Looking for the best financial adviser in Houston, Texas, can take considerable time given the vast expanse of the city and the number of financial advisory firms available. To simplify your search and cater to your unique financial needs, experts at Benzinga have compiled a list of the top financial advisers in Houston. Compare the pricing and offerings of these advisers to find the perfect partner for your financial goals.
Quick Look: Financial Advisers in Houston, Texas
- Best Approach to Risk: Core Capital Management & Research
- Best for Retirement Planning: Heritage Wealth Management
- Best Robo-Adviser: M1 Finance
- Best for Wide Range of Services: Symphony Financial
- Best for Tailor-Made Financial Plans: Linscomb & Williams
- Best Portfolio Analysis: Empower
- Best for Comprehensive Financial Planning: Sovereign Wealth Advisers
- Best for Full Suite of Financial Planning Services: Chilton Capital Management
Best Financial Advisers in Houston, Texas
1. Best Approach to Risk: Core Capital Management & Research
Core Capital Management & Research is a top-rated financial adviser in Houston, Texas. It offers investment solutions to individual and institutional investors, with a focus on tailored and tax-efficient options. With over 30 years of experience, the firm prioritizes consistent returns and minimizes risks while actively managing portfolios based on market trends and client feedback.
Clients can access their portfolios online and receive regular updates from their advisers. Core Capital Management & Research charges competitive fees below the industry average.
Core Capital Management & Research Services
- Fee-only investment management
- Risk modeling and analysis
- selection of other advisers
Core Capital Management & Research Investment Strategy
Core Capital creates personalized portfolios for clients based on a thorough understanding of their financial situation, needs, goals and risk tolerance. These portfolios consist primarily of individual equities and fixed-income products and may include cash or cash equivalents as deemed appropriate by market conditions. Core Capital does not rely on a model portfolio and ensures each portfolio is tailored specifically for the client.
2. Best for Retirement Planning: Heritage Wealth Management
Heritage Wealth Management is a fiduciary financial adviser in Houston that specializes in retirement planning for professionals in the oil and gas industry, as well as physicians and dentists. With a team of certified financial planners possessing over 40 years of experience, Heritage Wealth Management helps its clients achieve their retirement goals and enjoy a comfortable lifestyle.
The company operates as a fee-only independent adviser, which means its interests align with its clients as it does not receive commissions or incentives from selling products or services. It charges a percentage of the assets it manages.
Heritage Wealth Management Services
- Financial planning
- Asset preservation
- Tax planning
- Retirement planning
- Multi-generational planning
Heritage Wealth Management Investment Strategy
HWM tailors its investment strategies to meet the unique objectives and risk tolerance of each of its clients. Its investment strategies include long- and short-term purchases. While the company does not use margin as part of its investment strategy, it does work with clients to use margin for interim financial needs outside of securities purchases.
3. Best Robo-Adviser: M1 Finance
Brokerage products and services are offered by M1 Finance, LLC, Member FINRA/SIPC, and a wholly-owned subsidiary of M1 Holdings, Inc. ✝Your free trial (a $30 value) begins the date you enroll in the M1 Plus subscription, and ends 3 months after (“Free Trial”). Upon the expiry of the Free Trial, your account is automatically billed a monthly subscription fee of $10 unless you elect annual billing of $95 or cancel your subscription under your Membership details in the M1 Platform
With M1 Finance, you can effectively manage your finances with ease. The app allows you to build, invest and optimize your money, giving you full control of your investments. You can borrow money at low rates without trading commissions or management fees.
M1 Finance offers an advisory service that helps you manage your portfolio based on your preferences, goals and risk profile. You can choose from more than 80 expert portfolios that cover various themes, strategies and industries. You can also customize your portfolio by adding or removing stocks and ETFs or adjusting the weights of each asset. M1 Finance will automatically rebalance your portfolio to keep it aligned with your target allocation.
M1 Finance Services
- Investment management
- Retirement investing
- Personal loans
- Margin loans
- Banking services
M1 Finance Investment Strategy
M1 creates personalized total portfolio solutions for clients based on their investment objectives and risk tolerance. These portfolios use passive strategies and modern portfolio theory to determine the ideal asset allocation for each client. M1 has identified optimal asset classes and the most efficient ETF strategies to track those classes. Clients are given a risk profile and recommended a total portfolio solution. Still, they maintain complete discretion to accept, adjust or choose a different portfolio solution with different risk/return characteristics. They can create their own self-directed portfolio using exchange-traded securities.
