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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

Keys to Effectively Setting and Reaching Goals
4 minutes read

Keys to Effectively Setting and Reaching Goals

Have you heard the saying, “you can do anything if you set your mind to it”? Well, there is a lot of truth to that statement. The real question is, how do we “set our mind to it” effectively? The answer is in effective goal setting. This short article will outline an efficient process for setting and reaching virtually any goal. The key is to be S.M.A.R.T. about it. Which is to say that goals should…
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Why Early Year-End Planning Matters for High-Net-Worth Families
6 minutes read

Why Early Year-End Planning Matters for High-Net-Worth Families

Contributed by: Austin Manning, CFP® Why Early Year-End Planning Matters for High-Net-Worth Families The most effective year-end planning does not begin in December. It starts weeks earlier, when families still have the space to evaluate their financial picture in a thoughtful and coordinated way. Affluent families, business owners, and corporate executives understand that their financial lives are…
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Secure Your Business Legacy: The Power of Buy-Sell Agreement Planning for Business Owners
6 minutes read

Secure Your Business Legacy: The Power of Buy-Sell Agreement Planning for Business Owners

The Power of Buy-Sell Agreement Planning for Business Owners As a business owner, ensuring the long-term success and continuity of your enterprise is usually at the very top of the list of priorities. One of the essentials that can help you achieve this goal is effective buy-sell planning. This article delves into the significance of buy-sell planning for business owners and highlights the key strategies…
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New IRS Rules on Donor-Advised Funds
6 minutes read

New IRS Rules on Donor-Advised Funds

Contributed By: Tim Smith, CFP New IRS rules on donor-advised funds could reshape charitable giving strategies for high net worth families. Philanthropy has long been a cornerstone of wealth stewardship among high net worth families. Whether motivated by a commitment to legacy, community impact, or tax efficiency, charitable giving plays a critical role in many estate and financial planning strategies.…
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Navigating the Complexities of Medicare and the IRMAA Surcharge in 2024
5 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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2025 Estate and Gift Tax Updates You Need to Know
3 minutes read

2025 Estate and Gift Tax Updates You Need to Know

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® In a significant update for estate planning and wealth management, the Internal Revenue Service (IRS) has announced an increase in the estate and gift tax exemption for 2025. The exemption amount will rise to $13.99 million per person, up from $13.61 million in 2024. Additionally, the annual exclusion gift tax limit will rise to $19,000 per individual up…
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