# Financial advisors for physicians in Texas > For physicians in Texas, talk to a fee-only planner who already serves doctors and knows your stage, from training through practice ownership. Student loans, disability insurance, and contract terms are decisions most generalists rarely see. Records to start with include Sanjay Pamurthy of Artham Advisors LLC, Gabriel Motta of Inclinevest® and Dedrick Curtis of Penny Earned Financial. Page: https://find.wellspent.co/specialties/physicians/texas/ 58 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 as a physician in Texas? For physicians in Texas, talk to a fee-only planner who already serves doctors and knows your stage, from training through practice ownership. Student loans, disability insurance, and contract terms are decisions most generalists rarely see. Records to start with include Sanjay Pamurthy of Artham Advisors LLC, Gabriel Motta of Inclinevest® and Dedrick Curtis of Penny Earned Financial. - [Sanjay Pamurthy](https://find.wellspent.co/advisors/sanjay-pamurthy/), Artham Advisors LLC, Dallas. Holds the CFP. Fees on file: flat fee or retainer. - [Gabriel Motta](https://find.wellspent.co/advisors/gabriel-motta/), Inclinevest®, Plano. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [Dedrick Curtis](https://find.wellspent.co/advisors/dedrick-curtis/), Penny Earned Financial, San Antonio. Holds the CFP. Fees on file: ongoing planning fee, one-time planning fee. - [Zach Reyes](https://find.wellspent.co/advisors/zach-reyes/), Circadia Financial Planning, Westlake. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Chao Zhang](https://find.wellspent.co/advisors/chao-zhang/), Think Different Wealth Advisors LLC, Allen. Holds the CFP. Fees on file: percentage of assets. - [Stephanie Harris](https://find.wellspent.co/advisors/stephanie-harris/), S. Harris Financial Group, San Antonio. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Texas work with physicians? The Wellspent public graph lists 58 fee-only advisors for physicians in Texas, at 23 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for physicians in Texas located? Of the 58 fee-only advisors for physicians in Texas, 22 are in Dallas, followed by 10 in Houston and 9 in San Antonio. ## How do fee-only advisors for physicians in Texas charge? The most common fee among fee-only advisors for physicians in Texas is a percentage of assets, used by 97% of the 58 with fees on file. Many use more than one: 60% 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 physicians have? For physicians, look for the CFP. In Texas, 53% of the 58 advisors listed hold the CFP. - CFP (53% of advisors listed): The CFP covers the insurance and retirement decisions doctors face. ## How do Texas advisors for physicians compare with the rest of the US? 60% of fee-only advisors for physicians in Texas charge fixed fees, compared with 51% of the 691 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## 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 physician in Texas? - How many physicians do you work with, and at what career stage? - How would you approach my loans, including PSLF? - How do you evaluate own-occupation disability coverage? - Do you sell insurance or earn anything from it? - If I've worked in other states, what could I still owe there? ## How current is this list of fee-only advisors for physicians 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 | |---|---|---|---|---| | [Chao Zhang](https://find.wellspent.co/advisors/chao-zhang.md) | Think Different Wealth Advisors LLC | Allen, Texas | CFA, CFP, MBA | Percentage of assets | | [Gabriel Motta](https://find.wellspent.co/advisors/gabriel-motta.md) | Inclinevest® | Plano, Texas | CFP, MBA | Percentage of assets, One-time planning fee | | [Zach Reyes](https://find.wellspent.co/advisors/zach-reyes.md) | Circadia Financial Planning | Westlake, Texas | CFP | Percentage of assets, Ongoing planning fee | | [Sanjay Pamurthy](https://find.wellspent.co/advisors/sanjay-pamurthy.md) | Artham Advisors LLC | Dallas, Texas | CFP, MBA | Flat fee or retainer | | [Dedrick Curtis](https://find.wellspent.co/advisors/dedrick-curtis.md) | Penny Earned Financial | San Antonio, Texas | CFP, AFC, ChFC | Ongoing planning fee, One-time planning fee | | [Katie Brewer](https://find.wellspent.co/advisors/katie-brewer.md) | Your Richest Life, LLC | Plano, Texas | CFP, MBA | Percentage of assets, Hourly, Fixed fees | | [Abigail Gunderson](https://find.wellspent.co/advisors/abigail-gunderson.md) | Tanglewood Total Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Adam Lawrence](https://find.wellspent.co/advisors/adam-lawrence.md) | Tanglewood Total Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Benjamin Lopez](https://find.wellspent.co/advisors/benjamin-lopez.md) | PecuSavvy Financial | El Paso, Texas | CFP | Percentage of assets | | [Brian Merrill](https://find.wellspent.co/advisors/brian-merrill.md) | Tanglewood Total Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Chase Perry](https://find.wellspent.co/advisors/chase-perry.md) | Beaird Harris | Dallas, Texas | CFP | Percentage of assets, Fixed fees | | [Daniel King](https://find.wellspent.co/advisors/daniel-king.