Financial Planning That Grows With You in Houston
- Plan for major purchases
- Pursue Investment Growth
- Simplify life changes
Life is complex. Your financial plan shouldn’t be.
Life doesn’t come with a manual for your unique big-money decisions. Can you afford a second home? How much is too much to spend on travel? Will your spouse be okay if something happens to you? If your money decisions feel overwhelming or unclear, it’s time to get the answers you deserve.
Start living with a plan you can trust
Imagine having a financial plan that keeps up with your busy life. With Concenture, you’ll know exactly where you stand, what you can afford, and how to make your money work harder for you. Travel, family, major purchases – whatever your goals, we’ll help you get there with confidence and ease.
A plan that fits your life
We help you focus on what matters most. Our approach covers:
- Big-Picture Goals: From buying a home to paying for college, we’ll break it down
- Tax Efficiency: Strategies that keep more of your money working for you
- Simplification: Consolidating your assets so you can stop juggling accounts
- Security: Making sure your family is covered for any “what-ifs.”
Financial planning doesn’t have to be overwhelming – it just has to be tailored to you.
Your partner for the big and small decisions
Nobody wants a cookie-cutter approach to their finances. That’s why we start by getting to know you – your goals, your concerns, your vision for the future. Then, we craft a plan that fits your life, not someone else’s template. You’ll know where your money is going, why, and how it gets you closer to what matters most.
Let’s build your plan in three simple steps
Start the conversation
Share your goals and challenges with us, so we can understand what matters to you.
Build the plan
We’ll create a strategy to tackle your priorities head-on with clear, actionable steps.
Put it into action
Watch as your financial decisions start to make life easier – not harder.
“A well-structured plan today helps ensure you can live the life you want tomorrow”
– Karen Heider
What’s Included in a Financial Plan?
A strong financial plan should help you make confident decisions today while preparing for the future.
- Clarifying short-term and long-term financial goals
- Reviewing income, expenses, and cash flow
- Evaluating net worth and investment accounts
- Building an investment strategy
- Retirement planning
- Tax-efficient planning strategies
- Insurance and risk management reviews
- Estate planning coordination
- Ongoing financial plan adjustments as life changes
Financial Planning for Different Stages of Life
Families
Help families balance retirement savings, college planning, home expenses, and long-term financial goals.
Pre-Retirees
Help individuals approaching retirement evaluate income strategies, investments, taxes, and long-term planning decisions.
Business Owners
Help business owners navigate more complex financial decisions involving taxes, cash flow, succession planning, and retirement.
Working with a Houston Financial Planner
Whether you’re preparing for retirement, growing your investments, navigating a major life change, or simply trying to make smarter financial decisions, working with a Houston financial planner can help bring clarity to your financial life.
At Concenture, we help individuals and families create personalized financial plans built around their goals, cash flow, investments, long-term priorities, and overall financial health.
Financial planning doesn’t have to be overwhelming – it just has to be tailored to you.
What Is Financial Planning?
Financial planning is the work of organizing your money around the life you want, then keeping it organized as that life changes. A plan looks at what you earn, what you spend, what you own, and what you owe, and it connects those numbers to the decisions in front of you now as well as the ones coming later.
At Concenture, planning starts with your vision and your goals rather than a product recommendation. The result is a working strategy that gets revisited as your circumstances shift, not a document you file away.
How the Financial Planning Process Works
Our financial planning process has three steps, and it begins with a conversation.
First, we listen. We want to understand your biggest goals and what keeps you up at night, whether that is retiring early, buying a second home, or safeguarding your family’s future.
Second, we build the plan. Using everything you have shared, we craft a strategy that aligns with your goals and priorities, drawing on tax efficiency and investment management where they fit your situation.
Third, you put it into motion and get back to your life. We keep the plan working in the background, and as things change, we adapt so it continues to fit.
Who Works With a Financial Planning Advisor?
People tend to bring in a financial planning advisor when the decisions get big enough that guessing stops feeling comfortable.
Families often come to us while balancing retirement savings against college costs and home expenses. Pre-retirees usually arrive within a few years of their last paycheck, wanting to understand how a lifetime of savings becomes monthly income. Business owners bring a different set of questions, generally involving taxes, cash flow, and what happens to the company when they step back.
We also work with Houston professionals earlier in their careers who are earning well and want more structure behind their decisions, and with employees of the region’s major energy companies. If you’re in the middle of a transition such as a job change, a business sale, or an inheritance, that’s often when planning matters most.
Financial Planning Services Offered in Houston
Financial planning is the umbrella. Underneath it sit the specific services that carry a plan out, and most clients use more than one.
- Retirement planning, including turning savings into reliable income, Social Security timing, and 401(k) rollovers
- Investment management, built on global perspective, company fundamentals, technical timing, and a risk-managed strategy
- Legacy and estate planning, so your wealth reflects your values and the people who matter most to you
- Emerging wealth planning through GPS by Concenture, for Houston professionals building momentum earlier in their careers
- Tax-efficient planning strategies, cash flow and net worth review, and insurance and risk management reviews
The mix depends entirely on your situation. A pre-retiree and a business owner living on the same street can need very different plans.
Working With a Houston Financial Planning Advisor at Concenture
Our Houston office is located at 15377 Memorial Drive, and we work with clients across the Energy Corridor, Memorial, Katy, Spring, Sugar Land, The Woodlands, Missouri City, Cy-Fair, Fulshear, and Klein. Meetings happen in the office or by video, and we work with clients in other states as well.
