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Financial Planning

Financial Planning for Every Stage of Life's Journey

832-461-0789

Your Financial Plan Journey

Organizing, Optimizing, and Maintaining Your Entire Financial Picture

Experience comprehensive financial planning services with us as your trusted advisors. We take pride in organizing, optimizing, and maintaining your entire financial picture. Spend more time doing what you enjoy while we develop a personalized financial plan to help you achieve your goals.

Help First Promise

Commitment to Excellence

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With our Help-First Promise, we offer a complimentary initial consultation to assist you in finding the right path, even if it doesn’t involve us. During this initial meeting, we prioritize understanding your current situation, desired destination, and planned approach. By taking the time to learn about your specific needs and goals, we ensure that any guidance we provide is tailored to your unique circumstances.

Before providing any financial recommendations for enhancement, we make sure to thoroughly comprehend your objectives and the steps you plan to take to achieve them. Our commitment is to deliver a completed plan that meets your full satisfaction. We don’t bill for our service until we have successfully delivered on this promise, ensuring that you receive value and clarity before any financial obligation is incurred.

Background

The Compass 360 Planning Process

Your Wealth. Your Way.

At Granite Harbor Advisors, we're dedicated to enhancing your lifestyle by providing more time for what matters, reducing stress, and securing your family's financial future for generations. As a leading full-service financial advisory firm headquartered in Houston, our Compass360 Planning Process simplifies the complexity of financial planning by organizing and optimizing your entire financial picture, so that you can spend more time doing what you enjoy.

Discover

Get to Know Each Other
  • About You
  • About Us
  • Explore Goals
  • Personalized Guidance
  • Path Forward

Design

Initiate Planning
  • Gather Data
  • Refine Priorities
  • Interactive Review
  • Tailor Solutions

Deliver

Finalize & Implement Plan

Fiduciary Financial Advice for:

  • Cash Flow & Savings
  • Tax Planning
  • Asset Allocation
  • Risk Management & Insurance
  • Estate Planning & Wealth Transfer
Year 1
Year 2+
Compass 360 Year 2+

Dedicate

Maintain Continuous Alignment Between Your Goals & Plan
  • Proactive Recommendations
  • Monthly Updates
  • Consistent Plan Reviews
  • Coordination of Professionals (CPA, Attorney, P&C)

Benefits of Financial Planning

Securing Your Future Through Strategic Financial Management

Asset Management

Selecting suitable investments based on risk tolerance, time horizon, and financial goals greatly influences an individual's long-term financial success.

Risk Management

Developing strategies to mitigate potential risks and protect assets is crucial for individuals and businesses, making risk management an essential aspect of financial planning.

Estate Planning & Tax Strategies

Maximize Your Legacy with Expert Guidance and Efficient Tax Solutions

Ongoing Support

Ensuring continuous financial guidance and assistance helps clients achieve and maintain their financial goals through ongoing support.

Financial Education

Providing clients with the knowledge and skills needed to make informed financial decisions and achieve long-term financial success is the goal of financial education.

Foundation for Long-Term Financial Security

Establishing a robust financial base ensures sustained stability and growth for the future, providing long-term financial security.

Our Commitment

Your Path to Financial Success: What to Expect Next

Reviewing and maintaining your financial plan is paramount to your success. Once we have completed the implementation phase, we will establish a mutually agreed-upon review schedule to monitor your progress. Regular reviews are essential to ensure that your financial planning remains aligned with your evolving needs and goals.

We provide monthly updates to ensure the accuracy of your financial plan and make proactive changes whenever needed. This ongoing attention helps to keep you on track toward your financial goals and allows us to make necessary adjustments promptly. By consistently reviewing your financial planning, we can address any changes in your circumstances and ensure that your plan continues to support your long-term objectives.

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Resources for Financial Planning

A Selection of Granite Harbor Resources Focusing on Financial Planning

The Pros and Cons of Roth Conversions
5 minutes read

The Pros and Cons of Roth Conversions

Contributed by: Dale Shaw, CFP, RICP As wealth advisors, one of the most common questions we address involves the value of Roth conversions as part of a comprehensive financial strategy. While Roth conversions can be a powerful tool for tax efficient retirement planning, they are not a one size fits all solution. It’s essential to weigh the advantages and disadvantages carefully, considering your unique…
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Navigating the Complexities of Medicare and the IRMAA Surcharge in 2024
4 minutes read

Navigating the Complexities of Medicare and the IRMAA Surcharge in 2024

Contributed by: Dale Shaw, CFP®, RICP® High-income earners face a pivotal aspect of their retirement planning—understanding and managing the Income-Related Monthly Adjustment Amount (IRMAA) surcharge associated with Medicare. This surcharge, which can significantly increase Medicare costs, is a crucial consideration for those in higher income brackets. This article aims to demystify the nuances of…
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Super Fund your Roth IRA for Tax-Free Earnings
3 minutes read

Super Fund your Roth IRA for Tax-Free Earnings

United States Army veteran William Victor Roth will forever be remembered for creating one of the most utilized tax-savings tools available. During his 30-year career as a US Senator, he pioneered a new retirement savings vehicle, the Roth Individual Retirement Account (Roth IRA), as part of the Tax-Payer Relief Act of 1997. With the previously established “traditional” IRA, the tax benefits are realized…
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Wealth Preservation in Times of Political Uncertainty
2 minutes read

Wealth Preservation in Times of Political Uncertainty

Contributed by: Austin Manning, CFP® In today's rapidly changing political climate, high net worth individuals and investors face unique challenges when it comes to preserving wealth. The strategies outlined below are potential financial planning and wealth management solutions to safeguard assets amidst uncertainty. Proper Diversification of Asset Classes Diversification is a fundamental strategy…
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The Emotional Side of Business Succession Planning
4 minutes read

The Emotional Side of Business Succession Planning

Contributed By: Tom Kelly, MBA For many business owners, their company is more than an asset—it is a legacy. It represents years, often decades, of hard work, sacrifices, and deep personal investment. As a result, succession planning is not just a financial or operational decision; it is an emotional one. While the technical aspects of business transition—valuation, tax strategies, legal structures—are…
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Mitigating Estate Tax: The Role of Spousal Lifetime Access Trusts (SLATs)
4 minutes read

Mitigating Estate Tax: The Role of Spousal Lifetime Access Trusts (SLATs)

Contributed by: Brian W. Sak, CFP®, CLU®, ChFC® In the complex world of estate planning, the Spousal Lifetime Access Trust (SLAT) can be an attractive strategy for married, high-net-worth couples looking to manage taxes, preserve wealth, and transfer assets across generations. Understanding a SLAT's benefits is crucial for those aiming to secure their family's financial future. This knowledge is vital…
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