Financial advisors for pension planning in Texas
Which financial advisor should I talk to about a pension in Texas?
For pension planning in Texas, talk to a fee-only planner who has compared pension elections before, ideally with your type of plan. Many of these choices, like a lump sum against an annuity or a survivor benefit, can't be undone. Records to start with include Joe Ward of Refined Wealth, Kirk Reagan of High Flight Financial LLC and Carman Kubanda of Innovative Wealth Building.
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 Holds the RICP and CFP. Fees on file: percentage of assets, one-time planning fee.
- Kirk Reagan High Flight Financial LLC, Dallas Holds the CFP and ChFC. Fees on file: one-time planning fee, hourly.
- Carman Kubanda Innovative Wealth Building, Fort Worth Holds the CFP. Fees on file: percentage of assets, subscription.
- Christopher Reddick Chris Reddick Financial Planning, San Antonio Holds the CFP. Fees on file: subscription, one-time planning fee.
- Ben Earls Earls Financial LLC, Fort Worth Holds the CFP. Fees on file: percentage of assets, flat fee or retainer.
- Paul Michel Provident Financial Planning, Addison Holds the CFP. Fees on file: percentage of assets, flat fee or retainer.
How many fee-only financial advisors in Texas work on pension planning?
The Wellspent public graph lists 39 fee-only advisors for pension planning in Texas, at 17 firms. We counted every advisor record that lists this work, as of October 2026.
Where are fee-only advisors for pension planning in Texas located?
Of the 39 fee-only advisors for pension planning in Texas, 10 are in The Woodlands, followed by 5 in Plano and 4 in Spring.
Plus 14 in other cities.
How do fee-only advisors for pension planning in Texas charge?
The most common fee among fee-only advisors for pension planning in Texas is a percentage of assets, used by 90% of the 39 with fees on file. Many use more than one: 64% charge fixed fees and 33% 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 pension planning have?
For pension planning, look for the RICP, CFP and ChFC. In Texas, 46% of the 39 advisors listed hold the CFP.
- RICP3% in Texas
- The RICP focuses on retirement income choices.
- CFP46% in Texas
- The CFP weighs the pension against the rest of your income.
- ChFC3% in Texas
- The ChFC includes retirement and insurance planning.
How do Texas advisors for pension planning compare with the rest of the US?
64% of fee-only advisors for pension planning in Texas charge fixed fees, compared with 35% of the 391 listed across the US. That's the largest difference in the Wellspent public graph between the two groups.
Dark bars are Texas. Light bars are all US advisors for pension planning.
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 about a pension in Texas?
- Have you worked with my employer's plan or its type?
- How would you compare the lump sum with monthly payments?
- How do you weigh survivor benefit options?
- Do you earn anything if I roll over or buy an annuity?
- Would you plan differently if I might move to another state in retirement?
How current is this list of fee-only advisors for pension planning 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.
