OUR SERVICES
Multi-Generational Planning
Planning how and when to pass assets to the next generation, from education savings to gifting strategies.
What We Can Do For You
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College savings strategies
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Gifting strategies
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Tax implications of gifting assets
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Trust analysis
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Planning for retirement in The Woodlands or the greater Houston area involves a multitude of factors, and getting them right matters more the closer you get to retirement. We work with you to analyze your desired lifestyle, retirement goals, and estate planning needs, and help determine optimal Social Security strategies and other government benefit programs. For many of our clients, especially those retiring from large employers in the energy industry, this also means navigating pension rollover decisions and comparing lump-sum payouts against annuity options, often a one-time decision with lasting financial consequences.
Education Planning
When planning for their children's education, most parents are aware of the runaway cost of higher education. However, not enough take full advantage of the tax-advantaged savings accounts available to help cover those expenses.
The two primary tools for education savings are Coverdell Education Savings Accounts and Qualified Tuition Programs, better known as 529 plans. We can model your savings and income to determine whether these tools make sense for your child's education.
In some cases, funds remain after your child finishes college. That raises the question of what to do with the leftover assets once qualified education expenses are no longer needed. This is something we can help sort out too, whether it means optimizing a non-qualified withdrawal or transferring the funds to a new beneficiary.
Gifting And Estate Planning
If you've accumulated enough assets to gift to family or for charitable purposes, we can help you plan those distributions.
Between spousal gifting rules, lifetime exclusion amounts, and asset valuation, the gifting process can feel daunting to start. Reach out to us today to see how we can help you gift your assets in an effective, tax-efficient manner.