Houston Wealth Management - Totus WM

Top Houston Wealth Management Firm

Since launching in 2021, Totus Wealth Management has developed a reputation as one of the leading Houston wealth management firms by providing comprehensive, collaborative and independent advising services. The firm’s founder, president and CEO, James Starnes, brings more than a decade of wealth management experience and is both a registered Principal offering securities and advisory services through Cetera Advisors LLC and a member of FINRA and SIPC. With his leadership, Totus Wealth Management has become a firm that offers customized advice catering to the totality of each client’s financial portfolio.

Why Work with a Top Houston Wealth Management Firm?

With more than $3 billion in assets under management,* Totus Wealth Management is a different kind of wealth management firm, one focused on the totality of your financial portfolio. As an independent Houston wealth management firm, we have the flexibility to provide our clients with customized advice, and we take the time to figure out what our clients need, and what exactly they don't.

Ranked as the Fastest Growing Brand Network for Cetera in 2022, we have the connections, resources and total network to provide personalized wealth management recommendations to every client. We are backed by strong partners - including Cetera Advisors, one of the premier broker-dealers in the industry, and Pershing LLC, a subsidiary of The Bank of New York Mellon Corporation and one of the world’s leading providers of securities services - to ensure our clients have the technology and industry support they need.

Credentials and Expertise at Your Houston Wealth Management Firm

Our team and affiliated advisors are proud to possess a wide variety of credentials that elevate the level of service we offer at our Houston wealth management firm. These credentials and certifications include:

Certified Financial Planner™ (CFP®)
Certified Public Accountant (CPA)
Chartered Financial Consultant (ChFC®)
Chartered Life Underwriter (CLU®)
Chartered Retirement Planning Counselor (CRPC)
Life Underwriter Training Council Fellow (LUTCF)
Life and Annuity Certified Professional (LACP)
Certified Long-Term Care (CLTC)
Accredited Asset Management Specialist (AAMS)
Accredited Wealth Management Advisor (AWMA)
Accredited Portfolio Management Advisor (APMA)

Houston Wealth Management Services

All clients want to make smart decisions and are concerned with planning for retirement and ensuring their wealth will last. Totus Wealth Management offers comprehensive strategies to help clients live the life they can imagine, both today and tomorrow.

Financial Planning

We work with you for years through planning and goal development to develop a plan you are confident in and that allows you to stay the course to financial independence. We give people more confidence knowing we are pursuing the best course of action for their lives.

Retirement Planning

Retiring comfortably is a concern for many people. We develop unique and holistic retirement strategies then help you implement and monitor them as you transition into your retirement. Each life stage requires change and we look ahead to help you reach your goals.

Estate & Legacy Planning

Everyone has an estate of some kind and we encourage our clients to discuss building a plan to minimize taxes and ensure your wealth transfers in a way you would like. We want to help you plan for the transition of your assets and ensure minimal impact from taxes and fees.

Insurance & Protection

Insurance can be important to protect your loved ones in the event of your death, illness or disability. We offer an array of insurance products, including term life, whole life, universal life, variable life, survivorship, single premium, long-term care and disability income insurance.

Tax Strategies

Our team works with you to develop strategies that minimize your tax liabilities while aligning with your overall financial goals. We help you navigate tax regulations, optimize your returns, and implement proactive plans that keep more of your hard-earned money working for you.

Investment Management

We employ a disciplined, research-driven strategy to build and manage a diversified portfolio that seeks to maximize returns while minimizing risk. We continuously monitor and adjust your investments, ensuring they remain aligned with your objectives and market conditions.

Family Financial Planning

From family circumstance changes, like a new child or a divorce, to college planning, we help you determine the life you want to live today and tomorrow. We help determine why you want to invest, how to manage your wealth, and how to plan and save for the future you want to live.

Frequently Asked Questions from the Clients We Serve

Clients come to us with a lot of questions, and they often sound different depending on what life stage they’re in. Here are some common questions we get asked by clients in different life stages:

Starting Out

How can I prioritize and balance the competing demands on my finances, from more immediate needs to funding future goals?
How do I balance my career with raising my children?
How do I anticipate the expenses of college and save accordingly?
How can I make sure my family will be provided for in the event of my death, or if I am unable to work?
What should I be doing now to save for my ideal retirement?

Building Wealth

How can I get a handle on managing my personal finances when I’m going through unexpected challenges?
Should I prioritize paying off debt or saving for the future, and how do I know the right balance?
Can I afford to buy a bigger house? What can I expect if I downsize?
Is it better for me to buy or lease a car?
Am I on track for retiring to the lifestyle I want? What else can I do to prepare?

Nearing Retirement

How do I manage paying down my other debt while also saving for retirement?
What should my goals be for retirement savings?
Should I max out my employer matching contributions to my workplace retirement plan?
What’s an appropriate investment strategy for my current life stage?
How should I save for college education?
How can I work the care of my aging parents into my financial plans?

Living in Retirement

What should my monthly budget be, now that I’m retired?
Do I have enough money saved to maintain my lifestyle and still leave a legacy for my loved ones?
How should I make changes to my investment portfolio, and when should I make them?
What should I do with the funds in my workplace retirement accounts?
How should I take my pension distribution? How can I maximize my Social Security benefits? What do I need to know about Medicare?

Simplify Your Finances with Totus Wealth Management

If you are interested in professional, Houston-based wealth management guidance built around the totality of your financial portfolio, call the Totus Wealth Management Houston office at 832.220.3602, or request a consultation today.

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A diversified portfolio does not assure a profit or protect against loss in a declining market.