# Financial advisors for retirees in Houston, Texas > For retirees in Houston, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Joe Ward of Refined Wealth, Rachel Buckhoff of Financial Synergies Wealth Advisors and Justin Reede of Integrity Road Wealth Partners LLC. Page: https://find.wellspent.co/audiences/retirees/texas/houston/ 110 fee-only advisors listed; data last updated November 2, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a retiree in Houston? For retirees in Houston, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Joe Ward of Refined Wealth, Rachel Buckhoff of Financial Synergies Wealth Advisors and Justin Reede of Integrity Road Wealth Partners LLC. - [Joe Ward](https://find.wellspent.co/advisors/joe-ward/), Refined Wealth, Houston City. Holds the RICP and CFP. Fees on file: percentage of assets, one-time planning fee. - [Rachel Buckhoff](https://find.wellspent.co/advisors/rachel-buckhoff/), Financial Synergies Wealth Advisors, Houston City. Holds the CFP. Fees on file: percentage of assets. - [Justin Reede](https://find.wellspent.co/advisors/justin-reede/), Integrity Road Wealth Partners LLC, Houston City. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Jonathan Swanburg](https://find.wellspent.co/advisors/jonathan-swanburg/), TSA Wealth Management, Houston City. Holds the CFP. Fees on file: percentage of assets. - [Joseph Williams](https://find.wellspent.co/advisors/joseph-williams-860333/), Precedent Wealth Partners, Houston City. Holds the CFP. Fees on file: percentage of assets. - [Jeffrey Wright](https://find.wellspent.co/advisors/jeffrey-wright/), Teamwork Financial Group, Houston City. Holds the CFP. Fees on file: percentage of assets. ## How many fee-only financial advisors in Houston work with retirees? The Wellspent public graph lists 110 fee-only advisors for retirees in Houston, at 25 firms. We counted every advisor record that lists this work, as of November 2026. ## How do fee-only advisors for retirees in Houston charge? The most common fee among fee-only advisors for retirees in Houston is a percentage of assets, used by 98% of the 110 with fees on file. Many use more than one: 40% charge by the hour and 32% 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 retirees have? For retirees, look for the RICP and CFP. In Houston, 42% of the 110 advisors listed hold the CFP. - RICP (1% of advisors listed): The RICP focuses on income in retirement. - CFP (42% of advisors listed): The CFP covers tax, insurance, and estate decisions together. ## How do Houston advisors for retirees compare with the rest of the US? 32% of fee-only advisors for retirees in Houston charge fixed fees, compared with 44% of the 3,334 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## 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 as a retiree in Houston? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - Would you plan differently if I might move to another state in retirement? ## How current is this list of fee-only advisors for retirees 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. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Joe Ward](https://find.wellspent.co/advisors/joe-ward.md) | Refined Wealth | Houston, Texas | CFP, RICP, TPCP | Percentage of assets, One-time planning fee, Flat fee or retainer, Hourly, Ongoing planning fee | | [Jonathan McAlister](https://find.wellspent.co/advisors/jonathan-mcalister.md) | Integrity Road Wealth Partners LLC | Houston, Texas | CFP, MBA, CKA | Percentage of assets, Ongoing planning fee | | [Justin Reede](https://find.wellspent.co/advisors/justin-reede.md) | Integrity Road Wealth Partners LLC | Houston, Texas | CFP, CKA | Percentage of assets, Ongoing planning fee | | [Cameron Penney](https://find.wellspent.co/advisors/cameron-penney.md) | Penney Financial | Houston, Texas | CFP | Percentage of assets, Flat fee or retainer, Hourly, One-time planning fee, Ongoing planning fee | | [Charles Parker](https://find.wellspent.co/advisors/charles-parker.md) | Parker Financial Advisors, LLC | Houston, Texas | AEP, BBA, CFP | Percentage of assets | | [Kaki Perdue](https://find.wellspent.co/advisors/kaki-perdue.md) | Look Both Ways Financial | Houston, Texas | CPA, CFP | One-time planning fee, Hourly | | [Morgann Zimmer](https://find.wellspent.co/advisors/morgann-zimmer.md) | Goodman Financial Corporation | Houston, Texas | CFP, CPA | Percentage of assets, Hourly | | [Rodney James](https://find.wellspent.co/advisors/rodney-james.md) | Vineyard Family Wealth, LLC | Houston, Texas | CFP | Percentage of assets, Fixed fees | | [Scott Hamilton](https://find.wellspent.co/advisors/scott-hamilton.md) | Hamilton Financial Planning | Houston, Texas | CFP, MBA | Percentage of assets, Hourly | | [Andrew Casey](https://find.wellspent.co/advisors/andrew-casey.md) | Precedent Wealth Partners | Houston, Texas | CFP | 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 | | [Joseph Williams](https://find.wellspent.co/advisors/joseph-williams-860333.md) | Precedent Wealth Partners | Houston, Texas | CFP, PFS | Percentage of assets | | [Lantz Bowman](https://find.wellspent.co/advisors/lantz-bowman.md) | Precedent Wealth Partners | Houston, Texas | CFP | Percentage of assets | | [Thomas Kluttz](https://find.wellspent.co/advisors/thomas-kluttz.md) | Analog Capital Partners | Houston, Texas | CFP, ChFC | Percentage of assets | | [Billy Desai](https://find.wellspent.co/advisors/billy-desai.md) | Analog Capital Partners | Houston, Texas | CFA | Percentage of assets | | [Brett Carleton](https://find.wellspent.co/advisors/brett-carleton.md) | Heritage Wealth Management | Houston, Texas | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [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 | | [Hany Ahmad](https://find.wellspent.co/advisors/hany-ahmad.md) | Teamwork Financial Group | 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 | | [Ian Harris](https://find.wellspent.co/advisors/ian-harris.md) | Heritage Wealth Management | Houston, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Jeffrey Wright](https://find.wellspent.co/advisors/jeffrey-wright.md) | Teamwork Financial Group | Houston, Texas | CFP, ChFC | 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 | | [Nathan Burleson](https://find.wellspent.co/advisors/nathan-burleson.md) | Heritage Wealth Management | Houston, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Rachel Buckhoff](https://find.wellspent.co/advisors/rachel-buckhoff.md) | Financial Synergies Wealth Advisors | Houston, Texas | CFP | Percentage of assets | | [Robert Dwyer](https://find.wellspent.co/advisors/robert-dwyer.md) | Heritage Wealth Management | Houston, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [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 | | [Austin Marrs](https://find.wellspent.co/advisors/austin-marrs.md) | TSA Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Christopher Dyson](https://find.wellspent.co/advisors/christopher-dyson.md) | MBR Financial | Houston, Texas | CFP | Percentage of assets, Flat fee or retainer, Hourly | | [Crystal McKeon](https://find.wellspent.co/advisors/crystal-mckeon.md) | TSA Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Jonathan Swanburg](https://find.wellspent.co/advisors/jonathan-swanburg.md) | TSA Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Mary Margolis](https://find.wellspent.co/advisors/mary-margolis.md) | MBR Financial | Houston, Texas | CFP | Percentage of assets, Flat fee or retainer, Hourly | | [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 | | [Ashley Trlica](https://find.wellspent.co/advisors/ashley-trlica.md) | Saxon Financial Group | Houston, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Brandon Ivy](https://find.wellspent.co/advisors/brandon-ivy.md) | Saxon Financial Group | Houston, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Bretton Williams](https://find.wellspent.co/advisors/bretton-williams.md) | Saxon Financial Group | Houston, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Casey Kha](https://find.wellspent.co/advisors/casey-kha.md) | FCA | Houston, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Dallas Trahern](https://find.wellspent.co/advisors/dallas-trahern.md) | Precedent Wealth Partners | Houston, Texas | | Percentage of assets | | [Daniel Adams](https://find.wellspent.co/advisors/daniel-adams.md) | Analog Capital Partners | Houston, Texas | | Percentage of assets | | [Evan Darr](https://find.wellspent.co/advisors/evan-darr.md) | Precedent Wealth Partners | Houston, Texas | | Percentage of assets | | [Jeff Pomerantz](https://find.wellspent.co/advisors/jeff-pomerantz.md) | Analog Capital Partners | Houston, Texas | | Percentage of assets | | [Jonathan Crantz](https://find.wellspent.co/advisors/jonathan-crantz.md) | Precedent Wealth Partners | Houston, Texas | | Percentage of assets | | [Jonathan White](https://find.wellspent.co/advisors/jonathan-white-7335425.md) | Analog Capital Partners | Houston, Texas | | Percentage of assets | Showing the first 50 of 110. The full list, page by page: https://find.wellspent.co/audiences/retirees/texas/houston/?page=2 ## Related - [Retirement planning in Houston](https://find.wellspent.co/specialties/retirement-planning/texas/houston.md) - [Estate planning in Houston](https://find.wellspent.co/specialties/estate-planning/texas/houston.md) - [Tax planning in Houston](https://find.wellspent.co/specialties/tax-planning/texas/houston.md) - [Founders in Houston](https://find.wellspent.co/specialties/founders-pre-exit/texas/houston.md) - [Family wealth transfer in Houston](https://find.wellspent.co/specialties/family-wealth-transfer/texas/houston.md) - [Executives in Houston](https://find.wellspent.co/audiences/executives/texas/houston.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).