Guiding Wealth

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Guiding Wealth Financial planning for YOUR life. Ongoing advice & planning, or one-time financial plans available. Our services and our style are tailored to you.

We specialize in financial planning, wealth management in times of transition, and continued asset guidance.

Some financial decisions get harder the longer they wait, and they usually start small.It might be a stock position that...
10/21/2026

Some financial decisions get harder the longer they wait, and they usually start small.

It might be a stock position that made sense when it was a modest part of your portfolio, a beneficiary designation that was accurate when you first filled it out, or a savings rate that fit your life a few raises ago. Each of these choices fit an earlier chapter, and over time life kept moving.

That's why an adjustment that would have taken one conversation two years ago can take more planning today. More has simply built up around it.

This is a big part of why we believe planning works best as an ongoing relationship. When someone is paying attention between annual reviews, small adjustments have a better chance of staying small.

Is there a part of your financial life that was set up for an earlier chapter? We'd be glad to help you take a fresh look.

At the start of the year, you had a good grasp on your financial plan or the goals you set for the year. You knew what y...
10/14/2026

At the start of the year, you had a good grasp on your financial plan or the goals you set for the year. You knew what you needed and you had everything in place.

And then life happened!

You got a job offer you weren't expecting, or your parent needed help so you had to take a leave of absence. A market shift made you nervous, or you got a bonus you weren't sure what to do with.

Whatever happened, there was probably a moment where you weren't sure whether to call your planner or if it could wait until you sat down to look at the next year's plan.

Here's the thing: the moments that matter most financially almost never arrive on a schedule. They arrive in the middle of an ordinary Tuesday. The people who navigate them well aren't the ones who wait. They're simply the ones who have someone to call.

On the blog this week, we're talking about the financial decisions that shouldn't wait for your annual review, and what it actually looks like to have a planning relationship that's built for real life, not just a calendar event.

Read all about it at guidingwealth.com/blog

It's open enrollment season... which means most corporate employees are about to spend less than 1 hour making benefits ...
10/07/2026

It's open enrollment season... which means most corporate employees are about to spend less than 1 hour making benefits decisions that will affect their finances for the next 12 months.

Unfortunately, 46% of employees receive no guidance at all during their most recent benefits enrollment, and 32% say they would have made different choices if they'd had meaningful guidance at the time (Source: Savvi Financial).

These aren't small decisions. Health insurance plan selection affects how much you actually pay out of pocket (not just your monthly premium). FSA and HSA elections require you to predict your healthcare spending for the year. Life insurance and disability coverage choices determine what your family can sustain if something happens to you.

And yet most people click through the same elections they made last year, hope it still makes sense, and move on. You're very busy, so we get it!

But here's what a financial planner would tell you to think about before you finalize your elections:

1️⃣ Has anything changed this year, like a new health condition, a marriage, a divorce, a baby, or a pay increase? Any of these changes what the right plan looks like.

2️⃣ Are you leaving HSA contributions on the table? If you're enrolled in a high-deductible health plan, your HSA might be a tax-advantaged account available to you!

3️⃣ Do you actually have enough life and disability coverage? Employer-provided coverage is rarely enough on its own, and most people never check until something happens.

Open enrollment is one of the few moments in the year when your benefits are actually changeable. It's worth more than an hour. We hope these tips help!

If you're in your 50s or beyond, we'd love to hear from you.Looking back at your 30s and 40s (the years of building, jug...
09/30/2026

If you're in your 50s or beyond, we'd love to hear from you.

Looking back at your 30s and 40s (the years of building, juggling, figuring it out as you went), what's one thing you wish you had known about money?

Maybe it's something you learned the hard way, or advice you received that would've been helpful had you received it earlier. Maybe it's something you did right that you didn't even realize at the time was right!

We ask because the people reading this who are in their 30s and 40s right now are navigating the same season you were in. Let's share the wealth!

Drop your "I wish I knew" reflections in the comments. 👇

If you're in your 40s or 50s, there's a good chance you're already feeling it...You're supporting kids, helping your par...
09/23/2026

If you're in your 40s or 50s, there's a good chance you're already feeling it...

You're supporting kids, helping your parents, trying to have a social life and relationships, all while trying to protect your own retirement somewhere in the middle.

75% of people in this age group are also still helping adult children with their finances, and 69% of people in this season of life say caring for aging parents is stretching their finances.

