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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

The Pros and Cons of Roth Conversions
4 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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Market Volatility and Estate Planning
5 minutes read

Market Volatility and Estate Planning

Contributed by: Brian Sak, CFP®, CLU®, ChFC® Market volatility is often discussed as an investment concern. From an estate planning perspective, it is more accurately a valuation event. When asset prices fluctuate, the cost of transferring wealth changes, sometimes dramatically. For families with taxable estates, these periods can create opportunities to improve long term outcomes if they are deliberately…
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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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Supreme Court's Decision in Connelly v. United States: Implications for Business Owners with Buy/Sell Agreements
4 minutes read

Supreme Court's Decision in Connelly v. United States: Implications for Business Owners with Buy/Sell Agreements

On June 13, 2024, the Supreme Court delivered its decision in Connelly v. United States, a landmark case that has significant implications for business owners with entity redemption buy/sell agreements. This ruling has reshaped the landscape of estate tax calculations and necessitates careful consideration of alternative structures for buy/sell agreements and life insurance policy ownership. Below…
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How to Create Liquidity by Selling a Business to an ESOP
5 minutes read

How to Create Liquidity by Selling a Business to an ESOP

Selling a closely held business can be an incredibly complex process that requires a lot of thoughtful planning. For business owners, two challenges often come to the forefront: finding a buyer and creating a liquidity event for the business owner. Selling a business to an employee stock ownership plan (ESOP) can address both of these issues while also creating an incentive for employees. Here’s a…
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The Great Wealth Transfer is Underway: Navigating New Frontiers in Retirement
8 minutes read

The Great Wealth Transfer is Underway: Navigating New Frontiers in Retirement

The impending transfer of wealth from Baby Boomers to Millennials and Gen Z is not just an unprecedented shift in economic power, estimated at $84.4 trillion by the year 2045, but also a crucial lifeline for the latter generations who are navigating through a vastly different and more challenging economic landscape than their predecessors. Unlike the Boomers, Millennials and Gen Z have been grappling…
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