Investment Management in Houston
This page is for Houston investors who want a portfolio built around their financial plan. It brings together Post Oak’s guides on portfolio construction, investment risk, taxes, and retirement income.
Post Oak Private Wealth Advisors builds investment portfolios as an extension of each client’s financial plan. Post Oak operates under a fee-based fiduciary advisory model, with recommendations evaluated in the context of each client’s financial needs, goals, and best interests.
A Portfolio Built Around Your Financial Plan
A properly structured investment portfolio should be an extension of your financial plan, constructed and customized to factor in current and future income needs, risk tolerance, age, time-horizon and tax efficiency.
Post Oak’s investment approach emphasizes disciplined portfolio construction, diversification, tax awareness, cost control, and downside-risk management within each client’s broader financial plan. Portfolio decisions are evaluated in relation to income needs, time horizon, liquidity, and tolerance for market volatility.
See the Investment Management service overview.
Why Large Losses Matter
Large investment losses can erase years of investment progress. To recover fully from a drop in investment value requires a gain that exceeds the original loss:
- A 20% loss requires a subsequent return of 25% to fully recover.
- A 40% loss requires a subsequent return of 67% to fully recover.
- A 50% loss requires a subsequent return of 100% to fully recover.
While markets do recover over time, most people, particularly those in or near retirement, do not have the luxury of unlimited time. Read The Mathematics of Return.
Sequence of Returns Risk in Retirement
Sequence of returns risk in retirement is the danger that poor market performance in the early years of withdrawal permanently damages a portfolio in ways that later recoveries cannot fully repair.
It is substantially reduced when guaranteed income, from a pension, annuity, or Social Security, covers a meaningful portion of essential expenses. Read Sequence of Returns Risk in Retirement and Retirement Paycheck Strategy.
Taxes and Where Investments Are Held
Not all money is taxed the same. Tax diversification is a strategy that aims to reduce the concentration of investments in a single tax category, with a balance of wealth among pre-tax, after-tax, and tax-free investment accounts. Read Tax Diversification.
In retirement, the order in which accounts are drawn down affects marginal tax rates in each year, the size of Required Minimum Distributions, and Medicare premium surcharges. Read Retirement Withdrawal Sequencing and the Tax-Efficient Retirement Income Guide.
When Investment Strategy Matters Most
Investment strategy can be especially important for energy professionals approaching retirement, business owners managing liquidity events, and women navigating significant financial transitions after divorce, where portfolio risk, tax planning, income needs, and long-term wealth decisions often overlap.
Related Pages
- Retirement planning in Houston
- Choosing a wealth manager in Houston
- Financial advisor after an inheritance
- Financial advisor for widows
Who You Will Work With
Robert M. Wyrick, Jr. is Managing Director and Chief Investment Officer at Post Oak Private Wealth Advisors, a Houston-based fiduciary wealth management firm. As Chief Investment Officer, Robert guides the firm’s investment philosophy, portfolio strategy, and risk-managed approach to wealth management.
David E. Marion, CFA®, is Executive Director of Wealth Management at Post Oak Private Wealth Advisors, where he advises high net worth clients across portfolio management, investment strategy, and wealth planning. He is a native Houstonian.
Frequently Asked Questions
What is investment management?
Investment management is the process of building, monitoring, and adjusting an investment portfolio based on a client’s financial plan, income needs, risk tolerance, time horizon, tax considerations, and long-term goals.
How does Post Oak approach investment management?
Post Oak focuses on customized portfolio management that considers current and future income needs, risk tolerance, age, time horizon, tax efficiency, downside risk management, and cost control. The firm advocates low-cost participation in the market with attention to managing investment risk.
What is sequence of returns risk in retirement?
It is the danger that poor market performance in the early years of withdrawals permanently damages a retirement portfolio in ways that later recoveries cannot fully repair. See Sequence of Returns Risk in Retirement.
Schedule a Consultation
We offer a complimentary introductory conversation, with no cost and no commitment. Contact our team or call 281-580-2100.
This page is for general information and is not individualized investment, tax, or legal advice. There is no guarantee that any investment strategy or account will be profitable or will not incur loss.