Winstone Wealth Partners

Wealth Management in Houston, TX

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The Growth Bucket

Long-Term Investments

Complementing the Income Bucket is the Growth Bucket, which aims to capitalize on long-term appreciation opportunities to help you achieve your wealth goals. This component of our strategy involves investing in assets with the potential for significant capital appreciation over time.

We engage in a tactical asset allocation process where we identify, through technical analysis, whether we believe the broad trend of the market is up or down. When we believe it’s up, we then seek to identify those sectors leading the market higher and seek to buy the strongest stocks within those sectors.

Our investing methodology is a system of sector rotation, based on relative strength.  We believe, when executed properly, this tactical process has the ability to perform better than modern portfolio theory’s “buy and hold” approach, or as we call it, the “sit and take it” approach. We prefer to proactively allocate funds to our perceived stronger asset classes and strive to minimize losses from what we believe to be weaker asset classes.

We don’t use a one-size-fits-all approach; we finely tune your investment strategies to your individual needs, helping you navigate market fluctuations with confidence and clarity. As market conditions change, we change with it. Through ongoing monitoring and periodic rebalancing, we ensure that your investment strategy remains aligned with your objectives and risk tolerance, adapting to changing market conditions and economic environments.

The Income Bucket

Readily Available Funds & Short-Term Investments

The first pillar of our investment strategy is the Income Bucket. This component focuses on generating reliable cash flow and preserving capital, providing a stable foundation for feeling secure in your finances.

The purpose of the Income Bucket is to help ensure that our clients who need cashflow have sufficient funds in conservative allocations to meet those demands.

Within the Income Bucket, we carefully select investments that offer consistent dividends that aren’t typically impacted by big fluctuations in the market. These may include high-quality dividend-paying stocks, bonds, real estate investment trusts (REITs) and other income-generating assets.

By emphasizing generally reliable income-producing investments, we aim to provide you with a steady stream of cash flow to meet your short-term needs while also safeguarding your principal investment.

Doctors have a saying they live by: “First, do no harm.” And we take the same approach with our clients’ assets.

The last thing we would ever want to do is lose any of our clients’ hard-earned money. The goal of the Income Bucket supports that endeavor. Its intent is not necessarily to make you a ton of new money – it’s to preserve the money you have as you live your life.

Introductory Call

We make sure we’re a good fit for you.

Think of this introductory call as a get-to-know-you conversation between you and the Winstone team. It's an opportunity for both of us to explore whether we’re a good match to work together.

We will ask questions to learn about your financial goals and concerns which will help lay the groundwork for our advisors to tailor our expertise to your specific needs. We will share insights into our holistic approach and discuss how our tailored strategies can support your vision for the future.

Ultimately, this call is the first step in empowering you to make an informed decision about whether partnering with Winstone is the right next step for you in your financial life – and we hope it will be.

Discovery Meeting

We get to know you better.

You are more than just a number to us; we are genuinely interested in getting to know you on a more personal level so that we continue to tailor our recommendations for you throughout our partnership together. Not only will that help us develop a more tailored strategy for you, but getting to know the clients whom we hope to serve for decades to come makes our job more meaningful and fun, too.

With that in mind, we spend this 60-minute Discovery Meeting learning more about you, your values and your goals through an interactive Mind Map exercise.

Mind Mapping a visual technique that helps us explore and organize your entire life, encompassing both financial and non-financial aspects, in a way that is easy to understand. This collaborative process fosters open communication, ensuring that both you and our team are on the same page regarding your lifestyle, goals, interests, values, important relationships, and financial aspirations.

Of course, this is also an in-depth opportunity for you to decide if we’re the right match for you. We’ll be happy to share more about our proprietary financial planning strategies and investment tactics and explain how they would apply to your unique financial situation.

Whether or not you decide to continue on with us, you will walk away from this Discovery Session with your own custom Mind Map that can help you see how various elements of your entire life – such as investments, savings, insurance, retirement planning, lifestyle goals and personal values – are interconnected in a clear and concise manner.

Information Gathering

We’ll work together to gather key information.

Next, we will start putting together your Financial Plan. Equipped with a deeper understanding of who you are, what’s important to you and your financial situation, we’ll begin to gather the documents and information we need to review in order to develop your comprehensive Financial Plan.

This is pretty much the only time we’ll ask you to do any heavy-lifting – we promise!

We will provide you with clear, easy-to-follow instructions to help us gather the information we need to get to work on your Plan. And you will have a dedicated Relationship Manager and Client Concierge to help support you as much or as little as you would like as you collect the information we request.

Financial Plan & Investment Meeting

We’ll present our financial assessment and recommendations to you.

