RHP serves individuals, families, business owners, and executives throughout the Greater Houston region, including Clear Lake, League City, Pearland, Friendswood, and Galveston County.

Goals-based financial planning focuses on your personal priorities—such as retirement, education funding, or legacy building—rather than simply investment returns. At RHP Wealth Management, we help clients define, prioritize, and pursue their financial goals so they can live with confidence and purpose.

Goals-based investing is exactly what it sounds like: you have a goal — college, a big vacation, a wedding — and you invest with that specific goal in mind. That means you know roughly how much you'll need and when you'll need it, and your investment strategy is built around that timeline. Traditional investing, by contrast, often has an implicit goal of simply maximizing returns. That sounds appealing, but it overlooks risk tolerance and timing. Investments with the highest potential returns generally carry the highest risk — so what happens if you need to access your money right when those investments have taken a downturn? You end up selling at the worst possible time. With goals-based investing, your strategy adjusts based on when you'll need the money. A goal that's 20 years away can typically absorb more risk, while a goal that's 2 years away calls for a more conservative approach. This alignment between timeline and risk helps ensure your investments are actually working for you, not against you when it matters most.

A fiduciary financial advisor is legally required to act in the best interest of their client. This means they must prioritize your financial being over their own. While all licensed financial advisors and brokers are required to only recommend products and services that are suitable to each individual investor, only fiduciaries are additionally required by law to make recommendations that solely benefit the investor, not what might earn them the highest fee.

Yes. RHP Wealth Management is an independent fiduciary firm based in Houston.

Commission-based firms are not paid directly by the client for advice but instead receive compensation through the sales of financial products. Fee-based firms receive a mix of compensation from clients and product providers. A fee-only firm is paid exclusively by clients, either as a flat fee, an hourly rate, or a percentage of assets. Fee-only firms cannot accept commissions from product providers.

RHP Wealth Management is a fee-only firm, charged as a percentage of assets under management. Being fee-only means that we don’t receive commissions from any of the products that we recommend and offer to our clients, making our services fully transparent.

Our Houston-based team offers a full suite of financial and wealth management services, including goals-based financial planning, investment and asset management, retirement income and cash flow planning, estate and wealth transfer strategies, tax-efficient investing, and executive financial services.

While the majority of RHP Wealth Management’s clients have at least $500,000 in investable assets, we assess each family’s financial situation independently. If you are unsure if you have the minimum assets required, we encourage you to set up a fit meeting with us to discuss your situation.

The first step is a conversation. Schedule a complimentary consultation with one of our Houston financial advisors to discuss your goals and see how we can help you plan with confidence.

RHP Wealth Management designs diversified investment portfolios using equities, fixed income, and alternative investments. We monitor and rebalance portfolios to stay aligned with each client’s goals, risk tolerance, and time horizon—helping investors in Texas and beyond pursue consistent, long-term results.

The terms get used interchangeably, but there's a meaningful distinction. A financial planner typically focuses on specific pieces of your financial life — things like retirement projections, insurance needs, or a college savings plan. It's often transactional: you get a plan for a particular goal or life event, and that may be the extent of the relationship. A wealth manager takes a broader, ongoing view. Instead of addressing one piece at a time, wealth management integrates investment management, tax planning, estate planning, and financial planning into a single, coordinated strategy — and that strategy evolves with you over time as your life changes. Rather than a one-time plan, it's an ongoing relationship built around your complete financial picture. In practice, the line between the two titles isn't always strictly enforced. Some financial planners offer comprehensive services, and some wealth managers focus mainly on investments. So, it's worth asking directly what services a given advisor actually provides, rather than relying on the title alone. At RHP, we operate as a fee-only fiduciary wealth management firm, meaning we're legally obligated to act in your best interest — not just at the outset, but across the ongoing relationship. Our approach combines investment management with tax and estate planning considerations, all coordinated around your specific goals.

Yes. We specialize in retirement planning for individuals and families in Houston and beyond who want to turn savings into sustainable income. Our advisors guide you through 401(k), IRA, and SEP optimization, retirement income planning, healthcare and insurance analysis, and cash flow management.

Even if you already have a 401(k) through your employer, you could likely still benefit from having a financial advisor, for a few reasons: 1. A 401(k) helps give you the means to save for retirement, but it doesn’t help you decide how much you should be putting away each pay period. And while “as much as possible” sounds good, what does that mean for you? Your situation is unique, and you may be juggling a mortgage, car loan(s), private school or college tuition, assisting aging parents, and more. A financial advisor can help you decide a realistic amount to put away in your 401(k) that allows you to also meet your everyday spending needs. 2. An advisor can help you decide which investments to use within your 401(k) to help ensure your assets are properly diversified. Determining the appropriate investments is directly tied to your risk tolerance. An advisor can help you determine what your risk tolerance is and choose from your investment menu accordingly.

The hardest part of estate planning isn't death — it's everything that comes before it. If you become incapacitated due to illness, dementia, a stroke, or an accident, you need someone in place who has the legal authority to pay your bills, access your accounts, make medical decisions, and ensure you're getting the care you want. A complete estate plan addresses incapacity with the key documents you need beyond just your will. 

Absolutely. RHP Wealth Management develops proactive tax strategies for clients to help minimize liabilities and improve after-tax returns. We focus on tax-loss harvesting, charitable giving, income deferral, and portfolio rebalancing to support your broader financial plan.

At RHP, we work with business owners at many stages of their financial lives. One of the most consistent patterns we see: owners who come to us shortly before they want to exit, when much of the planning opportunity has already passed. The decisions made in the two to three years before a liquidity event — whether that is a sale, a merger, a transition to a family member, or another form of exit — can have an outsized impact on the financial outcome. Tax strategy, business structure, personal wealth positioning, and the timing of income events all matter. And many of those levers can only be pulled effectively when there is still time to implement them.