4. Best for Wide Range of Services: Symphony Financial
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Financial planning services
- Selection of other advisers (including private fund managers)
Address
17725 JOHN F KENNEDY BLVD. SUITE 201HOUSTON TX, 77032
Phone number
281-272-6800
Symphony Financial is a full-service wealth management and planning firm that provides a broad range of services to help you achieve your money goals. Symphony enables you to build a strategic wealth management (SWM) portfolio tailored to your investment objectives, risk tolerance, time horizon and personal preferences. The portfolio comprises stocks, bonds, mutual funds, ETFs and alternative investments. The firm also uses a dynamic asset allocation approach that adjusts the portfolio according to changing market conditions and evolving needs.
Symphony charges a percentage of the assets it manages depending on the size and complexity of your portfolio. It also sets a flat fee for financial planning services, which varies depending on the scope and duration of the engagement. If you're looking for a financial planner in Houston, Symphony Financial can provide personalized wealth management and planning services to help you achieve your financial goals.
Symphony Financial Services
- Business planning
- Retirement planning
- Trust and estate planning
- Charitable giving
- Distribution planning
- Investment consulting
- Insurance planning
Symphony Financial Investment Strategy
Symphony takes a personalized approach to investment advice, considering each client's long-term and short-term financial needs, objectives and risk tolerance. Investment recommendations are based on information provided by clients through questionnaires and personal discussions. The firm thoroughly evaluates each client's goals and objectives to design a tailored investment strategy. Continuously implementing and monitoring each aspect of the strategy, Symphony strives to achieve optimal outcomes for its clients.
5. Best for Tailor-Made Financial Plans: Linscomb & Williams
Linscomb & Williams is a top financial adviser in Houston with nearly 50 years of experience and a team of experts. It offers personalized plans tailored to clients' unique needs and goals for a one-time, all-inclusive fee of 1% for the first $2 million. The firm does not sell commissioned-based products to ensure no extra fees or commissions. Clients can contact Linscomb & Williams advisers as often as they need, free of charge.
The firm aims to improve clients' financial literacy and provide the best possible advice by using professionals with diverse backgrounds. The team communicates in simple, straightforward language and offers educational opportunities for clients and their family members to deepen their knowledge. Linscomb & Williams is affiliated with Cadence Bank, which provides a range of banking services and products for its clients.
Linscomb & Williams Services
- Wealth management
- Self-directed retirement account management
- Financial planning
- Portfolio management services
Linscomb & Williams Investment Strategy
The investment firm employs an asset allocation approach to manage portfolios for clients. The goal is to align each client portfolio with one of the firm's model portfolios. Linscomb can create separate accounts for clients with assets that meet minimum investment thresholds to execute a distinct strategy. The application of either model or separate account portfolios is based on the client's Investment Policy Statement (IPS). As portfolios are customized to achieve each client's financial objectives, there may be variances from the model portfolio composition.
6. Best Portfolio Analysis: Empower
Empower, formerly known as Personal Capital, is a digital wealth management service that helps you track and optimize your financial life. You can link all your accounts and get a complete view of your financial situation, including your net worth, cash flow, portfolio performance and retirement readiness. You can also access advanced financial planning tools and insights for free.
If you have more than $100,000 to invest, Empower can give you personalized advice and guidance from a team of fiduciary advisers who work in your best interest. Empower also offers secure data protection and privacy measures. Empower is an excellent option if you want a comprehensive and holistic view of your financial situation and a partner to help you achieve your goals.
Empower Services
- Investment, wealth management and retirement solutions
- Tax-efficient portfolio customization
- Advanced retirement planning
- Private equity access
- Financial planning tools and insights
Empower Investment Strategy
Empower creates a customized portfolio for each client based on their goals, risk tolerance and preferences. The portfolio comprises individual stocks and ETFs that are diversified across size, style and sector.
