Houston is the economic engine of Texas — the energy capital of the world, a global hub for healthcare and aerospace, and home to one of the most diverse and dynamic economies in the country.
At Intentional Living Financial Planning, we work with Houston families and professionals who are navigating high-stakes financial decisions — from energy industry compensation and equity planning to business exits, real estate wealth, and multi-generational estate strategies. The planning needs here are complex, fast-moving, and deeply personal.
Our office is in New Braunfels, and we serve Houston clients both in person and virtually.
Who We Work With in Houston
Energy industry professionals. Houston's oil, gas, and renewable energy sectors create unique compensation structures — restricted stock units, deferred compensation, bonus-heavy pay, and volatile income cycles. We help energy professionals build financial plans that account for the boom-and-bust reality of the industry.
Business owners across industries. Houston is one of the most entrepreneurial cities in America. We work with business owners navigating entity structuring, tax optimization, cash flow management, and eventual exit planning — whether you're running a logistics company, a medical practice, or a tech startup.
Medical professionals. The Texas Medical Center is the largest medical complex in the world, and we work with physicians, surgeons, and healthcare executives who face high incomes, significant student debt, complex benefits packages, and demanding schedules that leave little time for financial planning.
Affluent families in The Woodlands, Sugar Land, and Memorial. Many of our Houston-area clients live in master-planned communities where household wealth is significant but financial guidance is often product-driven rather than planning-driven. We offer a fee-only fiduciary alternative focused on what actually matters to your family.
Retirees and pre-retirees. Whether you're wrapping up a 30-year career in energy or transitioning out of a medical practice, the decisions you make in the years surrounding retirement are among the most consequential of your financial life. We help you navigate them with clarity and confidence.
What Makes Financial Planning in Houston Unique
Energy sector volatility. Houston's economy is deeply tied to global energy markets. When oil prices swing, so do incomes, bonuses, stock values, and job security. Financial planning here requires stress-testing against commodity cycles and building resilience into every layer of your plan.
Business density and diversity. Houston has one of the highest concentrations of business owners in Texas, spanning energy, healthcare, logistics, real estate, and professional services. Each industry brings its own financial complexity — and most advisors aren't equipped to handle them all. We are.
Real estate as a wealth-building tool. Houston's real estate market is one of the most active in the country. Many of our clients hold significant wealth in investment properties, rental portfolios, or commercial real estate. We integrate real estate strategy into your broader financial plan — not as an afterthought, but as a core component.
High income, high complexity. Houston is home to a large number of households earning $500K or more. With high income comes high complexity — multi-entity structures, deferred compensation, stock options, charitable strategies, and estate planning that requires sophisticated coordination across tax, legal, and investment disciplines.
A sprawling metro with limited fee-only options. Despite its size, Houston has relatively few fee-only fiduciary financial planners. Most advisory firms here operate on commissions or assets-under-management models that create conflicts of interest. We offer a transparent, fee-only alternative that puts your interests first — always.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — investment management, tax planning, retirement income optimization, business exit strategy, entity structure optimization, estate planning, real estate consulting, Bitcoin integration, cash flow planning, benefits and open enrollment guidance, and coordination with your CPA, estate attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.