Who we serve
Planning around the decisions you face
Whether you are approaching retirement, already retired or considering a change of adviser, start with the decisions that matter to you. Work directly with Todd Smurl, CFA, for independent, fee-only fiduciary investment management and personal financial planning.
Retirees and Pre-Retirees
Retirement brings your income, investment and tax decisions together. Work directly with Todd Smurl, CFA, to evaluate your spending and withdrawal choices and develop an investment approach that supports your priorities.
- No clear answer to "how much can we spend?"
- Large pre-tax balances that may affect future required withdrawals and taxes
- Concentrated employer stock or an old 401(k) lineup that was never rebalanced
Oil and Gas Professionals
Your career, company stock and retirement savings may carry overlapping risks. Work directly with Todd Smurl, CFA, to consider your investments, retirement income and tax trade-offs together as you approach or move through retirement.
- Career income and investments exposed to the same employer or industry
- Uncertainty about the tax and investment trade-offs of changing company-stock holdings
- Coordinating spending and withdrawals when a career transition changes the plan
Values-Based Investors
What matters to you belongs in the investment conversation. Work with Todd Smurl, CFA, to explore how your preferences can fit alongside retirement needs, investment costs, diversification and taxes.
- Specialty funds whose fees or screening rules may not fit your preferences
- Difficulty understanding whether your holdings reflect the preferences you intended
- Questions about how exclusions could change diversification and performance
Houston families and professionals
Your circumstances matter more than an industry label. Explore independent investment management and personal financial planning built around your household’s priorities. Business owners are welcome. We help connect your personal finances, retirement plans and investments with your business. We may involve outside specialists where helpful.
- Fee-only, fiduciary, and independent
- Meetings by video or phone
- Financial planning included as part of the investment management fee, subject to the exception below
For clients with assets under management under $500,000, the Advisor reserves the right to charge an hourly fee for financial planning.
Not sure where to start? Talk with Todd.
A free introductory meeting, no obligation.