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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

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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USA TODAY 2026: Granite Harbor Advisors
3 minutes read

USA TODAY 2026: Granite Harbor Advisors

Granite Harbor Advisors FOR IMMEDIATE RELEASE April 17, 2026 Granite Harbor Advisors Recognized on USA TODAY’s Best Financial Advisory Firms 2026 List Houston, Texas — April 17, 2026 — Granite Harbor Advisors has been recognized on USA TODAY’s Best Financial Advisory Firms 2026 list, a national ranking presented by USA TODAY and Statista Inc., a global leader in data and industry rankings. The recognition…
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Generation Skipping Tax (GST) Simplified: Pitfalls and Planning Opportunities
8 minutes read

Generation Skipping Tax (GST) Simplified: Pitfalls and Planning Opportunities

Contributed by: Brian Sak CFP®, CLU®, ChFC® Navigating the seemingly endless tax regulations can feel daunting, especially for high-net-worth families and business owners striving to preserve and protect generational wealth. According to the book "Preparing Heirs: Five Steps to a Successful Transition of Family Wealth and Values", 90% of family wealth is dissipated by the third generation. Ineffective…
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Understanding Restricted Stock Units: Strategic Considerations for High-Income Professionals
5 minutes read

Understanding Restricted Stock Units: Strategic Considerations for High-Income Professionals

Contributed by: Granite Harbor Advisors For many corporate executives and key employees at oil & gas companies such as BP, Chevron, or Shell, compensation extends beyond salary and annual bonuses. Increasingly, companies are using Restricted Stock Units (RSUs) as part of long-term incentive plans. While RSUs can represent a substantial portion of total compensation, they also carry complexities—particularly…
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How to Align Philanthropy with Personal Values
3 minutes read

How to Align Philanthropy with Personal Values

Contributed by: Timothy Smith, CFP® In the current landscape, philanthropy offers a significant opportunity for individuals to make a meaningful impact within their communities and beyond. To maximize the benefits of charitable giving, it is essential that these endeavors align with one's personal values and long-term goals. With over 25 years of experience in financial planning and philanthropy, I…
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Designing Portfolios with Long Term Purchasing Power in Mind
5 minutes read

Designing Portfolios with Long Term Purchasing Power in Mind

Authored by: Tom Kelley, MBA For many investors, portfolio success is often measured by account growth or annual returns. Perhaps a more meaningful goal is whether a portfolio can maintain the purchasing power necessary to support long term goals, lifestyle needs, and family legacy. Inflation may appear manageable in any single year, but over decades its cumulative effect can materially reduce the…
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