Who we serve

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.

Last reviewed

Who this is for

  • Engineers, geoscientists, and managers at Houston operators and service companies
  • Employees and retirees reviewing employer stock alongside their other investments
  • Households considering a career transition or the move from paychecks to retirement withdrawals

Problems it solves

  • 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

What makes it different

Todd considers your existing holdings, employer exposure and retirement needs together. A Personal Index Portfolio can adjust direct-stock exposures where appropriate; exclusions do not eliminate investment or career risk. Changes to appreciated holdings involve tax and diversification trade-offs.

What we help with

  • Company-stock decisions. Review existing holdings, concentration and the potential trade-offs of making changes. The appropriate review depends on the account and compensation arrangement.
  • Portfolio fit. Consider how the rest of your investments relate to employer exposure, spending needs and risk.
  • Career transitions. Compare retirement spending and withdrawal scenarios using your circumstances and stated assumptions, including the years before Medicare.
  • Benefits questions. Start with the plan documents and deadlines relevant to your situation. Together, we’ll identify the questions to address, agree on the scope of our review and determine where specialized professional input may be needed.

Start with the decisions in front of you

Explore retirement planning, see how Personal Index Portfolios work, or review our published fees. Schedule a free introductory meeting with Todd to discuss your circumstances and whether working together makes sense.

Questions about oil and gas professionals

How much company stock is too much?

There is no single right percentage for every household. We consider your employer exposure across investments, compensation and benefits, along with your spending needs and the tax consequences of making changes.

Should I take the pension lump sum or the annuity?

The choice depends on your plan's terms, household circumstances and retirement income needs. Bring the available information and election deadline to the conversation so we can determine what review is appropriate and whether specialized assistance is needed.

Can you exclude energy stocks from my portfolio?

We can discuss underweighting or excluding energy companies in the direct-stock portion of a Personal Index Portfolio. ETFs used for other exposures may still hold energy companies. Exclusions can change diversification and returns; they do not eliminate the risks associated with your career or other holdings.

Talk with a CFA about your situation

A free introductory meeting, no obligation.

Book with ToddSee our fees