# Financial advisors for early-career professionals in Texas > For early-career professionals in Texas, talk to a fee-only planner who charges flat or hourly fees and has no asset minimum. You need decisions more than portfolio management, so a one-time plan or a low subscription is often enough. Records to start with include Kellie Gamino of Financial Synergies Wealth Advisors, George Williams of Precedent Wealth Partners and Nathan Mateer of Generations Financial Management. Page: https://find.wellspent.co/audiences/early-career-professionals/texas/ 80 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to early in your career in Texas? For early-career professionals in Texas, talk to a fee-only planner who charges flat or hourly fees and has no asset minimum. You need decisions more than portfolio management, so a one-time plan or a low subscription is often enough. Records to start with include Kellie Gamino of Financial Synergies Wealth Advisors, George Williams of Precedent Wealth Partners and Nathan Mateer of Generations Financial Management. - [Kellie Gamino](https://find.wellspent.co/advisors/kellie-gamino/), Financial Synergies Wealth Advisors, Houston. Holds the CFP. Fees on file: percentage of assets. - [George Williams](https://find.wellspent.co/advisors/george-williams/), Precedent Wealth Partners, Houston. Holds the CFP. Fees on file: percentage of assets. - [Nathan Mateer](https://find.wellspent.co/advisors/nathan-mateer/), Generations Financial Management, Heath. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [Sophia Daigle](https://find.wellspent.co/advisors/sophia-daigle/), Gen Y Planning, Austin. Holds the CFP. Fees on file: percentage of assets. - [Eric Simonson](https://find.wellspent.co/advisors/eric-simonson/), Abundo Wealth, Houston. Holds the CFP. Fees on file: subscription. - [Kelly Klingaman](https://find.wellspent.co/advisors/kelly-klingaman/), Kelly Klingaman Financial Planning, Austin. Holds the CFP. Fees on file: ongoing planning fee, flat fee or retainer. ## How many fee-only financial advisors in Texas work with early-career professionals? The Wellspent public graph lists 80 fee-only advisors for early-career professionals in Texas, at 37 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for early-career professionals in Texas located? Of the 80 fee-only advisors for early-career professionals in Texas, 37 are in Houston, followed by 7 in Victoria and 6 in Austin. ## How do fee-only advisors for early-career professionals in Texas charge? The most common fee among fee-only advisors for early-career professionals in Texas is a percentage of assets, used by 90% of the 80 with fees on file. Many use more than one: 19% charge a one-time planning fee and 16% charge by the hour. ## How much do fee-only financial advisors charge in Texas? Fee-only financial advisors in Texas charge a median of $3,000 a year for ongoing planning. We found this across the published prices of 66 Texas firms. ## How much does a one-time financial plan cost in Texas? A one-time financial plan from a fee-only firm in Texas has a median price of $1,575. We found this across the published prices of 54 Texas firms. ## What credentials should a financial advisor for early-career professionals have? For early-career professionals, look for the CFP. In Texas, 57% of the 80 advisors listed hold the CFP. - CFP (57% of advisors listed): The CFP covers debt, saving, and insurance together. ## How do Texas advisors for early-career professionals compare with the rest of the US? 16% of fee-only advisors for early-career professionals in Texas charge by the hour, compared with 38% of the 759 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## What should I ask a financial advisor early in your career in Texas? - Do you have an asset minimum? - What would a one-time plan cost, and what would I get? - Should I pay down debt or invest first? - How much house can I actually afford? ## How current is this list of fee-only advisors for early-career professionals in Texas? