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Financial Planning in Houston

Our Certified Financial Planners® will customize a financial plan to serve as your blueprint for success

Take control of your future with prudent financial planning today.

Investment Management

Entering retirement without a financial plan is like building a house without blueprints: the ultimate result may not be what you envisioned. By modeling your financial life, the expert financial planners at Financial Synergies can alter key aspects of the plan to see the impact before you actually make any changes.

The financial planning process begins by understanding who you are and what matters most in your life. We’ll have detailed discussions to uncover the answers to these important questions. We’ll then tailor our recommendations to your unique situation, ensuring a financial plan that’s right for you.

Whether you’re planning for retirement, college, first home, or anything in-between, we have you covered! Our Houston financial advisors are Certified Financial Planner™ professionals with the experience and knowledge to guide you through the most important financial decisions in your life.

Financial Planning

Do you even need a financial planner?

Some clients come to us questioning whether they need the services of a professional financial planner or not. Of course, we’re biased and would say everyone has a need for our financial planning services, but here are some important questions to ask yourself in your own discovery process:
  • Do you currently have a solid financial plan in place?
  • Does your financial plan address both your short-term and long-term goals and needs?
  • Does your financial plan include a holistic view of your finances – including assets, liabilities, employment, estate, taxes, insurance, etc.?
  • Is your financial plan constructed to be durable enough to overcome inevitable challenges and evolve with you as your life changes?
  • Does your financial plan enable you to leave the legacy you envision for your family and charitable causes?
  • Do you have a financial advisor and wealth management team collaborating with you to develop and monitor your financial plan, ensuring you stay on track?
Working with Financial Synergies Wealth Advisors will ensure that the answer to each of these questions is a firm “yes.” Contact us today and get started on your holistic, custom financial plan.

Financial planning is the foundation of all that we do

When it comes to customizing our clients’ financial plans, we take the time to do it right. For us to fully understand and meet the needs of our clients, we implement a proven and effective financial planning process.

Goal-Based Cash Flows

We start by focusing on what you want to accomplish.

After building the initial financial plan, we can show you whether you can afford all you want or not. If needed, we can modify your goals together to find a sustainable plan. The answer may be as simple as working a few more years, or perhaps saving just a little more.

Instantaneously seeing the impact of buying a vacation home or frequently replacing your cars helps you understand the consequences of your choices. You can adjust each goal independently and see in just a few seconds how each change affects your plan.

Simulated Investment Outcomes

With retirement, timing is critical.

A not-so-great retirement scenario is initially drawing from your retirement investments right before the stock market drops substantially. With those investments down in value, you must sell more shares to cover your expenses.

Our financial modeling not only simulates stock portfolio results with 0-100% equity holdings, but also runs 1,000 simulations with your specific goals. You can see the resulting average returns, the healthiest returns, and most importantly, anemic or disastrous stock market returns, and how each impacts your financial plan and the likelihood of success.

These simulations help us to mitigate risk and keep our financial projections conservative, ensuring your long-term success.

Inflation, Taxation & Lifespan Adjustments

Uncertainty is guaranteed, so we plan for it.

Many variables affect a financial plan’s long-term strength and durability:

  • Inflation erodes purchasing power.
  • Governments can increase tax rates.
  • Changing your state of residence may change your tax situation for better or worse.
  • Long life expectancies or a spouse’s premature death can each increase the risk to a financial plan.
  • Increasing costs of medical care.

 

Using advanced planning software allows us to simulate potential scenarios to test what events may require later changes or what risks may need mitigation by insurance.

We leave no stone unturned when developing your custom financial plan.

Financial Plan = Achievement of Goals

We’ll work together to develop a financial plan to meet your goals. Whether you want to retire early, buy a vacation home, put the kids through college, or travel the world – we’ll help you get there. Let’s get started!

Some of the common financial planning areas we tackle:

Financial planning backed by technology

We leverage technology to provide you with a dynamic planning experience. Our software, Wealth360°, allows you to aggregate and view all your financial accounts in a single online platform. We create financial plans in real-time and update them as your life evolves. Once the plan is in place we’ll create your customized investment strategy and allocation to ensure your goals are accomplished.

Your financial plan will provide you with a road map for the future, and we’ll be there to keep you on track every step of the way. Have a question for our trusted financial planning experts? Contact Financial Synergies Wealth Advisors in Houston today.

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