Question 1

Who does Luca Wealth work with?

Accepted Answer

We primarily serve three groups: energy-company retirees and pre-retirees (ExxonMobil, Chevron, ConocoPhillips, Shell, and other corporate plan participants); high-income households ages 55–70 approaching retirement; and business owners planning income, tax structure, and exit. We are not affiliated with or endorsed by these companies.

Question 2

How are you different from a traditional financial advisor?

Accepted Answer

Many firms manage investments in one room and leave taxes, estate, and income planning to other professionals. We deliver one integrated plan — portfolios, multi-year tax strategy, retirement income design, and risk management — coordinated in-house with the CPAs at LUCA Financial. We do not provide tax, legal or estate planning advice or documents.

Question 3

How do you charge?

Accepted Answer

We are a fee-based advisory practice. Ongoing planning and portfolio management fees are typically based on a percentage of assets under management, disclosed in writing before you engage us. Specific fee schedules are provided in our Form ADV Part 2A and in your advisory agreement. We may also earn commissions for the sale of insurance products.

Question 4

What is the account minimum?

Accepted Answer

There is no rigid account minimum, but our integrated planning is generally most valuable for households with $500,000 or more in investable assets or a retirement income need that spans multiple account types.

Question 5

Where are client assets held?

Accepted Answer

Client assets are custodied at Charles Schwab, an independent third-party custodian. We never take custody of client funds. You can view your holdings and statements at any time through your Schwab client login.

Question 6

Do you help with Roth conversions?

Accepted Answer

Yes — Roth conversion analysis is one of our core services. We model multi-year conversion sequences alongside Social Security, RMDs, IRMAA thresholds, and estate goals to determine the right amount to convert in the right years, rather than the arbitrary annual number many advisors suggest.

Question 7

I'm an ExxonMobil / Chevron / ConocoPhillips retiree — do you understand my benefits?

Accepted Answer

Yes. We work extensively with energy-company retirees on pension election (single life vs. joint survivor vs. lump sum), Restricted Stock and deferred compensation timing, savings plan rollovers, retiree medical, and the tax layering that comes with all of it. We are not affiliated with or endorsed by these companies.

Question 8

Do you coordinate with my CPA and estate attorney?

Accepted Answer

Yes. We coordinate directly with the CPAs at LUCA Financial and with your outside estate attorney so that tax filings, beneficiary designations, and trust structures actually execute the plan we build. We do not provide tax, legal or estate planning advice or services.

Question 9

What happens on the first call?

Accepted Answer

The first 30-minute call is a discovery conversation. We ask about your goals, your household, and what has and hasn't worked with prior advisors. If we're a fit, we walk you through what an initial engagement looks like. No pressure, no obligation.

Question 10

How do I schedule an introduction?

Accepted Answer

You can book a 30-minute call directly at calendly.com/jenglish-lucawealth, call the office at 281.305.8049, or send a note from the Contact page and we'll reply within one business day.

Frequently asked questions