Houston Retirement Planner Near Me

If you’re in need of a Houston Retirement Planner Near Me, look no further than Potter Financial. Our retirement planners will help you plan for your retirement. This can make a big difference in how you feel when that day finally comes. Unfortunately, many people are inadequately prepared for retirement. Perhaps you worry that you’re one of those people. The fact that you’re on the search for a retirement planner is a good sign; it means that you at least recognize that professional help makes a huge difference. At Potter Financial, we’ll help you make the most of your current income so that you can retire in style.

Do You Need Houston Retirement Planner Near Me?

Actually, that question was rhetorical. The fact that you need a retirement planner is essentially non-negotiable. The closer you are to your expected year of retirement, the more true this statement is. A retirement planner can do more good with the time given than you might get done on your own. At Potter Financial, we have the experience and knowledge needed to help you make sound financial decisions. The time it would take you to learn the information yourself is the time that your money could have been accruing interest, dividends, and gains. Furthermore, it’s always helpful to have a second opinion, even when it comes to your personal finances. And that second opinion should definitely come from a professional financial advisor.

Houston Retirement Planner Near Me

Houston Retirement Planner Near Me

Once you admit to the fact that you need a retirement plan, you must decide who should help you prepare. You have countless options across various mediums. Do you want an in-person planner or an online advisor? We recommend that you take advantage of the benefits of a local retirement planner. You always have the option to conduct business online or over the phone with your in-person advisor. However, a 100% online retirement planner will never afford you the opportunity to meet in person. For the utmost flexibility, you’ll find Potter Financial firm located in Houston, one of the best options for retirement planning. Additionally, our life-long ties to Houston make us the go-to firm if you want to retire from working in the area. We’re familiar with investment taxes, tax law, and living in Houston in general. We can offer more personalized advice about living and retiring in Houston than you’d get from an advisor who’s never even visited this great city.

How Does Retirement Planning Work?

Retirement planning for individuals and families works much like any other type of financial planning. However, when it comes to retirement, the focus is going to be on long-term planning. In the ideal scenario, you have at least¬†five years between today and the time you retire. We also offer comprehensive financial planning services for people who plan to retire in fewer than five years from the date of their initial consultation. However, you’ll find that your options are much more flexible if you have a bit of time between those two dates.

When planning for retirement, your best bet is usually to put your savings into a designated individual retirement account, also known as an IRA. If you have an employer-sponsored retirement account, such as a 401K, we can help you manage those funds as well. We’ll discuss the different retirement accounts below.


There are a few different IRAs available to you. Some are primarily funded by your own income, while others allow your employer to deposit funds into. At Potter Financial, we assess and manage all types of IRAs. If you don’t have one yet, you have the option of choosing between a Traditional IRA and a Roth IRA.

Potter Financial can help you retire comfortably

Save for a comfortable retirement

The Traditional IRA is typically funded with pre-tax income. As a result, you can deduct your contributions on your taxes each year. However, you’ll still pay taxes on the income when you finally withdraw from your IRA (Subject to IRA Rules).

On the other hand, the Roth IRA is funded with income that has already been taxed. You can’t deduct contributions to a Roth IRA on your annual tax return, but you don’t have to pay taxes when you withdraw, either.

Regardless of the type of IRA you open, they have similar rules. You’ll have a hefty tax-penalty if you withdraw from the account before the age of 59 1/2 or after age 701/2. However, the Roth IRA does make some exceptions. The type of account you choose will likely be based on your tax bracket or expected future tax bracket. Our retirement planners will make sure you open the most tax-efficient account for you.

How To Invest

Though risk comes along with the potential gains, investments remain one of the fastest ways to see a return on your savings. IRAs and other retirement accounts function as investment accounts, which allows you to take advantage of the long-term account. Since you can’t use your IRA as a checking or traditional savings account, the best use for that money is as some form of assessment. The retirement planners at Potter Financial can help you identify the best investments for your account. We’ll come to a decision together based on your other assets, your tolerance for risk, time until you retire, and other factors. With so many investment options, we’re sure to find a good use for your capital that you’re comfortable with.

Retirement Plan Consultants

Save for an enjoyable retirement

If you’re generally uncomfortable with the concept of investing, we recommend mutual funds. In fact, mutual funds are a great option for most people planning for retirement. That’s because mutual funds typically see a consistent increase in capital gains over time. Mutual funds are externally managed, and our account managers will also keep a watchful eye on your investment for you. When it’s time to retire, you may see an even greater return than if you would have invested in individual stocks.

Call Today for a Free Consultation!

Potter Financial is here to help you plan for retirement. Call (713) 972-1316 today to schedule your free consultation. Alternatively, fill out our online contact form, and we’ll get back to you. Even more, learn more about our retirement planning by clicking here. Our Houston Retirement Planner Near Me, coupled with our account management services, is a great way to make the most of your current savings.

Houston TX Fun Facts

  • Named after military commander Sam Houston.
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