Financial advisors for people close to retirement in Houston, Texas
Which financial advisor should I talk to if you're close to retirement in Houston?
For people close to retirement in Houston, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Joe Ward of Refined Wealth, Kaki Perdue of Look Both Ways Financial and Christopher Dyson of MBR Financial.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Joe Ward Refined Wealth, Houston City Holds the CFP and RICP. Fees on file: percentage of assets, one-time planning fee.
- Kaki Perdue Look Both Ways Financial, Houston City Holds the CFP. Fees on file: one-time planning fee, hourly.
- Christopher Dyson MBR Financial, Houston City Holds the CFP. Fees on file: percentage of assets, flat fee or retainer.
- Joseph Williams Precedent Wealth Partners, Houston City Holds the CFP. Fees on file: percentage of assets.
- Julia Lilly Ryerson Financial, Houston City Holds the CFP. Fees on file: one-time planning fee, hourly.
- Thomas Kluttz Analog Capital Partners, Houston City Holds the CFP. Fees on file: percentage of assets.
How many fee-only financial advisors in Houston work with people close to retirement?
The Wellspent public graph lists 67 fee-only advisors for people close to retirement in Houston, at 16 firms. We counted every advisor record that lists this work, as of November 2026.
How do fee-only advisors for people close to retirement in Houston charge?
The most common fee among fee-only advisors for people close to retirement in Houston is a percentage of assets, used by 93% of the 67 with fees on file. Many use more than one: 40% charge by the hour and 21% charge fixed fees.
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 people close to retirement have?
For people close to retirement, look for the CFP and RICP. In Houston, 37% of the 67 advisors listed hold the CFP.
- CFP37% in Houston
- The CFP covers the whole transition.
- RICP1% in Houston
- The RICP focuses on turning savings into income.
How do Houston advisors for people close to retirement compare with the rest of the US?
21% of fee-only advisors for people close to retirement in Houston charge fixed fees, compared with 40% of the 2,969 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 people close to retirement.
Does Texas tax retirement income?
No. Texas has no state income tax, so retirement account withdrawals and pensions aren't taxed at the state level.
What should I ask a financial advisor if you're close to retirement in Houston?
- Can I retire when I want to, and what would change your answer?
- How should my investments change in the years before I stop working?
- How do I cover health insurance before Medicare?
- What should I do with my 401(k) when I leave?
- Would you plan differently if I might move to another state in retirement?
How current is this list of fee-only advisors for people close to retirement 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 67 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Joe Ward | Refined Wealth | Houston | CFP, RICP, TPCP | Percentage of assets, One-time 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 |
| Maggie Klokkenga Former CPA who starts with cash flow to help clients align their money with what they truly value. | Abundo Wealth | Houston | CFP, AFC, CPA | Subscription |
| Eric Simonson Founder of an advice-only firm offering low-cost, conflict-free comprehensive planning to people that investment minimums leave out. | Abundo Wealth | Houston | CFP, CRPC | Subscription |
| Kaki Perdue Retirement and tax planning for people nearing retirement who want to feel safe, strong and secure managing their own money. | Look Both Ways Financial | Houston | CPA, CFP | One-time planning fee, Hourly |
| Andrew Casey | Precedent Wealth Partners | Houston | CFP | Percentage of assets |
| George Williams | Precedent Wealth Partners | Houston | CFP | Percentage of assets |
| Grant Williams | Precedent Wealth Partners | Houston | CFP | Percentage of assets |
| Joseph Williams | Precedent Wealth Partners | Houston | CFP, PFS | Percentage of assets |
| Lantz Bowman | Precedent Wealth Partners | Houston | CFP | Percentage of assets |
| Thomas Kluttz | Analog Capital Partners | Houston | CFP, ChFC | Percentage of assets |
| Billy Desai | Analog Capital Partners | Houston | CFA | Percentage of assets |
| Brett Carleton | Heritage Wealth Management | Houston | CFP, ChFC | Percentage of assets, Hourly |
| Hany Ahmad | Teamwork Financial Group | Houston | CFP | Percentage of assets |
| Ian Harris | Heritage Wealth Management | Houston | CFP | Percentage of assets, Hourly |
| Jeffrey Wright | Teamwork Financial Group | Houston | CFP, ChFC | Percentage of assets |
| Nathan Burleson | Heritage Wealth Management | Houston | CFP | Percentage of assets, Hourly |
| Robert Dwyer | Heritage Wealth Management | Houston | CFP | Percentage of assets, Hourly |
| Christopher Dyson | MBR Financial | Houston | CFP | Percentage of assets, Flat fee or retainer |
| Mary Margolis | MBR Financial | Houston | CFP | Percentage of assets, Flat fee or retainer |
| Adrienne Fox | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Casey Kha | FCA | Houston | CFP | Percentage of assets, Hourly |
| Dallas Trahern | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Daniel Adams | Analog Capital Partners | Houston | Not listed | Percentage of assets |
| Evan Darr | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Jeff Pomerantz | Analog Capital Partners | Houston | Not listed | Percentage of assets |
| Jonathan Crantz | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Jonathan White | Analog Capital Partners | Houston | Not listed | Percentage of assets |
| Justin Ramirez Business appraisals to help owners plan their next move | Insight Valuations, LLC | Houston | CFA | Flat fee or retainer, Hourly |
| Kyle Smith | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Michael Smurl | Integrity Financial Planning | Houston | CFA | Percentage of assets |
| Neal Stephenson | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Sarah Williams | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Sloane Bennett | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Tatum Duffie | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| Thomas Mott | Analog Capital Partners | Houston | Not listed | Percentage of assets |
| Wanda Williams | Precedent Wealth Partners | Houston | Not listed | Percentage of assets |
| James Darby | Adell, Harriman, & Carpenter | Houston | CFP | Percentage of assets |
| Jeremy Joiner | Strategic Advisory Services | Houston | CFP | Percentage of assets |
| Richard Grbac | Strategic Advisory Services | Houston | CFP | Percentage of assets |
| Stephen Adell | Adell, Harriman, & Carpenter | Houston | CFP | Percentage of assets |
| Suresh Raghavan | MBR Financial | Houston | CFA | Percentage of assets, Flat fee or retainer |
| Edmund Lesage | Integrity Financial Planning | Houston | Not listed | Percentage of assets |
| Madison Carleton | Heritage Wealth Management | Houston | Not listed | Percentage of assets, Hourly |
| Robert Rizarri | Heritage Wealth Management | Houston | Not listed | Percentage of assets, Hourly |
| Alfred Brady | MBR Financial | Houston | Not listed | Percentage of assets, Flat fee or retainer |
| Daniel Bender | MBR Financial | Houston | Not listed | Percentage of assets, Flat fee or retainer |
| John Brady | MBR Financial | Houston | Not listed | Percentage of assets, Flat fee or retainer |
| Leia Carpenter | Adell, Harriman, & Carpenter | Houston | CFA | Percentage of assets |
| Michael Hibbetts | ViaQuest Financial | Houston | CFP, CFA | Percentage of assets, Hourly |
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