Since 2021, Totus Wealth Management has developed a reputation as a successful wealth management firm in Houston, TX. Our firm provides comprehensive, collaborative, and independent advising services to Houston and the surrounding areas, including the Woodlands. Totus Wealth Management is a firm that offers customized advice that helps cater to each client’s financial portfolio.

The Totus team possesses in-depth knowledge of the market, investment strategies, tax planning, estate planning and risk management, ensuring we have someone who can help you make informed decisions for your unique financial circumstances. Whether you are a high-net-worth individual, an entrepreneur, or pursuing your financial goals, wealth management services are essential for those wanting to build, protect, and grow their financial assets.

An essential aspect of our wealth management process is a personalized investment strategy informed by your investment needs, time horizon, and risk tolerance. We regularly monitor and adjust the portfolio as needed to adjust to market conditions and your evolving financial goals.
Our wealth management services help you identify and manage potential risks that could impact your finances. We’ll assess your insurance coverage to ensure you are adequately protected against unexpected events, helping to safeguard your assets and protect your family's financial security during challenging times.

Beyond all of the services that we offer, we build a relationship with you. We truly care about your needs and goals and work to help you understand each step of your plan. With more than $3 billion in assets under management,* Totus Wealth Management is a different kind of wealth management firm. As an independent firm, we have the flexibility to provide you with customized advice, and we take the time to figure out what you need.

Totus was ranked as the Fastest Growing Brand Network for Cetera in 2022. We have the connections, resources and network to provide personalized wealth management recommendations. Our firm is 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.

Our wealth management process includes six steps: 1) organize; 2) prioritize; 3) analyze; 4) develop a plan; 5) implement; 6) monitor and adjust. Each step of the process has been developed over our years in the industry, allowing us to truly understand your situation and craft a comprehensive strategy to help you reach your goals.

Totus’s founder, president and CEO, James Starnes, brings more than a decade of financial planning experience to the firm. He is both a Registered Principal offering securities and advisory services through Cetera Advisors LLC and a member of FINRA and SIPC. Starnes adheres to high ethical standards, ensuring that clients' interests always come first. With his leadership, Totus Wealth Management has become a firm that offers customized advice catering to the totality of each client’s financial portfolio.

Our team here at Totus Wealth Management consists of highly qualified and experienced financial professionals. Our firm takes pride in our advisors' diverse range of credentials, setting us apart from other wealth management firms in Houston, Texas. These credentials encompass various financial designations, including Certified Financial Planners (CFPs), Chartered Financial Analysts (CFAs), and Certified Investment Management Analysts (CIMAs), among others.

The team ar Totus and our affiliated advisors are proud to possess a variety of credentials that set us apart from other wealth management firms in Houston and the surrounding areas, including the Woodlands. 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)

Clients come to us with a lot of questions, which change depending on their life stage. 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 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? 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?
    
• Pre-Retirement Planning:
  • How do I manage to pay 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?
    
• Retirement Planning:
  • 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?
    

Totus Wealth Management's success as a successful wealth management firm in Houston, Texas is a testament to our client-centric approach and process. Totus continues to be a trusted partner for individuals, families, and businesses in the Woodlands seeking to secure their financial future. Whether you live in the greater Houston area or beyond, like in the Woodlands, Totus Wealth Management offers expertise and a commitment to your financial success.

If you live in the Woodlands and want professional wealth management guidance built around the totality of your financial portfolio, you can visit our office at 701 North Post Oak Rd, Suite 320, Houston, TX 77024, call the Totus Wealth Management Houston office at 832.220.3602, or request a consultation online.