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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

10 Interview Questions to Ask Your Financial Advisor
6 minutes read

10 Interview Questions to Ask Your Financial Advisor

Ask the Right Questions Not all financial advisors are the same. Asking the right questions can help you find the right advisor for your specific goals. However, you may not be aware of what questions to ask or even what a good answer would be. You may find this concise summary of questions helpful in your search. 1. Are you…
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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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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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Are Your Trusts Working as Intended?
6 minutes read

Are Your Trusts Working as Intended?

Contributed by: Brian Sak, CFP®, CLU®, ChFC® For wealthy families, business owners, and executives—particularly those with complex estate plans—trusts are often a key component of multigenerational wealth transfer, asset protection, and tax minimization strategies. Yet too often, trusts are created, then left dormant or mismanaged. As a result, what was once a well-designed structure can quietly unravel. At…
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Are Your Investments in the Right Place?
5 minutes read

Are Your Investments in the Right Place?

Contributed by: Nicholas Brown, CFA, CFP In wealth management conversations, the focus often lands on asset allocation, market performance, or investment selection. Yet one of the most influential drivers of long-term after-tax wealth has nothing to do with the market at all—it’s how your investment accounts are structured. Most high-income earners and affluent families hold a combination of retirement…
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Super Fund your Roth IRA for Tax-Free Earnings
2 minutes read

Super Fund your Roth IRA for Tax-Free Earnings

United States Army veteran William Victor Roth will forever be remembered for creating one of the most utilized tax-savings tools available. During his 30-year career as a US Senator, he pioneered a new retirement savings vehicle, the Roth Individual Retirement Account (Roth IRA), as part of the Tax-Payer Relief Act of 1997. With the previously established “traditional” IRA, the tax benefits are realized…
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