Start with goals, time horizons, and cash flow. Translate each goal into a target amount and date, then map investment risk and liquidity accordingly.
Use diversified building blocks and keep costs visible.
Create an investment management in Houston policy with rebalancing rules and guardrails for savings and withdrawals. Coordinate taxes, accounts, and estate documents so the plan operates smoothly. Review annually to adjust contributions, allocations, and contingencies. Discipline and clarity are the edge.
