Personal Finance
Explore ways to grow, change, and make a difference.
Creating a community of financially savvy change-makers by fostering exceptional Stewardship, Education, and Agency.
Financial Plans & Services
FinPlan Subscription-based Services
We offer two annual membership subscriptions tailored to meet the needs of individuals and families: FinPlan Basic for those not yet ready to start investing, and FinPlan Plus, which includes both financial planning and basic investing strategies.
Whether you're starting over or starting from scratch, our FinPlans will help you take steps to change your legacy and reach your goals. Select your plan and get started today.
FinPlan Basic
Basic Financial Planning
Best for clients new to managing their money, with no income minimum or limit, includes automatic monthly subscription payments, and all standard financial planning services.
FinPlan Plus
Comprehensive Financial Planning
Best for financial planning clients who are ready to begin exploring basic investment opportunities (i.e., retirement and education planning); with upgraded financial planning services, access to investment advisor, select no-load, no-fee mutual funds, and more.
Investment Planning & Advisement
FinVest Personal Investment Accounts
We offer three levels of personal investment accounts designed to meet our investing clients' needs at every stage: FinVest Basic for those embarking on their investing journey for the first time; FinVest Plus for clients in the wealth-building stage; and FinVest Premium for seasoned investors wanting to maximize the efficiency of their portfolio's investment strategies.
All three levels of our FinVest program include flat fees for financial planning and consulting services, providing you with added convenience.
Explore your options and find the FinVest account that's right for you.
FinVest Basic
Self-Directed Investing
Best for the new investor, with no setup fees, no account minimums, and flat fees for a la carte financial planning and consulting services.
FinVest Plus
Investment Advisory Account
Best for clients with minimum investable assets of $50,000+, with asset based pricing, professional portfolio advisement, and flat fees for a la carte financial planning and consulting services.
FinVest Premium
Managed Investment Accounts & Portfolios
Best for experienced investors and clients with minimum investable assets of $250,000+; with asset based pricing, professional portfolio management, and an expanded range of assets and strategies.
Family Finances
Step 1: The Family Budget
Using a budget can help your family stay on track financially, save for emergencies, and prepare for future expenses. We'll work with you to understand your unique needs to develop a plan to make the most of your finances.
2: Getting Out From Under (or Avoiding) "Bad Debt"
Debt is not always a bad thing; in fact, it can be a great tool. But sometimes life happens, and before we know it, we're struggling to manage our debt load. Let's talk about ways to handle your debt load before it becomes problematic.
3: Planned Savings
Several life events require saving and future-planning: retirement, education, emergencies, long-term care, and large purchases, to name some of the most common. After the family budget is established and debt concerns are addressed, it's time to dive into planning and saving for your family's Big Plans and emergent needs. We'll help you write the plans and establish the accounts to help you get there.
4: Building Wealth
Wealth building takes time, effort, and dedication, but getting started is the most important step. We save wealth building for step four, because it's important to ensure financial stability for you and your family before venturing into the world of investing for wealth building.
Feel like you're ready to dive in? Let's start the conversation.
5. Legacy Planning
While not the final stop on your journey, legacy planning is the culmination of exceptional financial planning and stewardship. When you've conquered those first 3 most important steps for family finances, and you're seeing your wealth grow through appropriate investments and smart financial decisions, it's time to think about the legacy you want to pass on to your family and your community. This is a fun place to be, and we are so grateful to partner with you in designing and executing your legacy plans.
Changing Advisors & Transferring Accounts
When it's time to make a change
Change happens. When your needs change, your plans change. Your service providers should be willing and able to accommodate your evolution. Sometimes that's not the case.
But change can feel difficult and overwhelming, and may seem like it's not worth the effort. So, when should you consider switching to a new provider, regardless of the industry?
Here's a list of signs that it's time for a change.
1. Poor communication/ frequent miscommunication
2. Decisions that don't match your goals/ conflict of interest
3. Personality or business culture conflict
4. Underperformance
5. Overcharging
6. Legal or ethical concerns
7. Outgrowing the provider's scope or capability
8. Mismatched business alignment/ wrong type of provider
9. Moving from DIY to a professional service/ outsourcing as you grow
10. Moving from an "inherited" provider to one of your own choosing
Whether you're ready to start the transition or you simply have questions about how it works, we're happy to consult with you on a decision that can make all the difference in the world, and is totally worth the effort.
Don't wait. It's time for a change.
832-738-7596
Transferring your existing accounts to Harris Financial Consulting is simple.
Why Harris Financial Consulting?
We are a fee-only, fiduciary Registered Investment Advisor (RIA), so you can be confident in our professional integrity and our commitment to your success.
Financial Consulting
Expertise. Guidance. Professionalism.
We're here to help you get the job done quickly and efficiently.
Open a Corporate or Accredited Investor Account
For Businesses, Nonprofit Organizations, and Accredited Investors with $250,000+ in investable assets.
Not ready for a corporate/ accredited account? Other options are available.
Drafting Your Investment Policy Statement (IPS)
Find out how we design the IPS, and why every investor needs to have one.
Funding Philanthropy
Provide financial support for existing organizations, or establish your own.
Did you know?
Approximately 75% of small to mid-sized businesses in the US participate in charitable giving, and 65% of large companies offer matching gift programs when their employees donate to charities.
Exit Planning Strategies & Analysis
Client Transfers, Transitional Partnerships, and Direct Buy-Outs
Did you know?
Approximately 73% of financial advisors in the US do not have a succession plan, including those who are planning to retire as advisors, and those who are changing careers or leaving the industry.