After nearly a decade in corporate finance at Phillips 66, I now help high-income professionals and their families with investment, tax, and retirement planning. Before launching Refined Wealth, I completed the CFP® education program at Rice University and gained hands-on experience at two Houston firms, where I was part of teams that collectively served over 250 families and oversaw more than $650M in client assets. I also earned advanced certifications in tax planning (TPCP®) and retirement income planning (RICP®) to deliver more targeted advice. Now I’m building the firm I’d want for myself, my family, friends, and former colleagues. Most of my clients are: ◻︎ High-income professionals (O&G, medicine, sales, dual-income households) ◻︎ Retirees with complex assets and income sources ◻︎ Families navigating liquidity events (real estate sales, inheritances, business exits) Refined Wealth is an independent, fee-only fiduciary firm built on transparency and alignment. No product sales. No commissions. If this resonates, let’s connect for a complimentary introductory call to see if we’re a fit.

Jon Solo has built his career advising high-net-worth families and business owners, with a focus on helping them manage the complexity that comes with significant wealth. His experience centers on protecting client wealth, managing risk, and bringing thoughtful, strategic judgment to the tax, estate, and investment decisions that shape long-term financial outcomes. He has successfully grown Live Oak Wealth Management into a wealth management firm serving affluent clients with complex financial needs. Through that work, he has developed deep experience helping clients address the issues that often become more important as wealth grows, including tax planning, trust and estate planning coordination, risk management, and aligning investment decisions with each family's objectives, priorities, and long-term goals. Jon also specializes in the development of algorithmic and AI-driven quantitative trading strategies and possesses deep knowledge of the digital asset space. His technical background gives him an investment perspective grounded in disciplined risk management and informed by emerging technologies, while his use of AI and collaboration with leading outside tax and estate specialists helps clients bring order to complexity with greater insight, efficiency, and coordination. Prior to starting Live Oak Wealth Advisory Group in October 2010, he served as a financial advisor with RBC Wealth Management beginning in October 2007. He also spent the early part of his career in the Information Risk Management group of KPMG, where he developed a strong foundation in risk management and the importance of evaluating issues carefully and addressing risk from multiple angles. He holds a Bachelor of Computer Science from the University of North Carolina at Charlotte. Outside of his professional work, Jon enjoys traveling and spending time with his family. He is also committed to supporting charitable organizations dedicated to helping at-risk children.

Wallace Burgoyne is a CFP® with 34 years of industry experience, currently serving as an advisor at Symphony Financial, Ltd. Co. since 2014. He also maintains a long-standing affiliation with LPL Financial LLC dating back to 2003. Outside of his advisory roles, Burgoyne is involved in non-variable insurance sales in Houston, TX. Symphony Financial, Ltd. Co. offers discretionary investment management, financial planning, and consulting services to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a long-term investment approach combining fundamental and technical analysis, tailoring portfolios to client risk profiles and objectives, and supports ERISA 3(21) retirement-plan work alongside traditional portfolio management.

Connor Benson is an Investment Advisor and Banker with J.P. Morgan Private Bank in Houston, TX. He has over 12 years of industry experience working in institutional asset management, sales & trading, and comprehensive planning. His prior roles include positions at BBVA Securities, McGriff Insurance Services (Marsh & McClennan Conpany), Regions Bank, and Merrill Lynch Wealth Management. He is employed by both JPMorgan Securities and JPMorgan Private Bank, enabling him to offer a range of banking products alongside investment services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering non-discretionary wealth advisory services supported by a centralized due-diligence framework.

Natalie Kassenyeva is the principal of Natalie M. Kassenyeva, an investment management firm based in Houston, TX. She holds the CFA® designation along with Series 63 and 65 licenses and has 20 years of industry experience, including roles at BW Energy, McDermott International, and BP NAGP. In addition to her advisory work, she teaches preparatory classes for the Chartered Financial Analyst exam at Rice University. Her firm provides investment consulting and financial planning services focused on mutual funds, pooled accounts, and third-party managers, serving individual retirement, trust, and estate accounts. The practice emphasizes manager selection and due diligence, with non-discretionary advice and quarterly account reviews.

