Ross Dugas
Data-driven, transparent planning for curious investors who want to understand their plan, from a former chemical engineer.
Scientific Financial · Pearland, Texas
Ross Dugas is a fee-only financial advisor at Scientific Financial in Pearland, Texas, who holds the PhD and CFP credentials. Ross charges a subscription, a one-time planning fee and hourly fees (ongoing planning from $780 a year and one-time plans from $6,000) and focuses on retirement planning and tax planning.
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Specialties
Who they serve
- Early-career professionals
- Pre-retirees
- Tech employees
About
Ross Dugas founded Scientific Financial in April 2023 and works with curious investors who want to understand the reasoning behind their plan. He relies on data and transparency rather than hand-waving.
Ross trained as a chemical engineer, earning a B.S. from the University of Louisiana at Lafayette and an M.S. and Ph.D. from the University of Texas at Austin. He then spent 12 years at Dow Chemical as a process research engineer, earning numerous patents and helping bring several products and processes to market.
During Covid, Ross asked himself what he would do if he did not need a paycheck, and the answer was financial planning. In 2022 he left Dow, semi-retired and enrolled in the CFP® education program at Rice University. He questions the way things have always been done and believes financial planning should keep moving forward.
Facts
| Firm | Scientific Financial |
|---|---|
| Based in | Pearland, Texas |
| Fee model | Subscription · One-time planning fee · Hourly |
| Fees (firm's website) | Ongoing planning from $780 a year · One-time plans from $6,000 · $300 an hour |
| Fees (Advice-Only Network profile) | Subscription $65 a month · One-time plans $6,000 · $300 an hour |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Credentials | PhD · CFP |
| SEC registration | Investment adviser representative in LA, TX · CRD 7621949 |
| Exams passed | Series 65 (2022) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | scientific-financial.com |
How Ross's firm compares
- Ongoing planning starts at $780 a year, below the Texas median of $3,000 for fee-only firms that publish prices.
- A one-time plan starts at $6,000, above the Texas median of $1,575 for fee-only firms that publish prices.
- The hourly rate is $300, above the Texas median of $250 for fee-only firms that publish prices.
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Questions about Ross
Is Ross Dugas a fee-only financial advisor?
Yes. Ross Dugas is listed in the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ross's firm.
How does Ross charge for financial advice?
Ross charges a subscription, a one-time planning fee and hourly fees.
How much does Ross charge?
According to Scientific Financial's website, checked October 28, 2026: ongoing planning from $780 a year; one-time plans from $6,000; $300 an hour.
Does Ross work with clients virtually?
Yes. Scientific Financial says on its website that it works with clients remotely.
Where is Ross Dugas based?
Ross Dugas is based in Pearland, Texas.
What does Ross specialize in?
Ross's specialties include retirement planning and tax planning. Ross works with early-career professionals, pre-retirees and tech employees.
What credentials does Ross Dugas hold?
Ross Dugas holds the PhD and CFP credentials.
Is Ross Dugas registered with the SEC?
Yes. Ross Dugas is registered as an investment adviser representative in LA and TX (CRD 7621949), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Ross Dugas?
Through Ross's website, scientific-financial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Pearland
Other advisors in Texas who focus on retirement planning
Where this information comes from
- Advice-Only Network listing : advice-only practices, no product sales
- Scientific Financial 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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