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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

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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The Illusion of Urgency: How Sensational News May Skew Smart Investing
6 minutes read

The Illusion of Urgency: How Sensational News May Skew Smart Investing

The media cycle is relentless. From morning talk shows to 24-hour business news, there’s a constant drumbeat of market commentary that can rattle even the most seasoned investors. On one screen, there’s a warning about an impending recession. On another, a pundit claims this year’s “must-own” stock is already doubling in value. For investors trying to protect and grow their wealth, this information…
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Is my money safe? Understanding the impact of a bank collapse
7 minutes read

Is my money safe? Understanding the impact of a bank collapse

The recent collapses of Silicon Valley Bank (SVB) and Signature Bank (Signature) resulted in two of the three biggest bank collapses in U.S. history, behind the 2008 collapse of Washington Mutual. This has created uncertainty over the stability and liquidity of all banks, especially for those with over $250,000 FDIC limits in a single institution—including many small businesses needing liquidity for…
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Understanding Tax Thresholds
5 minutes read

Understanding Tax Thresholds

Authored by: Dale Shaw, CFP, RICP As your wealth grows, so does the complexity of your financial obligations. One of the most significant and often misunderstood aspects of financial planning is navigating tax thresholds. These thresholds, the income levels at which specific tax rates or rules apply, play a pivotal role in determining your overall tax liability. For high-net-worth individuals, business…
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The Emotional Side of Business Succession Planning
5 minutes read

The Emotional Side of Business Succession Planning

Contributed By: Tom Kelly, MBA For many business owners, their company is more than an asset—it is a legacy. It represents years, often decades, of hard work, sacrifices, and deep personal investment. As a result, succession planning is not just a financial or operational decision; it is an emotional one. While the technical aspects of business transition—valuation, tax strategies, legal structures—are…
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Navigating the Secure 2.0 Act's Higher Catch-Up Limits
4 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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