Financial advisors for high earners in Houston, Texas
Which financial advisor should I talk to as a high earner in Houston?
For high earners in Houston, talk to a fee-only planner who focuses on tax and cash flow as much as investing. High income with modest assets is a poor fit for minimums and percentage fees, so ask how you'd be charged. Records to start with include Matthew Smith of Concert Financial Planning, LLC, Justin Reede of Integrity Road Wealth Partners LLC and Amol Desai of Perceptive Wealth Advisors.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Matthew Smith Concert Financial Planning, LLC, Houston City Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee.
- Justin Reede Integrity Road Wealth Partners LLC, Houston City Holds the CFP. Fees on file: percentage of assets, ongoing planning fee.
- Amol Desai Perceptive Wealth Advisors, Houston City Holds the CFP. Fees on file: percentage of assets, ongoing planning fee.
- Joe Ward Refined Wealth, Houston City Holds the CFP. Fees on file: percentage of assets, one-time planning fee.
- Trevor Winter New Heights Planning, LLC, Houston City Holds the CFP. Fees on file: ongoing planning fee.
- Ashley Foster Nxt:Gen Financial Planning | Helping Veterinarians Build Wealth, Houston City Holds the CFP. Fees on file: percentage of assets, ongoing planning fee.
How many fee-only financial advisors in Houston work with high earners?
The Wellspent public graph lists 27 fee-only advisors for high earners in Houston, at 12 firms. We counted every advisor record that lists this work, as of October 2026.
How do fee-only advisors for high earners in Houston charge?
The most common fee among fee-only advisors for high earners in Houston is a percentage of assets, used by 85% of the 27 with fees on file. Many use more than one: 63% charge fixed fees and 44% charge by the hour.
How much do fee-only financial advisors charge in Houston?
Fee-only financial advisors in Houston charge a median of $5,000 a year for ongoing planning. We found this across the published prices of 9 Houston firms.
How much does a one-time financial plan cost in Houston?
A one-time financial plan from a fee-only firm in Houston has a median price of $3,500. We found this across the published prices of 7 Houston firms.
What credentials should a financial advisor for high earners have?
For high earners, look for the CFP. In Houston, 44% of the 27 advisors listed hold the CFP.
- CFP44% in Houston
- The CFP covers insurance and saving decisions together.
How do Houston advisors for high earners compare with the rest of the US?
63% of fee-only advisors for high earners in Houston charge fixed fees, compared with 42% of the 1,176 listed across the US. That's the largest difference in the Wellspent public graph between the two groups.
Dark bars are Houston. Light bars are all US advisors for high earners.
Does Texas have a state income tax?
No. Texas has no state income tax, so federal tax drives most financial planning for residents.
What should I ask a financial advisor as a high earner in Houston?
- Do you have a minimum, and do you take clients on income rather than assets?
- Which accounts should I use once I've maxed my 401(k)?
- How would you reduce my tax this year and next?
- How much should I be saving, in dollars?
- If I've worked in other states, what could I still owe there?
How current is this list of fee-only advisors for high earners in Houston?
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.
All 27 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Joe Ward | Refined Wealth | Houston | CFP, RICP, TPCP | Percentage of assets, One-time planning fee |
| Jonathan McAlister | Integrity Road Wealth Partners LLC | Houston | CFP, MBA, CKA | Percentage of assets, Ongoing planning fee |
| Justin Reede | Integrity Road Wealth Partners LLC | Houston | CFP, CKA | Percentage of assets, Ongoing planning fee |
| Julia Lilly Advice-only planning for families and individuals seeking unbiased guidance on investments, taxes, equity compensation, education savings and retirement. | Ryerson Financial | Houston | CFP, MBA | One-time planning fee, Hourly |
| Matthew Smith | Concert Financial Planning, LLC | Houston | CFA, CFP | Flat fee or retainer, Ongoing planning fee |
| Trevor Winter | New Heights Planning, LLC | Houston | CFP, CRPC | Ongoing planning fee |
| Amol Desai | Perceptive Wealth Advisors | Houston | CFA, CFP, MBA | Percentage of assets, Ongoing planning fee |
| Ashley Foster | Nxt:Gen Financial Planning | Helping Veterinarians Build Wealth | Houston | CFP | Percentage of assets, Ongoing planning fee |
| Preston Cherry | Concurrent Wealth Management | Houston | CFP | Flat fee or retainer, Ongoing planning fee |
| Emily Walls | Ascension Capital Advisors | Houston | CFP | Percentage of assets, Fixed fees |
| Jon Moores | Ascension Capital Advisors | Houston | CFP | Percentage of assets, Fixed fees |
| Casey Kha | FCA | Houston | CFP | Percentage of assets, Hourly |
| David Belding | Ascension Capital Advisors | Houston | Not listed | Percentage of assets, Fixed fees |
| Jordan Mathews | Ascension Capital Advisors | Houston | Not listed | Percentage of assets, Fixed fees |
| Paul Thompson | Ascension Capital Advisors | Houston | Not listed | Percentage of assets, Fixed fees |
| Scott Schwinger | Ascension Capital Advisors | Houston | Not listed | Percentage of assets, Fixed fees |
| Christina Doherty | FCA | Houston | Not listed | Percentage of assets, Hourly |
| Cindy Yac | FCA | Houston | Not listed | Percentage of assets, Hourly |
| Drew Kittey | Fruth Investment Management | Houston | Not listed | Percentage of assets, Fixed fees |
| Kymberly Watson | Fruth Investment Management | Houston | Not listed | Percentage of assets, Fixed fees |
| Richard Fruth | Fruth Investment Management | Houston | Not listed | Percentage of assets, Fixed fees |
| Robert Burns | FCA | Houston | Not listed | Percentage of assets, Hourly |
| Robert Scharar | FCA | Houston | Not listed | Percentage of assets, Hourly |
| Steven Crawford | FCA | Houston | Not listed | Percentage of assets, Hourly |
| Wesley Yuhnke | FCA | Houston | Not listed | Percentage of assets, Hourly |
| William Levay | FCA | Houston | Not listed | Percentage of assets, Hourly |
| John Capistran | Caplo Advisory | Houston | Not listed | Percentage of assets, Hourly |
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