If you’re approaching retirement, you’ll soon be making some complex financial decisions. One of the most significant decisions is how to take distributions of the funds you’ve accumulated.

Our Retirement Planning process is centered around the meticulous analysis of an individual’s retirement asset components, such as a company pension, 401(k) savings plan, company stock options, concentrated stock positions and after-tax savings; to create a plan of action that recommends exactly what steps to take, and when to take them.

You will likely have to make decisions on your retirement distribution before you leave your company, and it’s important that you make the right decision based on the specifics of your retirement plan and your personal circumstances. Otherwise, you risk paying excessive taxes and penalties.

The financial lives of Individuals and Families have grown increasingly complicated. The combinations of pre-tax and after-tax savings, pension choices, company stock, etc., have served our clients well in terms of providing valuable resources for retirement. However, knowing how and when to draw on which assets, and in the most tax-efficient manner is a critical and often overlooked step in the planning process. This is one of our areas of specialization.

The purpose of our innovative Cash Flow and Tax Design is to create an income plan that minimizes taxes, maximizes income and eliminates unnecessary risk. Americans are living longer, often making it necessary to plan for 20-30 years of life beyond working. A lot can happen in that amount of time, so it’s important to prepare for any and all scenarios by factoring in areas such as:

• Current and projected Expenses
• Social Security
• Medicare
• Relocation plans
• Health Care Costs
• Income taxes
• Investment Strategies
• Inflation
• Current holdings such as real estate
• Major Life events such as marriage and divorce
• Charitable Giving

It’s not about what you make, it’s about what you keep, and taxes can take a big bite out of your total wealth if left unmanaged. Our approach to taxes is three-fold: tax planning, tax management, and tax preparation. Tax planning is the blueprint to how we save you money on taxes. From there, the next step in building a proactive tax strategy and overseeing your taxes throughout the entire year to reduce your current and lifetime liability. Our associated CPAs prepare your taxes, so you don't have to navigate complex tax law. Our experts take care of it for you. Alternatively, we coordinate with your current tax preparer to make sure your proactive tax planning strategies are properly accounted for in your tax filing.

A properly structured investment portfolio should be an extension of your financial plan, constructed and customized to factor in current and future income needs, risk tolerance, age, time-horizon and tax efficiency.

Every decision we make has at its very core the best interest of our clients and helps you set-up a short and long term strategy that empowers you to achieve your financial goals.  We advocate low cost participation in the market, with a keen eye on risk management.  

The principals at Post Oak have devoted considerable time and resources during the last 30 years towards developing innovative portfolio management solutions that provide investment returns in up markets and protection in down market environments.  We believe the most important factors in determining long-term investment success are the management of downside risk and controlling costs.

You want your loved ones to be protected if you become incapacitated or pass away unexpectedly. Legacy planning services allow you to prepare for the worst-case scenarios, ensuring your assets are preserved, managed, and distributed according to your wishes. 

Preserving your legacy and efficiently passing on your wealth to your loved ones or charity choose is a top priority, especially for those with considerable wealth. This involves organizing and managing your assets to ensure their most tax-efficient transfer to your beneficiaries after your death. We believe estate planning exists to answer three simple questions upon our passing: Where does our money go, who is in charge and what are the rules? Our team works with top estate planning attorneys to help create wills, trusts, and other documents to protect your assets, minimize taxes, and ensure your wishes are carried out.

Registered Investment Advisor (RIA)

Our independence means your interests are placed above all else. RIA firms are registered with the Securities and Exchange Commission and are subject to the Investment Advisers Act of 1940, making RIAs some of the most highly regulated entities in the financial industry.

RIAs have a fiduciary duty to act in the best interest of their clients and use institutional custodians (like Charles Schwab) to hold and safeguard their clients’ investments. RIAs work with complex portfolios and address unique needs that require a highly customized level of investment expertise.

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Unfortunately, not everyone providing financial advice is held to the same standard.  

An investment adviser’s fiduciary duty under the Advisers Act comprises a duty of care and a duty of loyalty. This fiduciary duty requires an adviser “to adopt the [client's] goals, objectives, or ends.”

This means the adviser must, at all times, serve the best interest of its client and not subordinate its client’s interest to its own.

In other words, the investment adviser cannot place its own interests ahead of the interests of its client. This combination of care and loyalty obligations has been characterized as requiring the investment adviser to act in the “best interest” of its client at all times.