Breion Rollins is a financial advisor at TRG Financial with six years of industry experience. He holds a Series 65 designation and previously worked at Multnomah Group and at the University of Houston and University of Oklahoma. Outside of advising, he is the owner of Creators Guild HTX/The Hive Houston, a content studio, and is a member of The Pour Horsemen Podcast. TRG Financial is a state-registered sole proprietorship serving individuals and families with comprehensive financial planning, investment advisory, and a specialized college funding planning service. The firm’s investment approach focuses on diversification, cost- and tax-efficiency, and the use of low-cost ETFs and mutual funds, incorporating both fundamental and technical analysis alongside Monte Carlo planning tools.

William Klinke is a CFA® charterholder and holds a Series 66 license with 15 years of experience in the financial industry. He has prior experience at Morgan Stanley and Morgan Stanley Private Bank and is currently principal, portfolio manager, and owner of Kickpoint Financial. Klinke operates in Houston, TX, and has been associated with several firms including TWPTX, LLC. Total Wealth Partners is a Texas-registered investment adviser providing discretionary investment management and related advisory services to individuals, high-net-worth individuals, trusts, and estates. The firm emphasizes customized portfolio construction and ongoing oversight using a range of asset types and analytical approaches tailored to clients’ goals and risk tolerance.

William Zickler is a financial advisor with Coastal Wealth Management, LP in Houston, TX. He holds a Series 65 designation and has 22 years of industry experience, all with Coastal Wealth Management since 2004. Coastal Wealth Management, LP is an independent registered investment adviser providing discretionary portfolio management to individuals, trusts, pension and profit-sharing plans, charitable organizations, and private investment funds. The firm emphasizes capital preservation through personalized investment supervision tailored to each client’s risk tolerance, tax situation, and time horizon, with portfolio decisions informed by estate, tax, real estate, and insurance considerations.

Kurt Ours is the sole advisor at Virescent Financial LLC in Houston, TX. He holds a Series 65 designation and previously worked at Occidental Petroleum Corporation for 11 years before founding Virescent Financial in 2025. Virescent Financial is an independent, fee-only registered investment adviser that provides comprehensive financial planning and discretionary investment management services to individuals and high-net-worth clients. The firm employs a combination of fundamental analysis and Modern Portfolio Theory, emphasizing asset allocation and passive investment vehicles, and uses non-traditional fee structures including hourly and project-based fees rather than asset-based charges.

Andrew Nunnally is a financial advisor at Alpha-Tech Investments, LLC in Houston, TX, with five years of industry experience. He holds a Series 65 designation and has worked in roles at Arena Energy, Prescryptive Health, Marathon Oil, and DNC Technology. Outside of advising, he has worked as a sales analyst for Prescryptive Health, a digital health company focused on prescription intelligence platforms. Alpha-Tech Investments is a single-advisor independent firm providing discretionary asset management and portfolio supervision for individuals, corporations, and other entities. The firm employs a research-driven process combining fundamental analysis, technical methods, and modern portfolio theory, managing a diverse range of assets typically on a discretionary basis.

Debra Hartsfield is the sole advisor at DPH Financial, an independent firm based in Pearland, TX. She holds the ChFC® designation and has 21 years of industry experience, having founded DPH Financial LLC in 1998. In addition to her advisory role, she is licensed to sell life and health insurance in Texas. DPH Financial serves individuals, professionals, small business owners, and charitable organizations, focusing on clients with beginning incomes around $65,000 (single) or $130,000 (couple) and those aged 35–72. The firm provides comprehensive financial planning, investment advisory services, and financial education, emphasizing a primarily passive investment approach with low-cost, goal-oriented strategies and discretionary portfolio management.

David Bass is a financial advisor at Decision Tree Advisor in Houston, TX, holding the ChFC® and Series 66 designations with 11 years of industry experience. He worked at Invesco for 20 years before joining Edward Jones briefly in 2021 and then founding Decision Tree Advisor in 2022. Decision Tree Advisor provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, and corporations. The firm focuses on asset allocation and modern portfolio theory, primarily using passive index funds while incorporating active management and ESG criteria when requested.

