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Financial Planning

Financial Planning for Every Stage of Life's Journey

Investment Advisory
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

Planning for Intergenerational Wealth with Intentionality
3 minutes read

Planning for Intergenerational Wealth with Intentionality

For many families with significant wealth, creating a lasting legacy that benefits future generations is a paramount goal. Intergenerational wealth planning goes beyond simply transferring assets—it requires a thoughtful approach to ensure that your values, priorities, and financial strategies align to serve your family well over time. At Granite Harbor Advisors, we believe intentionality is a cornerstone…
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Navigating the Secure 2.0 Act's Higher Catch-Up Limits
2 minutes read

Navigating the Secure 2.0 Act's Higher Catch-Up Limits

Authored by: Dale Shaw, CFP®, RICP® Beginning in 2025, the annual contribution limits to 401(k) plans, 403(b) plans, governmental 457 plans, and the federal government’s Thrift Savings Plan will increase to $23,500. The age 50+ catch up contribution will be $7,500. Also, the SECURE 2.0 Act introduces a higher catch up contribution for those between the ages of 60-63 bringing their catch up contribution…
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Integrating Insurance Into Retirement Planning
8 minutes read

Integrating Insurance Into Retirement Planning

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® What if the traditional approach to retirement planning—accumulate assets, shift to bonds, and draw income—misses a meaningful part of the opportunity set? For many high-income families and business owners, retirement is not simply about replacing income. It is about sustaining a lifestyle, preserving optionality, managing taxes, and ultimately transferring…
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Navigating the Rise of Historically Large IRA Balances
3 minutes read

Navigating the Rise of Historically Large IRA Balances

Authored by: Granite Harbor Advisors In recent years, the financial landscape has witnessed a significant uptick in the size of Individual Retirement Accounts (IRAs), with balances reaching unprecedented levels in 2024. This trend is not just a statistical anomaly but a reflection of several contributing factors that have converged to shape retirement planning in profound ways. Factors Driving Growth…
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How to Pass on a Family Business to the Next Generation
3 minutes read

How to Pass on a Family Business to the Next Generation

Contributed by: Tom Kelley, MBA For many families, a business is not just a source of income; it is a legacy. Successfully passing on a family business to the next generation involves more than a handshake or an informal agreement. It requires intentional planning, strategic preparation, and a focus on preserving family harmony while ensuring the business remains strong and sustainable. At Granite…
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Don’t Let Age Guide Your Retirement Planning
4 minutes read

Don’t Let Age Guide Your Retirement Planning

There are many rules of thumb in the world of personal financial planning, particularly when it comes to retirement planning. Some common “rules” are to be more conservative with your money as you get older, or that the percentage of bonds in your portfolio should be equal to your age. These rules may be appropriate for some, but not for all. Many affluent individuals often have more flexibility as…
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