Financial decisions do not happen in isolation.

Most people reach out when their financial life becomes more complex than their time or expertise allows. Common moments include a significant income increase, receiving equity compensation or executive awards, preparing for retirement in the next five to ten years, managing multiple investment accounts that have no clear coordinating strategy, navigating a major career or life transition, or feeling financially successful but uncertain about the next right step. Financial planning helps organize these moving parts so decisions feel intentional rather than reactive.

Financial advisors help people navigate real decisions that affect both their lives and their long-term financial security. These include: when you can realistically retire and what income you will need, how much you can spend while maintaining long-term security, how to manage executive compensation, RSUs, bonuses, and deferred comp in a tax-aware way, how to structure retirement distribution strategy and withdrawal sequencing, how to evaluate a major lifestyle change, how to support aging parents or help adult children without derailing your own plan, how to evaluate early retirement or a career change, how to coordinate investments and tax-aware strategy across accounts, and how to plan for business succession or a liquidity event.

Both fee structures can provide valuable financial advice, but they calculate the cost differently. Percentage-based advisors charge a fee tied to the value of the assets they manage typically around 1% annually. Flat-fee financial advisors charge a transparent planning fee that is not a percentage tied to portfolio growth. Some clients prefer a flat-fee model because the cost of advice does not automatically increase as their portfolio grows. At Concurrent Wealth Management, the flat fee covers all-inclusive comprehensive financial planning with integrated investment management both services, fully coordinated, under one transparent fee.

A financial plan is working when you can see meaningful and measurable progress toward the life and financial goals you have identified. Over time, clients often notice that their finances shift from confusion and fragmentation to clarity, coordinated action, and intentional living supporting the lifestyle they want today and the retirement they want later. You begin to feel less stuck, more confident in your decisions, and more certain about how your current financial choices connect to your long-term goals. For many people, the biggest signals that a plan is working are greater clarity, reduced financial stress, and the confidence to move forward with important life decisions.

Investment management is the construction and ongoing management of a portfolio selecting investments, implementing tax-aware strategy, rebalancing, managing risk. Financial planning is the broader process of coordinating all financial decisions across retirement, tax-aware investing, estate planning, insurance, cash flow, and major life transitions. Concurrent Wealth Management delivers both through one integrated relationship under one flat fee, so your investment portfolio is built and managed as part of your complete financial plan, not as a standalone product.

No. While Concurrent Wealth Management has deep experience working with oil and gas executives and professionals and understands the specific complexity of deferred compensation, RSU and PSU planning, concentrated energy sector positions, and retirement transitions from energy careers, we work with high-income professionals, executives, business owners, and families nationwide.

Concurrent Wealth Management works primarily virtually with clients nationwide. The planning relationship is fully functional remotely, most clients find virtual meetings more efficient and easier to fit into demanding schedules. Legacy relationships include one optional in-person strategic planning meeting annually. Private Client relationships include up to two.