River Oaks and Memorial represent some of the oldest and most significant wealth in Houston — and the financial planning needs here are anything but ordinary.
At Intentional Living Financial Planning, we work with families in River Oaks and Memorial who have built or inherited meaningful wealth and want to steward it with purpose across generations. Whether you're managing a multigenerational estate, navigating complex trust structures, or building a legacy from the ground up, we bring the depth and independence these situations demand.
Our office is in New Braunfels, and we serve River Oaks and Memorial clients both in person and virtually.
Stewarding Generational Wealth
Many families in River Oaks and Memorial are managing wealth that spans two, three, or even four generations. That level of financial complexity requires more than investment returns — it requires coordination across trust structures, beneficiary designations, investment oversight, and family communication.
We help families bring clarity to multigenerational planning by serving as an independent fiduciary who sits on the same side of the table as the family. We coordinate with your estate attorney, CPA, and trustee to ensure every piece of the plan works together — and that nothing falls through the cracks as wealth transfers from one generation to the next.
Whether it's reviewing trust documents, evaluating investment oversight within an irrevocable trust, or ensuring beneficiary designations align with your current estate plan, we bring the detail and discipline these situations require.
Building the Legacy From Here
Not every family in River Oaks and Memorial inherited their wealth. Many are entrepreneurs, energy executives, and professionals who are creating substantial wealth in their own right — and are now asking the harder question: what do we actually want this money to do?
For these families, we help build the financial architecture from the ground up — integrating tax planning, investment management, estate strategy, and cash flow coordination into a single, cohesive plan designed around their values, goals, and vision for the future.
This is where financial planning moves beyond spreadsheets and into real life. It's about building something that lasts — not just financially, but in the values and habits you pass down.
Family Governance and Legacy Planning
For high-net-worth families, money is never just about money. It's about identity, responsibility, and the relationships that hold a family together — or pull it apart.
We help families develop governance structures that bring transparency and shared purpose to wealth management. That may include facilitating family board meetings, creating a shared financial vision across generations, establishing guidelines for how wealth is managed and distributed, and building a framework for communication around money.
This kind of planning doesn't happen in a single meeting — it's an ongoing relationship. And it's one of the most meaningful things we do.
Estate Tax Planning
Families in River Oaks and Memorial often face estate tax exposure that requires proactive, sophisticated planning. We work alongside your estate attorney and CPA to implement strategies that preserve wealth and minimize unnecessary tax erosion across generations.
This includes coordinating annual and lifetime gifting strategies, evaluating irrevocable trust structures, exploring charitable giving vehicles like donor-advised funds and charitable remainder trusts, and analyzing the role of dynasty trusts and generation-skipping transfer strategies within your broader financial plan.
Estate tax planning is not a one-time event — it's an ongoing discipline that evolves as tax law changes, family dynamics shift, and wealth grows. We ensure your plan stays current and coordinated.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — estate tax planning, trust coordination, legacy planning, family governance, investment management, tax planning, retirement income optimization, charitable giving strategy, cash flow planning, benefits and open enrollment guidance, and coordination with your CPA, estate attorney, trustee, 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.