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Cary Cates](https://find.wellspent.co/advisors/cary-cates.md) | Cates Financial Planning, LLC | Denton, Texas | CFP, EA, MBA | Percentage of assets, Hourly, Ongoing planning fee | | [Helen Stephens](https://find.wellspent.co/advisors/helen-stephens.md) | Aspen Wealth Management | Fort Worth, Texas | CEPA, CFP, EA, ChSNC | Percentage of assets, Hourly, One-time planning fee | | [Kevin Rademacher](https://find.wellspent.co/advisors/kevin-rademacher.md) | Lifetime Financial Planners LLC | San Antonio, Texas | CFP, CRPC, MSFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Lance Elrod](https://find.wellspent.co/advisors/lance-elrod.md) | Next Step Financial Transitions | Cypress, Texas | CFP, CDFA | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Cole Williams](https://find.wellspent.co/advisors/cole-williams.md) | Vessel Financial Planning | Plano, Texas | BFA, CFP, CIMA | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Joel Chouinard](https://find.wellspent.co/advisors/joel-chouinard.md) | SharpEdge Financial LLC | Southlake, Texas | CFP, ChFC | Flat fee or retainer, One-time planning fee, Ongoing planning fee, Percentage of assets | | [Leah Coleman](https://find.wellspent.co/advisors/leah-coleman.md) | Orchard Financial Group | Austin, Texas | CFP, AAMS | Percentage of assets, One-time planning fee, Flat fee or retainer | | [Zach Reyes](https://find.wellspent.co/advisors/zach-reyes.md) | Circadia Financial Planning | Westlake, Texas | CFP | Percentage of assets, Ongoing planning fee | | [John Kvale](https://find.wellspent.co/advisors/john-kvale.md) | J.K. Financial, Inc. | Dallas, Texas | CFA, CFP | Percentage of assets, Hourly | | [Kelly Klingaman](https://find.wellspent.co/advisors/kelly-klingaman.md) | Kelly Klingaman Financial Planning | Austin, Texas | CFP, RLP | Ongoing planning fee, Flat fee or retainer | | [Matthew Smith](https://find.wellspent.co/advisors/matthew-smith.md) | Concert Financial Planning, LLC | Houston, Texas | CFA, CFP | Flat fee or retainer, Ongoing planning fee, Hourly | | [Pijus Bulvinas](https://find.wellspent.co/advisors/pijus-bulvinas.md) | Wealth and Plan | Cypress, Texas | CFP | Ongoing planning fee, Percentage of assets | | [Ross Dugas](https://find.wellspent.co/advisors/ross-dugas.md) | Scientific Financial | Pearland, Texas | PhD, CFP | Subscription, One-time planning fee, Hourly | | [Eric Simonson](https://find.wellspent.co/advisors/eric-simonson.md) | Abundo Wealth | Houston, Texas | CFP, CRPC | Subscription | | [Skyler Denny](https://find.wellspent.co/advisors/skyler-denny.md) | Legacy Financial Designs, LLC | The Woodlands, Texas | CFP | Percentage of assets, Fixed fees | | [Crystal Rau](https://find.wellspent.co/advisors/crystal-rau.md) | Beyond Balanced Financial | Midland, Texas | CFP, MBA | Ongoing planning fee | | [Morgann Zimmer](https://find.wellspent.co/advisors/morgann-zimmer.md) | Goodman Financial Corporation | Houston, Texas | CFP, CPA | Percentage of assets, Hourly | | [Andrew Casey](https://find.wellspent.co/advisors/andrew-casey.md) | Precedent Wealth Partners | Houston, Texas | CFP | Percentage of assets | | [Beth Koonce](https://find.wellspent.co/advisors/beth-koonce.md) | Keller Wealth Advisors | Victoria, Texas | CFP | Percentage of assets | | [Christopher Laughhunn](https://find.wellspent.co/advisors/christopher-laughhunn.md) | Keller Wealth Advisors | Victoria, Texas | CFP | Percentage of assets | | [David Faskas](https://find.wellspent.co/advisors/david-faskas.md) | Keller Wealth Advisors | Victoria, Texas | CFP, CFA | Percentage of assets | | [George Williams](https://find.wellspent.co/advisors/george-williams.md) | Precedent Wealth Partners | Houston, Texas | CFP | Percentage of assets | | [Grant Williams](https://find.wellspent.co/advisors/grant-williams.md) | Precedent Wealth Partners | Houston, Texas | CFP | Percentage of assets | | [Hannah Gohmert](https://find.wellspent.co/advisors/hannah-gohmert.md) | Keller Wealth Advisors | Victoria, Texas | CFP | Percentage of assets | | [Joseph Williams](https://find.wellspent.co/advisors/joseph-williams-860333.md) | Precedent Wealth Partners | Houston, Texas | CFP, PFS | Percentage of assets | | [Kyle Noack](https://find.wellspent.co/advisors/kyle-noack.md) | Keller