Worthen Financial Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$47,905,274
Clients
92
13% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
92
Very HighAverage account size
$520,710
About
Worthen Financial Advisors provides investment management, ongoing financial planning, and retirement‑plan advisory services to individuals, high‑net‑worth clients, trusts, small businesses, and qualified retirement plans. The firm offers both discretionary and non‑discretionary portfolio management and a subscription‑based membership site and app for ongoing planning and advice.
The firm’s investment approach emphasizes passive, evidence‑based asset‑class investing implemented primarily through mutual funds, ETFs, and model portfolios, using tools such as Monte Carlo analysis to align allocations with client goals. Worthen routinely uses third‑party sub‑advisers and digital platforms — including Focus Partners Advisor Solutions, Betterment for Advisors, American Funds, and access to AQR SMA strategies and fixed‑income managers — to implement, rebalance, and monitor client accounts.
Noteworthy features for a solo independent adviser include an affiliated insurance agency under common control and continuing insurance‑agency activities by the firm’s owners, with disclosed referral arrangements and separate compensation for insurance services. The firm also reports nearly all of its reported assets (about $47.9 million) as managed on a non‑discretionary basis and distributes periodic digital communications via its subscription platform and custodian emails — practices that are less common among similarly sized independent firms.
Client services
Financial planning
Portfolio management
Selection of other advisers
Newsletters or periodicals
Expertise
Passive / index investing
Tax-loss harvesting
Retirement plans for business owners (SEP, solo 401k)
College savings (529s, UTMA, etc.)
Business sale tax planning
Occupation focus
Founder/Business Owner
Executive
Fee options
One-time comprehensive financial planning service flat fee of $3,000
$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%
Subscription-Based Financial Planning and Monitoring Program at $249 per month in advance
Account minimum: $250,000 Minimum fee: $249 monthly financial ongoing monitoring fee for accounts under $250,000, waivable at firm discretion Fee-only: Subscription-Based Financial Planning and Monitoring Program at $249/month
Main office location
Worthen Financial Advisors
104 Melody Lane
Friendswood TX 77546, United States
Number of offices
1
Most active in
Worthen Financial Advisors has reported serving >5 clients in these states in the last 12 months.
Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
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
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