Worthen Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Worthen Financial Advisors serves individuals (including high-net-worth clients), trusts, small businesses, and participant-directed retirement plans with investment management and financial planning services. Offerings include portfolio management (on both discretionary and non-discretionary bases), one‑time financial plans, a subscription-based ongoing planning program, and retirement-plan advisory and participant education.
The firm’s investment approach emphasizes passive, evidence-based asset-class allocations grounded in Modern Portfolio Theory and implemented primarily with low‑cost mutual funds and ETFs and model portfolios from third‑party providers. Worthen uses portfolio/allocation software, Monte Carlo analysis, and access to sub‑advisers and separately managed account strategies (including tax-aware SMAs) to align portfolios with clients’ objectives and risk tolerances, and conducts periodic monitoring and reviews.
Noteworthy features relative to peers are that a substantial portion of the firm’s assets is managed on a non‑discretionary basis and the firm maintains an affiliation with an insurance agency for client referrals and insurance planning—arrangements the brochure discloses while separating advisory and insurance compensation. The firm also provides a subscription membership site and digital communications to clients and leans on third‑party platforms (including a digital wealth manager, custodial reporting/aggregation tools, and AI‑assisted meeting documentation), services and delivery methods that are less common among independent, solo‑advisor firms.
Client services
Expertise
Occupation focus
Fee options
Flat fee of $3,000 for financial planning services.
$0 - $499,999: 1.15% $500,000 - $999,999: 0.90% $1,000,000 - $2,999,999: 0.75% $3,000,000 - $4,999,999: 0.60% $5,000,000 - $9,999,999: 0.55% $10,000,000+: 0.50%
Flat fee of $3,000 for one-time comprehensive financial planning services, with payment 50% upfront and 50% prior to or upon plan presentation.
Subscription-based Financial Planning and Monitoring Program at $249 per month, invoiced in advance.
Account minimum: $250,000 Minimum fee: Monthly financial ongoing monitoring fee of $249 for accounts under $250,000, waived discretionarily once assets under management meet agreed threshold.
Main office
104 Melody Lane
Friendswood TX 77546
Advisors at this office
1
Most active in
Texas
Also doing business as
Worthen Financial Advisors · Worthen Financial Advisors, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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