- U.S. Securities & Exchange Commission (SEC)

Commission Interpretation Regarding Standard of Conduct for Investment Advisers

When you call or meet with Post Oak Private Wealth Advisors, first you will notice that you are treated with respect, courtesy and responsiveness. We are rated as one of the nation’s premiere wealth management firms for many reasons, not the least of which is how we treat our clients. The advice we give you is the same we give our family members or take ourselves for our own wealth management.

We use the words “transparency, simplicity and value” because they’re words we believe in. We deliver to you the highest level of expertise wrapped in an easy-to-work-with package.

We stay in touch. We call you. We respond to you quickly. We exist to serve you—and share our passion for wealth management and the exclusive methodologies we’ve developed and refined.

In an environment that is increasingly more fragmented and impersonal, our mission is to deliver extremely personal and distinctive services. We are here for you, your children, your parents and your extended family members. You deserve our full attention, and we work alongside you throughout the years. 

Families & Individuals

Life can be complex.  No two situations are ever the same.  

That’s why we develop tailored, comprehensive planning and investment solutions to help our clients work towards their financial goals. 

Our process begins with a holistic planning approach to create financial freedom.

How We Can Help

Helping You Achieve Financial Peace of Mind

• How should I invest?

• Am I doing all I can? Can I save more tax-efficiently?

• How does inflation affect my financial plan?

• We will continually work with you, so that your path is understandable and achievable.

• Your plan will likely change—evolve with the times. If tax planning becomes more important or budgeting and income planning rise to the top, we will be there to guide you along the way.

Multi-Generational Planning

• Strategies to minimize estate taxes are easier with the new tax law changes, however the estate tax exemption limit will be reduced in 2025 unless Congress elects to extend.

Asset Protection

• Safeguarding assets from liabilities and marital events can be critical for affluent families and individuals. Inheritances can be lost or eroded due to a lack of planning and protections.

Energy Sector Employees

How We Help Energy Sector Employees

We specialize in all aspects of retirement benefits planning and offer a tailored approach to help you achieve financial peace of mind.

• Pension Payout Analysis (Annuity vs. Lump Sum, Survivor Benefits, Timing)

• Specialized NUA Analysis

• Supplemental Incentives Analysis

• Executive Benefit Plan Analysis

• Roth Conversion Analysis

• Cash Flow Planning & Tax-Efficient Strategies

• In-House Tax Management

• Social Security Maximization

• Estate Planning & Multi-Generational Planning

• Health Insurance & Medicare Guidance

• Long-Term Care Insurance Options & Analysis

Women

Working with women has always been a cornerstone of our practice.  Our founder grew up in a single family household and experienced firsthand many of the planning challenges specific to women, such as 

Financial challenges that can be specific to women:

Longer Life Expectancies than men

• At 65, women can expect to live another 20.8 years, compared with 18.2 years for a man

A higher likelihood of of living on your own whether it be through:

• death of your spouse 

• divorce 

• choosing to remain single

More likely to take career breaks for caregiving, resulting in:

• Lost Income and employer benefits

• Potentially lower social security benefits

• Economic vulnerability in the event of divorce of spouse’s job loss

Unfortunately, women still often earn less

• Women who work full-time earn, on average about 82% of what men earn

• This impacts savings and social security benefits

• Increased vulnerability to unexpected obstacles such as job loss, divorce, single parenthood, illness and loss of a spouse

How We Can Help

We have many years of experience in assisting  women clients through all of the particulars of their individual financial planning and investment management by focusing on:

• Savings and Investment

• Debt Management

• Specialized Retirement Planning

• Protection

• Family Support (education funding or parental support)

• Estate Planning

Business Owners & Physicians

We assist many of our clients with small business retirement plans, succession planning, and transitioning ownership of businesses to sellers or family members. Planning is essential for this type of event – both pre-sale and post-sale.

How We Can Help

• Planning for Variable Cash Flows

• Establishing & Managing a Solo-401(k), SEP IRA, SIMPLE IRA, or other small business retirement plan

• Custom-Tailored Investment Strategies

• Risk Management & Insurance Coverage Guidance

• Comprehensive Tax Planning

• Strategies for ESOPs, Qualified Small Business Stock, and other tax-efficient plans