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Jack Marino](https://find.wellspent.co/advisors/jack-marino.md) | Lake Hills Wealth Management | Longview, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Jacob King](https://find.wellspent.co/advisors/jacob-king.md) | Beaird Harris | Dallas, Texas | CFP | Percentage of assets, Fixed fees | | [James Sullivan](https://find.wellspent.co/advisors/james-sullivan.md) | Beaird Harris | Dallas, Texas | CFP, CFA | Percentage of assets, Fixed fees | | [James Zimmerman](https://find.wellspent.co/advisors/james-zimmerman.md) | Beaird Harris | Dallas, Texas | CFP | Percentage of assets, Fixed fees | | [Jason Clevlen](https://find.wellspent.co/advisors/jason-clevlen.md) | Lake Hills Wealth Management | Austin, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Joseph Dunn](https://find.wellspent.co/advisors/joseph-dunn.md) | Beaird Harris | Dallas, Texas | CFP | Percentage of assets, Fixed fees | | [Justin Watson](https://find.wellspent.co/advisors/justin-watson.md) | Beaird Harris | Dallas, Texas | CFP, PFS | Percentage of assets, Fixed fees | | [Keith Fenstad](https://find.wellspent.co/advisors/keith-fenstad.md) | Tanglewood Total Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Michael Pumphrey](https://find.wellspent.co/advisors/michael-pumphrey.md) | Tanglewood Total Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Mitchell Byrum](https://find.wellspent.co/advisors/mitchell-byrum.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Peter Faust](https://find.wellspent.co/advisors/peter-faust.md) | Tanglewood Total Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Samuel Haager](https://find.wellspent.co/advisors/samuel-haager.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Stephanie Harris](https://find.wellspent.co/advisors/stephanie-harris.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Steven Lugar](https://find.wellspent.co/advisors/steven-lugar.md) | Beaird Harris | Dallas, Texas | CFP | Percentage of assets, Fixed fees | | [Tai Chu](https://find.wellspent.co/advisors/tai-chu.md) | Beaird Harris | Dallas, Texas | CFP | Percentage of assets, Fixed fees | | [Tina Yang](https://find.wellspent.co/advisors/tina-yang.md) | Tanglewood Total Wealth Management | Houston, Texas | CFP | Percentage of assets | | [Virginia Baker](https://find.wellspent.co/advisors/virginia-baker.md) | Beaird Harris | Dallas, Texas | CFP | Percentage of assets, Fixed fees | | [Jeffrey Broadhurst](https://find.wellspent.co/advisors/jeffrey-broadhurst.md) | Broadhurst Financial Advisors | Austin, Texas | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Roberto Ortega](https://find.wellspent.co/advisors/roberto-ortega.md) | RidgeOak Wealth | Spring, Texas | CFP | Percentage of assets | | [Kevin Spires](https://find.wellspent.co/advisors/kevin-spires.md) | Bellaire Capital Management | Bellaire, Texas | CFA | Percentage of assets, Hourly | | [Patrick Beaird](https://find.wellspent.co/advisors/patrick-beaird.md) | Beaird Harris | Dallas, Texas | PFS | Percentage of assets, Fixed fees | | [Joseph Rugger](https://find.wellspent.co/advisors/joseph-rugger.md) | Bridge To Wealth | Corinth, Texas | | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Donald Harris](https://find.wellspent.co/advisors/donald-harris.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [Gary Harris](https://find.wellspent.co/advisors/gary-harris.md) | S. Harris Financial Group | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [Gracelyn Snider](https://find.wellspent.co/advisors/gracelyn-snider.md) | S. Harris Financial Group | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [James Simmons](https://find.wellspent.co/advisors/james-simmons.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [John Merrill](https://find.wellspent.co/advisors/john-merrill.md) | Tanglewood Total Wealth Management | Houston, Texas | | Percentage of assets | | [Kelly Snider](https://find.wellspent.co/advisors/kelly-snider.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [Kevin Lindley](https://find.wellspent.co/advisors/kevin-lindley.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [Kraishylea Agboaye](https://find.wellspent.co/advisors/kraishylea-agboaye.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [Kurt Gunter](https://find.wellspent.co/advisors/kurt-gunter.md) | Lake Hills Wealth Management | Austin, Texas | | Percentage of assets, Hourly, Fixed fees | | [Paula Allgood](https://find.wellspent.co/advisors/paula-allgood.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [Robert Pascarella](https://find.wellspent.co/advisors/robert-pascarella.md) | Peerless Wealth | Spring, Texas | | Percentage of assets, Hourly | | [Ronald Skalberg](https://find.wellspent.co/advisors/ronald-skalberg.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [Shannon Schulz](https://find.wellspent.co/advisors/shannon-schulz.md) | S. Harris Financial Group | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [Stuart Herzog](https://find.wellspent.co/advisors/stuart-herzog.md) | Beaird Harris | Dallas, Texas | | Percentage of assets, Fixed fees | | [Thomas Bruce](https://find.wellspent.co/advisors/thomas-bruce.md) | Tanglewood Total Wealth Management | Houston, Texas | | Percentage of assets | | [Alexis Buchholz](https://find.wellspent.co/advisors/alexis-buchholz.md) | BFG Wealth Management | Dallas, Texas | | Percentage of assets | Showing the first 50 of 58. The full list, page by page: https://find.wellspent.co/specialties/physicians/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).