Stephanie Scherr is a CFP®-certified financial advisor with 39 years of industry experience. She is the principal of SM Scherr Financial LLC, an independent firm she has led since 2020, following a 21-year tenure at ProEquities, Inc. Outside of her advisory work, she serves as a trustee for family-related trusts and provides estate and financial planning services. SM Scherr Financial LLC offers comprehensive financial planning and investment management to individuals, high-net-worth clients, business owners, and select corporate and charitable organizations. The firm employs third-party money managers and asset allocation strategies, providing both discretionary and non-discretionary account management alongside written financial plans covering retirement, estate, tax, risk management, and business succession.

Jonathan Kolmetz is a CFP® with 21 years of industry experience, currently serving as the sole advisor at Oaks Wealth Management in Houston, TX. His prior roles include positions at LPL Financial LLC and Strategic Financial Concepts, LLC. Outside of his advisory work, he is a financial therapist and counselor with Alaphia Financial Wellness and Oaks Counseling Associates, respectively. Oaks Wealth Management provides tailored investment management and comprehensive financial planning to individual and high-net-worth clients, as well as charitable organizations. The firm employs a primarily passive investment approach using diversified portfolios of index mutual funds and ETFs, supported by individualized plans and regular reviews.

Orie Helaire is a financial advisor at Epiphany Wealth Management in Houston, TX, with 11 years of industry experience. He holds the ChFC®, PFS™, and Series 65 designations. In addition to his advisory role, he is an accountant and occasionally offers accounting-related advice and services to clients. Epiphany Wealth Management provides investment advisory and financial planning services to individuals, high-net-worth clients, small businesses, and charitable organizations. The firm emphasizes tailored portfolio management based on documented investment policies, combining fundamental and quantitative analysis with active monitoring.

John Harris is the sole advisor at Fundamental Advisors, Inc. in Houston, TX, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Fundamental Advisors since 2002, serving as its president and registered investment advisor. Fundamental Advisors, Inc. provides investment advisory services to individuals, including high-net-worth clients, and pension, profit-sharing, and 401(k) plan sponsors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and pension consulting services, with an investment approach centered on asset allocation and mutual fund/ETF analysis.

Shelley Hawkins is a CFP® with 26 years of industry experience and has been the sole advisor at Four Seasons Investment Management, Inc. since 1998. She also serves as vice president of Equitable Solutions, Inc., a firm providing hourly divorce planning services. Four Seasons Investment Management offers discretionary investment management through an all-inclusive wrap fee program, managing approximately $26.7 million for about 36 clients as of December 2025. The firm employs an actively managed, diversified approach across multiple asset classes and conducts quarterly reviews to adjust portfolios within client-defined objectives and risk profiles.

Julius Mathias Jr. is the sole advisor at Simba Investment Advisors in Houston, TX, holding a Series 65 license with 12 years of industry experience. He has operated Simba Investment Advisors since 2013 and has worked at Met Life and USA Asset Group since 2009 and 2007, respectively. Simba Investment Advisors provides portfolio management to institutional investors, high-net-worth individuals, small businesses, foundations, and pension plans, offering customized, buy-and-hold investment strategies based on fundamental and technical analysis. The firm also offers pension consulting and basic financial planning, delivering services on a non-discretionary basis with annual account reviews and tax-related reporting.

John Capistran is the principal advisor at Caplo Advisory LLC in Houston, TX, holding Series 63 and Series 65 licenses with 17 years of industry experience. He previously worked at AIG Retirement Advisors for 13 years before founding his independent firm in 2020. Caplo Advisory LLC provides asset management and financial planning services to individuals, corporations, and other entities. The firm utilizes both fundamental and technical analysis with tailored investment strategies, offering discretionary management and a broad range of planning and consulting services, including corporate portfolio management and business financial planning.

Heriberto Chinea is a financial advisor at EightOne Capital LLC with four years of industry experience. He holds a Series 65 designation and also serves as CEO of iACT Holdings LLC, a company that invests in commercial and residential real estate. EightOne Capital LLC provides investment advisory and financial planning services to individuals, families, high-net-worth clients, corporations, and charitable organizations. The firm primarily employs passive, ETF-based model portfolios through the Charles Schwab Institutional Intelligent Portfolios platform, offering both discretionary and non-discretionary management along with business and financial consulting services.