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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

Educating the Next Generation on Financial Responsibility
5 minutes read

Educating the Next Generation on Financial Responsibility

Contributed by: Pijus Bulvinas, CFP® In today's rapidly changing economic landscape, financial education has become more critical than ever for the next generation. With challenges such as rising student loans, economic uncertainty, and an increasingly complex financial world, it is imperative for young people to develop a strong foundation of financial literacy early on. By equipping children and…
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Adapting to Interest Rate Changes
7 minutes read

Adapting to Interest Rate Changes

Authored by: Nicholas M. Brown, CFA, CFP® Investors are navigating a unique economic landscape today, characterized by declining interest rates alongside a yield curve that seems to be shifting from an inverted state to a more typical configuration. It's a much different environment than even just 12 months ago. Understanding the dynamics of this environment and its implications for different asset…
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Using Buy-Sell Agreements to Protect Your Business
4 minutes read

Using Buy-Sell Agreements to Protect Your Business

Contributed by: Tom Kelley, MBA In the dynamic world of business, continuity and stability are paramount. Business owners often face the challenge of safeguarding their enterprise against unforeseen events that can disrupt operations. One of the most effective tools in ensuring business continuity is the buy-sell agreement. This strategic legal document is essential for protecting your business from…
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Ensuring Your Legacy through Estate Planning: Preparing for the Inevitable
6 minutes read

Ensuring Your Legacy through Estate Planning: Preparing for the Inevitable

During a recent estate plan meeting, one of our most trusted partner estate attorneys shared a thought that deeply resonated with us and our clients. She emphasized, "Leaving your family without a plan in place is one of the most inconsiderate things you could do." We couldn't agree more. When a loved one passes away without a proper plan, it can cause significant stress, unintended burdens, and consequences…
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Tax Planning with Family Limited Partnerships (FLPs)
12 minutes read

Tax Planning with Family Limited Partnerships (FLPs)

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® For successful business owners and wealthy families, few tools offer the combination of control, tax efficiency, and estate planning flexibility that a Family Limited Partnership (FLP) can provide. But with that power comes complexity—and more than a few misconceptions. Used properly, FLPs enable families to retain control over significant assets, compress…
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Inflation: Responding Appropriately with Flexibility and Discipline
5 minutes read

Inflation: Responding Appropriately with Flexibility and Discipline

Inflation is a hot topic these days with many experts and financial institutions offering predictions about the short- and long-term outlook. The truth is, no one can tell the future, and trying to guess our way around what will or will not happen is poor financial planning. Instead, let us take an objective look at the risks associated with inflation, the right mentality for approaching the issue,…
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