TruePoint Financial builds retirement and investment plans for Houston households. Every plan is stress-tested against a poor first decade, because that is the scenario that actually breaks retirements.
Most retirement projections run on an average annual return. Seven percent, compounded, a smooth line climbing across a chart. It is easy to model and easy to present, and it describes a sequence of years that has essentially never happened to anyone.
What breaks a retirement is order, not average. Two households can experience identical average returns over thirty years and reach entirely different outcomes depending on whether the poor years arrived first or last. Withdrawing from a portfolio that has just fallen 30% does damage that a good decade afterwards cannot fully repair.
So every plan here is tested against a poor first decade specifically. Not a Monte Carlo confidence percentage, but a plain question with a plain answer: if the first ten years look like the worst ten on record, does this plan still work, and what exactly would we change in year three?
Engaged together or individually, each priced in writing beforehand.
A written plan across cash flow, insurance adequacy, education funding, and stated goals, reviewed annually and available with nothing under management.
Withdrawal sequencing across taxable, deferred, and tax-free accounts, Social Security timing, and drawdown design tested against poor early years.
Low-cost, globally diversified portfolios rebalanced on written bands. We do not forecast markets and we say so at the first meeting.
Asset location, loss harvesting, and Roth conversion analysis worked year-round with your CPA rather than in the week before a filing deadline.
Coordination with your attorney on titling, beneficiary designations, and the family conversations that decide whether documents work as written.
For Houston households with concentrated employer stock, RSU vesting schedules, and deferred compensation tied to one industry.
A portfolio funds a life, and it cannot be designed before that life is described. Every relationship starts with planning: obligations, timelines, tax position, and what the money is genuinely for.
The portfolio that follows is deliberately dull. Low-cost, globally diversified, rebalanced on written bands rather than on a calendar or a view about next quarter.
We are fee-only without exception. No commissions, no revenue sharing, no third-party compensation of any kind, and we hold no licence permitting us to accept a commission.
One hour, no fee. We establish whether we are the right firm, and sometimes conclude we are not.
Obligations, timelines, tax position, and risk capacity documented before any recommendation.
The plan run against a poor first decade, with the specific adjustments we would make named in advance.
Annual plan review, quarterly reporting, and revision when your circumstances change.
Households approaching or in retirement, professionals with concentrated employer stock, and business owners across west Houston, Katy, and Sugar Land.
A large share of our clients hold significant energy sector exposure through employer stock, RSUs, or deferred compensation. Their income and their portfolio frequently move together, which is a specific and underexamined risk.
Generally $500,000 and above in investable assets, with planning-only engagements available at no asset minimum.
CFP®. Founded the firm in 2012 after twelve years in fee-only planning. In every introduction.
CFP®. Sixteen years in comprehensive planning for professionals and owners.
CFA. Fourteen years in portfolio construction and rebalancing discipline.
CPA. Thirteen years in asset location and concentrated stock planning.
Claire showed me what my plan looked like if the first ten years were the worst ten on record, and exactly what she would change in year three. Nobody had ever put a number on that for me.
A one-hour introduction, no fee, and no obligation afterwards.