Our team brings over 60 years of experience. Robert G. Gilliland, CRPC®, founded the firm and serves as Managing Director and Senior Wealth Advisor, alongside Senior Wealth Advisor Karen E. Heider, CRPC®, CDFA®, BFA™, and Chief Investment Officer Mike W. Alexander, CIMA®. Concenture Wealth Management is a Sanctuary Wealth partner firm.
What you get is an ongoing advisory relationship. Fees are discussed up front and tailored to your situation, and we meet as often as your plan requires. It costs nothing to start the conversation.
Frequently Asked Questions
What is the difference between financial planning and wealth management?
Financial planning focuses on organizing and preparing for important financial decisions involving retirement, taxes, investments, insurance, and long-term goals. Wealth management is the broader ongoing relationship, which often includes investment management alongside long-term financial strategy.
In practice, most people need both working together. A plan with no one managing the investments behind it tends to drift, and a portfolio managed without a plan has no benchmark beyond market performance. At Concenture, your financial plan and your investment strategy are built to line up, so the portfolio reflects what the plan is trying to do.
What does a financial plan include?
A financial plan may include retirement planning, investment strategy, tax planning, cash flow analysis, insurance reviews, estate planning coordination, and goal-based recommendations.
Ours generally starts by clarifying your short-term and long-term financial goals, then reviews income, expenses, and cash flow, evaluates your net worth and investment accounts, and builds an investment strategy around what you are working toward. From there it addresses retirement planning, tax-efficient strategies, insurance and risk management, and coordination with your estate documents. The plan is then adjusted over time as life changes.
When should I hire a financial planning advisor?
Many people start working with a financial planning advisor during a major life transition, such as preparing for retirement, growing a family, selling a business, or managing financial complexity that has outgrown a spreadsheet.
You don’t have to be close to retirement. Houston professionals who are earning well earlier in their careers often benefit from putting structure around their decisions before the stakes get higher. A quick test: if you are making financial decisions and unable to fully explain the reasoning behind them, it’s probably time to talk to someone.
How much do financial planning services cost?
Our fees are up front and tailored to your situation, with clear communication about what you’re getting. There are no surprises.
Helpful financial guidance takes time to understand your goals, your values, and the changes life brings, so we offer an ongoing advisory relationship rather than a one-time plan document. That covers the advice itself plus the follow-through that keeps it working for you and your family. The first conversation costs nothing, and we will walk you through the fee structure before you commit to anything.
What should I bring to my first financial planning meeting?
Bring yourself, your questions, and whatever information you have about your financial goals or current accounts. That might be recent statements, a benefits summary from your employer, or a rough list of what you own and what you owe.
If none of it’s organized, that’s fine, we can guide you through the rest. The first meeting is mostly listening on our end, because we want to understand what success looks like to you before we talk about strategy.
How often will I meet with my financial planning advisor?
We provide regular progress updates and meet as often as your plan requires.
For most clients that means scheduled reviews through the year, plus availability whenever something comes up that should not wait, whether that’s a job change, a market move that has you concerned, or a question about when to claim Social Security. Between meetings, our market insights keep you current on what is happening and why it matters to your plan.
Can I work with a Houston financial planning advisor virtually?
Yes. We work with clients from across the country.
Whether you meet with us at our Houston office or virtually, the process is designed to be just as personal, clear, and productive. Many Houston-area clients use a mix of both, coming in for an annual review and handling everything else remotely. If you’re relocating, let us know and we can talk through what continuing together would look like.
What makes Concenture different from other financial planning advisors in Houston?
Our planning starts with what matters most: your vision and your goals. The firm is small enough that you work directly with the people building your plan, which keeps the advice personal and relevant.
The team brings over 60 years of experience and holds designations including CRPC®, CDFA®, BFA™, CEPA®, and CIMA®. Concenture Wealth Management is a Sanctuary Wealth partner firm, and the firm has been featured in Forbes, FOX 26 Houston, InvestmentNews, and AOL. You can also hear how we think about these questions on our podcast.
Does financial planning look different for Houston oil and gas employees?
It can. Employees of Houston’s major energy companies often have benefits packages and retirement plan options that do not look like a standard 401(k), and the timing of decisions around them carries real weight.
We maintain dedicated resources for employees of BP, Shell, Chevron, ExxonMobil, ConocoPhillips, and Phillips 66, covering the retirement questions specific to each employer. The planning process itself is the same one we use with every client, applied to a more specific set of variables.
What happens to my financial plan when my life changes?
The plan changes with it. That’s the reason we build an ongoing relationship instead of handing over a document and walking away.
Concenture’s A.G.E. Approach is designed for exactly this, keeping your strategy adaptable as circumstances shift and growth-focused as inflation and market conditions move. When something significant happens, we revisit the plan and adjust it. You don’t have to wait for an annual review to raise it with us.
What our clients say about us
Reviews are sourced from independent third-party platforms and reflect the experiences of individual clients. Concenture Wealth Management does not control, edit, or provide compensation for reviews. Testimonials are not necessarily representative of all client experiences and do not guarantee future performance. This review was provided by a current client. There are no conflicts of interest affecting its content. Additional reviews are available on our Google Business Profile.
Experience the power of strategic planning
Embrace a future where you can have:
- A plan that helps you live the life you want, starting now
- Real answers to life’s big questions about money
- Simpler decisions and fewer financial headaches
- Peace of mind knowing your family and future are secure
- A trusted partner who’s with you for the long haul
Your future doesn’t have to be uncertain. Let’s build a plan that makes sense for you.