7. Best for Comprehensive Financial Planning: Sovereign Wealth Advisers
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Financial planning services
- Pension consulting services
- Educational seminars/workshops
Address
3120 SOUTHWEST FRWY SUITE 500HOUSTON TX, 77098
Phone number
713-527-3400
Sovereign Wealth Advisers offers comprehensive financial solutions for individuals, families, business owners and corporations in Houston. Its services cover financial planning, asset management, private wealth management, retirement and insurance. You can rely on its expert advice to help you achieve financial independence and security in retirement.
With a global reach and a team of renowned international advisers, Sovereign Wealth Advisers can assist you with cross-border investments and opportunities. Its excellence and service have been recognized by various publications and organizations, making it a trusted and reputable Houston financial planner.
Sovereign Wealth Advisers Services
- Financial planning
- Portfolio management
- Pension consulting
- Private wealth management
- Retirement and insurance
- Business succession planning
- Education planning
- Tax planning
Sovereign Wealth Advisers Investment Strategy
The company purchases securities for long-term, short-term and trading purposes. Shorter trading involves more risk, and the team may implement strategies that include short sales to profit from falling prices. It uses margin transactions and option writing, including covered and uncovered options and spreading strategies, to implement its strategies. The company invests clients' cash balances in low-risk, conservative options such as money market funds, FDIC Insured Certificates of Deposit, high-grade commercial paper and government-backed debt instruments.
8. Best for Full Suite of Financial Planning Services: Chilton Capital Management
Chilton Capital Management is a top-rated financial adviser in Houston that provides a full suite of financial planning services. Chilton offers wealth advisory and management services, as well as investment advice based on its own proprietary software, Wealth ePath. This software analyzes your assets, liabilities, income, expenses and savings to help you achieve your short-term and long-term goals.
Whether you want to grow your wealth, plan for retirement or protect your legacy, Chilton can help you with customized solutions. Chilton has a dedicated team of professionals who conduct rigorous fundamental analysis and portfolio management across various asset classes and sectors. It also provides educational resources and transparent communication to help you understand your financial situation and options.
Chilton Capital ManagementServices
- Wealth management
- Financial planning
- Trust company
- Institutional strategies
Chilton Capital Management Investment Strategy
Chilton's primary goal is to achieve consistent positive returns while using an investment strategy that suits the client's investment objectives and goals. These goals and objectives are outlined in the IPS for each client and are followed when making investment decisions. Chilton generally invests for long-term growth of capital and income, but short-term positions may be taken based on client objectives and unique circumstances.
Finding the Best Financial Planners in Houston, Texas
Benzinga’s selections of the best financial advisers in Houston, Texas, offer a wide range of services to help you achieve your goals, whether you're focused on risk management, retirement planning, comprehensive financial services or a personalized approach. By comparing the services and pricing structures of different advisers, you can confidently embark on your financial journey with a trusted partner.
Frequently Asked Questions
Who is the most trustworthy financial adviser?
The most reliable financial adviser varies based on individual needs and preferences. Research and compare advisers based on qualifications, experience and client reviews.
How many financial advisers are there in Houston?
The exact number of financial advisers in Houston may vary. It is advisable to consult official sources for the most accurate information.
What is the best type of financial adviser to have?
The best type of financial adviser depends on your specific financial goals and circumstances. Some popular options include certified financial planners (CFPs), registered investment advisers (RIAs) and fiduciary advisers obligated to act in your best interest. Choose an adviser who aligns with your needs and values.
Methodology
To determine the top financial advisors in Houston we vetted all SEC registered advisory firms who have an office in Houston. To winnow down the list we only included advisors who are registered fiduciaries, have no past disclosures and have minimal personal conflicts of interest. To further break down the list of the top advisors in the area, we gave weight to advisors that offer both investment management and planning, have no conflicts of interest, have offices in multiple states, a wrap-fee program and over $50 million in assets under management.
About Anna Yen
Anna Yen, CFA is a personal finance writer with over two decades of professional finance and writing experience in roles within JPMorgan and UBS derivatives, asset management, crypto, and Family Money Map. She specializes in writing about personal finance topics ranging from investments, budgeting, debt management, credit, student loans, insurance, and retirement planning to real estate and cryptocurrencies. Her work has been published on sites like Quicken, the crypto exchange Bybit, and Credit.com.