If you're helping your children AND thinking about what your parents will need in the near future, you're not alone.

Many jump into helping their parent(s) without knowing what agreements should be in place, or how to decide how much help is actually sustainable.

We wrote a blog all about how to prepare for and think about supporting your aging parents. Because we know they're not the only ones you're helping!

guidingwealth.com/blog

74% of Americans have at least one financial regret.The top one (by a wide margin) is not saving for retirement early en...
09/16/2026

74% of Americans have at least one financial regret.

The top one (by a wide margin) is not saving for retirement early enough. Second is carrying too much credit card debt. Third is not having enough set aside for emergencies.

According to Bankrate's 2025 Financial Regrets Survey, Gen Xers are the most likely of any generation to have a financial regret (83%). The percentage of people who carry this retirement savings regret grows with age — which means the longer it goes unaddressed, the heavier it tends to feel.

Here's the thing about financial regrets: almost none of them are surprising in hindsight. Most people could see them coming. The gap isn't knowledge... it's having a clear plan and someone to help you act on it.

The good news is that every single one of the top regrets is addressable before it becomes permanent.

💰 Not saving early enough for retirement: that window is still open, and contributions made in your 40s and 50s still have meaningful time to grow.

💳 Too much credit card debt: there are strategies to tackle it systematically without derailing everything else.

🏥 Not enough in emergency savings: even small, consistent progress builds a cushion that changes how the rest of your financial life feels.

You don't have to fix everything at once. You just have to start, ideally with someone who can help you figure out where starting will make the biggest difference for your specific situation.

That's exactly the kind of conversation we have with clients at Guiding Wealth. If you'd like to talk to someone who can help you take action toward a stronger financial future, contact us today!

guidingwealth.com/contact

(Source: Bankrate Financial Regrets Survey, August 2025)

What does a good life actually look like for you?It's a question we believe should come before questions about retiremen...
09/09/2026

What does a good life actually look like for you?

It's a question we believe should come before questions about retirement dates, investments, or savings goals.

At Guiding Wealth, we use a financial values exercise to help clients step back and look at the areas that matter most, from family and relationships to health, career, personal growth, and more.

The goal isn't to create a perfectly balanced life. It's to understand whether your time, energy, and money are supporting the life you actually want.

Our latest blog explores how this exercise can bring a different kind of clarity to your financial plan, and why we believe your plan should start with you, not just the numbers.

Read the full blog at guidingwealth.com/blog

September is a great time to pause, regroup, and check in on your financial life before the year comes to a close (and w...
09/02/2026

September is a great time to pause, regroup, and check in on your financial life before the year comes to a close (and we all get busy with the holidays!).

From beneficiaries and savings progress to insurance, workplace benefits, and year-end planning, a few thoughtful reviews now can help you feel more prepared for the months ahead.

Our blog walks through the key areas worth revisiting during your September financial check-up.

Read the full blog at guidingwealth.com/blog

More women are taking an active role in their financial lives than ever before, and we are excited to see it! Of course,...
08/26/2026

More women are taking an active role in their financial lives than ever before, and we are excited to see it! Of course, that doesn't mean you have to navigate your finances alone.

If you're a woman looking for financial planning help, you might be wondering who the right fit is.

The right financial planning relationship should leave you feeling informed, supported, and confident in the decisions ahead. It should make space for your questions, reflect your values, and help you build a plan that fits your life.

In our latest blog, we share what to look for in a financial planner, questions worth asking, and how to recognize when you've found the right fit.

Read the full blog at guidingwealth.com/blog

Over the next two decades, an estimated $54 trillion is expected to transfer to surviving spouses, and more than 95% of ...
08/19/2026

Over the next two decades, an estimated $54 trillion is expected to transfer to surviving spouses, and more than 95% of those assets are projected to go to women.

For many women, there may come a time when they are making financial decisions on their own for the first time. Building financial confidence before that transition occurs can help create greater clarity and preparedness for whatever the future holds.

At Guiding Wealth, we believe every woman deserves to feel informed, supported, and engaged in her financial life.

Address

2007 N. Collins Boulevard , Suite 503
Richardson, TX
75080

Opening Hours

Monday 9am - 4:30pm
Tuesday 9am - 4:30pm
Wednesday 9am - 4:30pm
Thursday 9am - 4:30pm
Friday 9am - 4:30pm

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