Joe Ward
Refined Wealth · Houston, Texas
Joe Ward is a fee-only financial advisor at Refined Wealth in Houston, Texas, who holds the CFP, RICP and TPCP credentials. Joe charges a percentage of assets, a one-time planning fee, a flat fee or retainer, hourly fees and an ongoing planning fee (ongoing planning from $5,000 a year and one-time plans from $750) and focuses on retirement planning, tax planning and pension planning.
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Specialties
Who they serve
- Retirees
- Pre-retirees
- High earners
- Executives
Facts
| Firm | Refined Wealth |
|---|---|
| Based in | Houston, Texas |
| Fee model | Percentage of assets · One-time planning fee · Flat fee or retainer · Hourly · Ongoing planning fee |
| Fees (firm's website) | Ongoing planning from $5,000 a year · One-time plans from $750 · 1% a year on the first tier of assets managed · No asset minimum |
| Accepting new clients | Yes |
| Assets under management | $901K across 11 accounts |
| Credentials | CFP · RICP · TPCP |
| SEC registration | Investment adviser representative in LA, TX · CRD 7670265 |
| Exams passed | Series 65 (2022) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | refined-wealth.com |
| Profile |
How Joe's firm compares
- Ongoing planning starts at $5,000 a year, above the Texas median of $3,000 for fee-only firms that publish prices.
- A one-time plan starts at $750, below the Texas median of $1,575 for fee-only firms that publish prices.
- Refined Wealth's average account is about $82,000, from its Form ADV (assets managed divided by 11 accounts).
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Questions about Joe
Is Joe Ward a fee-only financial advisor?
Yes. Joe Ward is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Joe's firm.
How does Joe charge for financial advice?
Joe charges a percentage of assets, a one-time planning fee, a flat fee or retainer, hourly fees and an ongoing planning fee.
How much does Joe charge?
According to Refined Wealth's website, checked October 28, 2026: ongoing planning from $5,000 a year; one-time plans from $750; 1% a year on the first tier of assets managed; no asset minimum.
Where is Joe Ward based?
Joe Ward is based in Houston, Texas.
What does Joe specialize in?
Joe's specialties include retirement planning, tax planning, pension planning, equity compensation and flat-fee planning. Joe works with retirees, pre-retirees, high earners and executives.
What credentials does Joe Ward hold?
Joe Ward holds the CFP, RICP and TPCP credentials.
Is Joe Ward registered with the SEC?
Yes. Joe Ward is registered as an investment adviser representative in LA and TX (CRD 7670265), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Refined Wealth manage?
Refined Wealth reports $901K across 11 accounts in assets under management.
How do I contact Joe Ward?
Through Joe's website, refined-wealth.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Houston
Other advisors in Texas who focus on retirement planning
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Refined Wealth website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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