Financial Planning
Financial Planning for Texans at Every Stage
Build a Financial Plan That Works for You
Serving individuals, families, and public employees across Texas
At Dearborn & Creggs, we help Texans create smart, personalized financial plans—whether you’re just starting out or preparing for retirement. Our advisors work with families, educators, and professionals across the state to help simplify complex decisions, avoid costly mistakes, and set clear goals for the future. With over 30 years of experience guiding clients from Sugar Land to San Antonio and beyond, we understand what it takes to create a plan that lasts.
Comprehensive Planning Backed by Experience
Smart strategies for saving, spending, and growing
Budgeting & Cash Flow Planning
We help you build a clear plan for saving, spending, and staying in control of your money.
Education Savings (529 Plans & More)
Whether it’s college in Austin or a trade school in Dallas, we’ll help you save efficiently and on your terms.
Custom Financial Roadmaps
Your plan is built around your goals, lifestyle, and future—no cookie-cutter templates.
Life Insurance & Protection Planning
Ensure your loved ones and legacy are protected with coverage that fits your real-life needs.
Inflation-Adjusted Strategies
Prepare for the future with a plan that accounts for rising costs across Texas and beyond.
Tax-Efficient Saving & Investing
Reduce tax impact through smart account selection, withdrawals, and contribution strategies.
Planning Ahead Gives You Confidence
No state income tax—but still plenty to consider
Texas may not have an income tax, but managing your money here still requires smart planning. From rising housing costs to funding retirement without a pension, there are challenges that demand thoughtful, local advice. A financial plan helps you stay ahead of inflation, navigate transitions, and make the most of every dollar. Whether you’re in Houston, El Paso, or Amarillo, we’ll guide you through every stage with clarity and care.
Texas Financial Planning FAQs
What Texans want to know most
Is financial planning different in Texas?
Yes—Texas has no state income tax, which impacts your savings, retirement, and estate planning strategies. At the same time, housing and healthcare costs vary widely across the state. Our team understands these local dynamics and helps clients create realistic, regionally-aware plans. Whether you’re in Dallas, Houston, or the Hill Country, we’ll help you plan with your environment in mind.
How much does financial planning cost in Texas?
Costs vary depending on the complexity of your plan and how you choose to work with an advisor. At Dearborn & Creggs, we offer a complimentary consultation to assess your needs, and then provide a transparent overview of services and pricing. We believe planning should feel accessible and worthwhile at every income level. Many of our clients are everyday families who just want to feel confident about their financial decisions.
Do you work with Texas teachers and TRS members?
Absolutely. We specialize in working with educators throughout Texas, including those in the Teacher Retirement System (TRS). Our advisors can help you understand your pension benefits, coordinate them with other accounts, and create a retirement income plan that fits your goals. Whether you’re early in your teaching career or preparing to retire, we’re here to support you.
What if I already have retirement savings—do I still need a plan?
Yes. Saving is just the first step; knowing how and when to use those savings is just as important. We help Texans create drawdown strategies, minimize taxes, and align retirement income with their long-term vision. Even small changes in timing or strategy can lead to big improvements in results.
Can I meet with you remotely if I don’t live near Sugar Land?
Yes! We work with clients across Texas via phone or video meetings. Whether you’re in Austin, McAllen, or West Texas, you’ll receive the same personalized guidance and long-term support. Our tools make it easy to plan with us—wherever you call home.
