An advisor looking over the Houston skyline at golden hour
Fee-only financial advisors · Houston

Clear advice forthe wealth you built.

Planning, investing and tax strategy for families and business owners, from advisors paid only by you. In English or Spanish.

Plan review · Q3 2026● On track
Projected retirement age58
Plan success rate94%
Tax saved this year$41K
Fiduciary at all timesFee-only, never commissionsCFP®, CPA and CFA advisorsIndependent custodyEnglish and SpanishWritten plan in eight weeks
Why Averline

We are paid only by our clients, so every recommendation answers to one person: you. No products to sell, no commissions to chase, just advice you can read and measure.

Services

One team for your plan,your portfolio and your company.

Choose one service or combine them. Every client gets a written plan, a lead advisor and a CPA behind every decision.

Families and professionals with $500K to $10M in assets

Wealth planning

A plan you can read in an evening and use for a decade: cash flow, goals, insurance, education and retirement in one document.

A written plan, renewed every yearCash flow and savings targets by monthInsurance and risk review
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Wealth planning
Clients with $750K or more to invest

Investment management

Portfolios of low-cost funds, rebalanced with rules, placed account by account to keep more of what they earn after tax.

Investment policy statementTax-aware asset locationTax-loss harvesting
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Investment management
High earners, business owners and retirees

Tax planning

We plan the year before it ends: income timing, Roth conversions, charitable giving and estimated payments, coordinated with your preparer.

Multi-year tax projectionRoth conversion analysisCharitable giving strategy
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Tax planning
People within ten years of retirement

Retirement planning

We turn savings into income that lasts, with a withdrawal order, a Social Security strategy and a plan for health costs before Medicare.

Retirement date and income analysisWithdrawal order by accountSocial Security claiming strategy
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Retirement planning
Owners planning a sale or transition in one to five years

Business exit planning

Most owners have most of their wealth in one company. We plan the sale, the taxes and the life after it, with your attorney and banker.

Readiness review and value driversSale structure and tax impactPre-sale estate and gifting moves
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Business exit planning
Companies with $3M to $40M in revenue

Fractional CFO

Forecasts, cash, pricing and board reporting led by a CFO who knows your numbers, for a fraction of a full-time salary.

13-week cash flow forecastMonthly close and KPI dashboardBudget and pricing models
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Fractional CFO
Fee-only

How you pay uschanges the advice.

Most advice is paid by commissions on products. Ours is paid by you, in dollars, written down before you sign.

Typical commission-based advice

Paid by the products they sell.

  • Fees hidden inside fund costs
  • “Suitability” standard, not fiduciary
  • Tax planning as an afterthought
  • A different contact every year
Averline

Paid only by you, in writing.

  • One transparent fee, in dollars
  • Fiduciary on every account, every call
  • A CPA reviews every plan
  • One lead advisor who knows your file
Fee calculator

Know the costbefore the first meeting.

Move the slider to see your annual fee on our blended schedule. No email required.

Portion of assetsAnnual rate
First $1M1.00%
$1M – $3M0.80%
$3M – $5M0.60%
Above $5M0.40%
Your estimated annual fee$18,000Billed quarterly in arrears, about $4,500 per quarter
Effective rate0.90%
Per month$1,500

Each portion of your assets is billed at its own rate. Planning and tax work are included. Sample schedule for this template.

How it works

From first callto a written plan in eight weeks.

See our approach
Weeks 1–2

Discover

We learn your goals, gather statements and map every account, policy and obligation.

Weeks 3–5

Plan

You receive a written plan with each recommendation, what it costs and why we make it.

Weeks 6–8

Implement

We open and move accounts, coordinate with your CPA and attorney and set up reporting.

Every year

Review

Two full reviews a year, a tax projection each fall and a call whenever life changes.

By the numbers

Seventeen years ofindependent advice.

$1.4Bassets under advice
410families and companies
96%clients who stay each year
2009independent since
Owners of four restaurants
Clients
“Daniel and Hannah prepared our sale a year before the buyer appeared. The structure alone paid for a decade of fees.”
Ricardo M. · Sold his company in 2025

Testimonials are from current clients who were not paid for them and may not be representative of other clients.

Questions

What people askbefore they call.

What does fee-only mean?

We are paid only by our clients. We do not earn commissions, sell insurance or receive payments from fund companies.

Is Averline a fiduciary?

Yes. As a registered investment adviser we act as a fiduciary at all times, which means we must put your interests first.

Is there a minimum?

Investment management starts at $750,000 in assets. Planning and fractional CFO services have no asset minimum.

Where is my money held?

Your accounts stay in your name at an independent custodian. We can manage them, but we cannot withdraw money for ourselves.

First conversation

Every plan starts withone honest conversation.

Thirty minutes, by video or at our office, in English or Spanish. No cost and no product pitch.

Choose a time this week

Tue · Oct 2710:00 am
Wed · Oct 282:30 pm
Thu · Oct 299:00 am
Request this time