Wealth Advisors | Victoria, Texas | CFP | Percentage of assets | | [Lantz Bowman](https://find.wellspent.co/advisors/lantz-bowman.md) | Precedent Wealth Partners | Houston, Texas | CFP | Percentage of assets | | [Nathan Mateer](https://find.wellspent.co/advisors/nathan-mateer.md) | Generations Financial Management | Heath, Texas | CFP | Percentage of assets, One-time planning fee, Flat fee or retainer | | [Thomas Keller](https://find.wellspent.co/advisors/thomas-keller.md) | Keller Wealth Advisors | Victoria, Texas | CFP, PFS | Percentage of assets | | [Carman Kubanda](https://find.wellspent.co/advisors/carman-kubanda.md) | Innovative Wealth Building | Fort Worth, Texas | CFP | Percentage of assets, Subscription, One-time planning fee | | [Vj Arjan](https://find.wellspent.co/advisors/vj-arjan.md) | ConCap® | Mckinney, Texas | CFP, ChFC | Percentage of assets, One-time planning fee | | [Bryan Zschiesche](https://find.wellspent.co/advisors/bryan-zschiesche.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Colton Owen](https://find.wellspent.co/advisors/colton-owen.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Heath Hightower](https://find.wellspent.co/advisors/heath-hightower.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Justin Farris](https://find.wellspent.co/advisors/justin-farris.md) | Farris Capital Management | Carrollton, Texas | CFP | Percentage of assets | | [Kellie Gamino](https://find.wellspent.co/advisors/kellie-gamino.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Kevin Nelson](https://find.wellspent.co/advisors/kevin-nelson.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Melody Laser](https://find.wellspent.co/advisors/melody-laser.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Michael Booker](https://find.wellspent.co/advisors/michael-booker.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP, ChFC | Percentage of assets | | [Michael Minter](https://find.wellspent.co/advisors/michael-minter.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Rachel Buckhoff](https://find.wellspent.co/advisors/rachel-buckhoff.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Set Carpintero](https://find.wellspent.co/advisors/set-carpintero.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [William Goodson](https://find.wellspent.co/advisors/william-goodson.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Conner Young](https://find.wellspent.co/advisors/conner-young.md) | Baskets Capital | Austin, Texas | | Percentage of assets | | [Jonathan Lopez](https://find.wellspent.co/advisors/jonathan-lopez.md) | Truvize Financial Planning | El Paso , Texas | | Percentage of assets, Subscription, One-time planning fee | | [Josh Womack](https://find.wellspent.co/advisors/josh-womack.md) | Womack Financial | Dallas, Texas | | Percentage of assets | | [Adrienne Fox](https://find.wellspent.co/advisors/adrienne-fox.md) | Precedent Wealth Partners | Houston, Texas | | Percentage of assets | | [Arv Vilutis](https://find.wellspent.co/advisors/arv-vilutis.md) | Financial Synergies Wealth Advisors | Houston, Texas | ChFC | Percentage of assets | | [Dallas Trahern](https://find.wellspent.co/advisors/dallas-trahern.md) | Precedent Wealth Partners | Houston, Texas | | Percentage of assets | | [Evan Darr](https://find.wellspent.co/advisors/evan-darr.md) | Precedent Wealth Partners | Houston, Texas | | Percentage of assets | Showing the first 50 of 80. The full list, page by page: https://find.wellspent.co/audiences/early-career-professionals/texas/?page=2 ## Related - [Retirement planning in Texas](https://find.wellspent.co/specialties/retirement-planning/texas.md) - [Estate planning in Texas](https://find.wellspent.co/specialties/estate-planning/texas.md) - [Tax planning in Texas](https://find.wellspent.co/specialties/tax-planning/texas.md) - [Founders in Texas](https://find.wellspent.co/specialties/founders-pre-exit/texas.md) - [Family wealth transfer in Texas](https://find.wellspent.co/specialties/family-wealth-transfer/texas.md) - [Small business owners in Texas](https://find.wellspent.co/specialties/small-business-owners/texas.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).