All 39 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Christopher Reddick Flat-fee, advice-only retirement and tax planning for educators, federal employees and public servants balancing pensions with workplace accounts. | Chris Reddick Financial Planning | San Antonio | CFP, EA | Subscription, One-time planning fee |
| Jane Mepham Financial Planning For Foreign-Born Families & US Expats | Elgon Financial Advisors | Austin | CFP, MSC | Percentage of assets, One-time planning fee |
| Ben Earls | Earls Financial LLC | Fort Worth | CFP | Percentage of assets, Flat fee or retainer |
| Emily Rassam | Archer Investment Management | Austin | AIFA, CDAA, CFP, CRPS | Percentage of assets |
| Joe Ward | Refined Wealth | Houston | CFP, RICP, TPCP | Percentage of assets, One-time planning fee |
| Kirk Reagan Advice-only planning for military members and veterans, especially pre-retirees and those pursuing early financial independence. | High Flight Financial LLC | Dallas | CFP, ChFC | One-time planning fee, Hourly |
| Charles Parker | Parker Financial Advisors, LLC | Houston | AEP, BBA, CFP | Percentage of assets |
| Paul Michel | Provident Financial Planning | Addison | CFP | Percentage of assets, Flat fee or retainer |
| Carman Kubanda Holistic Financial, Tax, Estate, Business Planning from a boutique firm. | Innovative Wealth Building | Fort Worth | CFP | Percentage of assets, Subscription |
| Ethan Kok | Sage Wealth Planning | Georgetown | CFP | Percentage of assets, One-time planning fee |
| Paige Millikin | Sage Wealth Planning | Georgetown | CFP | Percentage of assets, One-time planning fee |
| Zackary Smutzer | Sage Wealth Planning | Georgetown | CFP | Percentage of assets, One-time planning fee |
| Ashley Stewart | Avion Wealth | The Woodlands | CFP | Percentage of assets, Fixed fees |
| Christopher McBee | Avion Wealth | The Woodlands | CFP | Percentage of assets, Fixed fees |
| Paul Carroll | Avion Wealth | The Woodlands | CFP | Percentage of assets, Fixed fees |
| Jonathan Lopez Experienced entrepreneurs helping business owners pay less in taxes and build wealth. | Truvize Financial Planning | El Paso | Not listed | Percentage of assets, Subscription |
| Alexander Wilson | Provident Financial Planning | Addison | Not listed | Percentage of assets, Flat fee or retainer |
| David Faulkner | Spectrum Advisors | Plano | CFP | Percentage of assets, Hourly |
| Jon Reppert | Spectrum Advisors | Plano | CFP | Percentage of assets, Hourly |
| Olivia Kriscunas | Paratus Financial | Dallas | CFA | Hourly, Fixed fees |
| Damon Wykrent | Divorce Financial Expert | Flower Mound | CFP | Percentage of assets, Hourly |
| Abigail Demirovic | Avion Wealth | The Woodlands | Not listed | Percentage of assets, Fixed fees |
| Alexander Amundson | Avion Wealth | The Woodlands | Not listed | Percentage of assets, Fixed fees |
| Ashley Owens | Avion Wealth | The Woodlands | Not listed | Percentage of assets, Fixed fees |
| Bonnie Chadwick | Paratus Financial | Dallas | Not listed | Hourly, Fixed fees |
| Carl Christensen | Avion Wealth | Columbus | Not listed | Percentage of assets, Fixed fees |
| Elizabeth Brady | Avion Wealth | The Woodlands | Not listed | Percentage of assets, Fixed fees |
| John Hollie | Avion Wealth | Shenandoah | Not listed | Percentage of assets, Fixed fees |
| Karla Saez | Avion Wealth | The Woodlands | Not listed | Percentage of assets, Fixed fees |
| Megan Beaufays | Avion Wealth | The Woodlands | Not listed | Percentage of assets, Fixed fees |
| Sarah McIvor | Avion Wealth | The Woodlands | Not listed | Percentage of assets, Fixed fees |
| Andrew Huber | Magnolia Wealth | Spring | Not listed | Percentage of assets, Fixed fees |
| James ONeill | Magnolia Wealth | Spring | Not listed | Percentage of assets, Fixed fees |
| Joshua Chandler | Magnolia Wealth | Spring | Not listed | Percentage of assets, Fixed fees |
| Shane Bilski | Magnolia Wealth | Spring | Not listed | Percentage of assets, Fixed fees |
| Elise Henderson | Spectrum Advisors | Plano | Not listed | Percentage of assets, Hourly |
| Karina Kingman | Spectrum Advisors | Plano | Not listed | Percentage of assets, Hourly |
| Nicholas Lehman | Spectrum Advisors | Plano | Not listed | Percentage of assets, Hourly |
| Nicola Barton | Forth Capital | Houston | Not listed | Percentage of assets, Hourly |
Want a shorter list for pension planning?
Tell us what you need and we'll narrow Texas's 39 advisors to the few who fit.
Get matched in 2 minutes