The next step for us will be to sit down for your Financial Plan & Investment Meeting. During this 60-minute meeting, our primary objective is to ensure that your financial goals and dreams have not only been understood, but also translated into a comprehensive financial plan tailored to you. Lauren Smith, our CERTIFIED FINANCIAL PLANNER® professional and Managing Partner here at Winstone Wealth Partners will oversee the intricacies of your personalized Financial Plan, clarifying any questions you may have along the way.

This meeting also serves as the right time for us to delve into our Investment Philosophy so we can share the principles and strategies that underpin our recommendations for your portfolio. We believe in fostering a transparent and collaborative environment, empowering you to make informed decisions about your financial future. Our aim is not just to offer guidance but to instill confidence in the path we chart together, ensuring that your investments align seamlessly with your overarching objectives.

Through this meeting, we aspire to not only provide clarity and direction but also cultivate a lasting partnership built on trust and shared success.

Mutual Commitment

We’ll decide how to move forward.

Following our comprehensive get-to-know-you and planning stages, the next step in our process is Mutual Commitment. This phase marks the moment when we eagerly await your decision to embark on this journey with us. For many clients, it happens during the Financial Plan & Investment Meeting. Although for some, they prefer to deliberate more. Either way is perfectly fine with us. We remain readily available to address any lingering concerns or queries you may have, ensuring that you feel fully informed and confident in your decision.

This decision symbolizes the beginning of a collaborative journey towards achieving your financial objectives. If you choose to move forward, we're excited to combine our expertise with your aspirations, crafting a financial roadmap you can feel confident in.

Implementation Meeting(s)

We’ll present a more advanced financial plan and tailored investment strategies.

Once we've received your commitment to proceed, the focus shifts from listening and planning to action during our Implementation Meetings. This is when we really roll up our sleeves and begin the process of turning plans into reality. Whether it's one meeting or a series of meetings, our objective remains constant: to fine-tune your Financial Plan and deliver a robust Investment Strategy that aligns seamlessly with your goals.

During these meetings, we'll delve into the intricate details of your Financial Plan, refining it further to reflect any changes or insights that have emerged since our initial discussions. Our aim is to ensure that every aspect of your plan is meticulously crafted to suit your unique circumstances and aspirations.

Moreover, this is where we share your customized Investment Plan and strategy, meticulously designed to optimize your portfolio's performance while aligning with your risk tolerance and investment preferences. We'll walk you through our recommendations, explaining the rationale behind each decision and addressing any questions or concerns you may have along the way.

Monitoring & Regular Check Ins

We’ll monitor your progress.

Financial planning isn’t a one-time event; it’s a continuous journey. And we’re in this for the long haul.

Your financial advisors will regularly review your strategy to ensure we are still on track to achieve your goals. If there have been changes in your life or within the market that we need to respond to, we will give you a call or schedule a meeting to discuss our recommendations.

We’ll also schedule regular check-in calls or meetings and give you a call from time to time to see what’s going on in your life. And of course, we will always keep you up to date on happenings within the market and our office with our timely resources like our blogs, newsletters and videos. We are also happy to share our network of trusted professionals like estate planners, attorneys, CPAs, insurance professionals – and even a car buying concierge! – to support you in other aspects of your life.

The goal is that throughout our client’s experience, they truly begin to feel like members of the Winstone family so that we’re able to provide solutions beyond just dollars and cents.

Our Investment Philosophy

W logo icon with decorative line on either side or it to act like a separator

Our investment philosophy, the Winstone Way, is a meticulous investment approach designed to balance stability with opportunity.

We recognize the importance of preserving capital and generating income to meet your current financial needs while also positioning your portfolio for long-term growth and prosperity.

This overview provides a high-level explanation of our approach, but as every investor’s situation is unique, we will always tailor our strategies to support your individual financial goals and circumstances.

The Income Bucket

Readily Available Funds
& Short-Term Investments

Read More

The Growth Bucket

Long-Term
Investments

Read More

And of course, while we firmly believe in our investment philosophy and approach, we recognize that every investor and family is unique, with their own set of financial goals, priorities and circumstances.

We always want to share a framework for understanding our approach to anyone who may be interested, but the truth is that personalized financial planning goes beyond what can be shared in a few paragraphs of text or on a website like this. That’s why we invite you to take the first step and give us a call.

By scheduling a consultation, we can delve into the specifics of your situation, understand your objectives and tailor a plan that’s right for you.

Our investment philosophy is built on a simple but powerful principle: Balance. We’re proud of our approach because it’s not just about navigating markets—it’s about crafting strategies that prioritize both stability and growth. We focus on protecting what matters today while positioning for the future, ensuring each plan is tailored to our clients’ unique goals and needs. It’s all about aligning every investment decision to work towards long-term success.

Jeff Green

CEO, Winstone Wealth Partners
Financial Advisor, RJFS

Isn’t it time you had a financial
partner who puts you first?

You deserve a dedicated team who brings clarity, care, and strategy to every aspect of your financial life.

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