How High Earners Can Sneak Money Into a Roth IRA (Legally, Of Course) If you’ve ever felt left out of the Roth IRA party because you make “too much money,” I have good news. It’s called a Backdoor Roth IRA, and it’s one of the ways for high-income earners to
Health Savings Accounts (HSAs) are one of the best financial tools out there—offering tax advantages and long-term growth potential. But unfortunately, most people don’t use them to their full potential, and some make mistakes that
As a business owner, providing a 401(k) plan can be a game-changer for both your company and your employees. While the benefits—such as tax advantages and talent retention—are clear, many business owners have also learned valuable
As a business owner, the idea of maximizing tax deductions can be exciting and overwhelming. If you are like most, you may feel that there is money being left on the table but unsure of
As retirement nears, many individuals would like to save more into tax-deferred accounts to meet their financial goals. Fortunately, the Super Catch-Up 401(k) contribution—an enhanced retirement savings feature—offers a unique opportunity to boost your nest
As we enter 2025, it is prudent to update funding amounts for various account types to reflect new contribution limits. Below we will overview annual limits for notable financial planning items. Retirement Accounts Account Type Limit
During a market downturn it is our natural tendency to want to make changes to our investment strategy despite a plethora of research that points to the optimal course of action being no action at
In 2024, the Roth IRA contribution limit is $7,000. For those over the age of 50, there is an additional $1,000 catch-up contribution allowed bringing the total to $8,000. The incredible tax benefit of a
For most investors, the 529 account is the most used account type to save and invest for a child’s education. This type of account provides for tax-deferral on the growth of the investments and if
The better question is: Why shouldn’t you hire us?
If you are looking for a financial advisor to trade stocks and “beat the market”, we are not the team for you. Why? Because our philosophy is to focus on what we have the power to control. Predicting when the market will fluctuate or guessing the future of interest rates are not items anyone can control.
If you are looking for a team interested in helping you to lower your tax bill, investing smarter, and helping create a reliable income stream, we are the team for you.
We have a high standard of care for every relationship we maintain. Due to the demand for our services, we must limit new relationships for families not related to an existing client to those with $1 million or more in investable assets. That said, we are happy to have an introductory meeting with anyone that would like to connect and if we can’t help you we are happy to recommend someone that can.
Yes, many of our clients do not reside in Texas. We work with retirement savers all over the country and many with dual citizenship.
Our team is equipped to meet with our clients and prospective clients virtually through secure video conferencing to protect your privacy.
We are a fee-based financial planning office. Our fees depend on your needs and complexity and are a transparent line item on every statement. We include unique billing options like Roth Alternate Billing and Fee Tilting to make your fees as tax efficient as possible. When appropriate, we do use commission brokerage accounts.*
Raymond James has always been a different kind of financial services firm – one that embraces long-term planning, values methodical decision-making, and remains focused on what matters most: YOU.
We chose Raymond James as our custodian to manage your money. As an independent advisor of Raymond James, we enjoy something virtually no other firm can offer. Raymond James offers top-of-the-line products and services, including asset management, wealth planning, banking, and lending, and trust services.
Raymond James is a publicly traded, global company with distinct business units that serve a variety of clients. Headquartered in St. Petersburg, Florida, they have grown into one of the largest independent financial services firms in the United States. And, more than 59 years after their founding, they remain true to their core tenets of conservatism, independence, integrity, and client-first service – laying the groundwork for financial strength and stability.
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