One integrated plan
for wealth, taxes,
and life.
Wealth management, tax strategy, and life planning built as a single system — for energy company retirees, high-income families, and business owners across Katy, West Houston, and Texas.
A coordinated practice, not a menu of products.
Every recommendation is stress-tested against your income plan, your tax picture, and the life you're building — so nothing works against itself.
Investment Management
Goal-based portfolios engineered to support your income plan — not fight it.
- Defensive risk layers
- Tax-efficient allocation
- Roth / IRA / taxable coordination
Retirement Planning
How to help turn savings into a reliable, tax-efficient income designed to last through your life.
- Bucket strategies
- Pension & Social Security timing
- Guaranteed income options
Tax Planning
Strategies built into your retirement plan through our partnership with LUCA Financial.
- Roth conversion analysis
- RMD projections
- Capital gains & charitable strategies
Protection Strategies
Identify, assess, and help mitigate the risks that can quietly erode a lifetime of work.
- Insurance review
- Long-term care planning
- Estate coordination
Five steps to help take you
from uncertainty to clarity.
- 01
Discovery & Assessment
We map your full picture — income, assets, obligations, and the life you want to protect.
- 02
Income & Tax Modeling
Multi-year projections stress-tested against markets, taxes, and longevity.
- 03
Portfolio Alignment
Your investments are rebuilt to help serve the plan, not the other way around.
- 04
Implementation*
We coordinate custodians, CPAs, and estate counsel so nothing slips between advisors.
- 05
Ongoing Guidance
Quarterly reviews, tax-year checkpoints, and a call the moment life changes.
* We do not provide tax, legal or estate planning advice, which must be conducted by qualified tax and legal advisors only.
Jonathan English
For more than twenty years, Jonathan has helped families retire with confidence — translating complexity into calm, deliberate decisions.
As an independent investment advisor specializing in tax-integrated retirement planning, he works hand-in-hand with the CPAs at LUCA Financial so that portfolios, tax strategy, and estate plans move as one.
"A good plan doesn't just grow your money. It gives you back the mental space to enjoy the life it's for."
Ready to retire with clarity and confidence?
A 30-minute conversation is the fastest way to see whether an integrated plan could change what your retirement looks like.