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Guiding Wealth

Financial planning for YOUR life. Ongoing advice & planning, or one-time financial plans available. Our services and our style are tailored to you.

We specialize in financial planning, wealth management in times of transition, and continued asset guidance.

09/16/2026

74% of Americans have at least one financial regret.

The top one (by a wide margin) is not saving for retirement early enough. Second is carrying too much credit card debt. Third is not having enough set aside for emergencies.

According to Bankrate's 2025 Financial Regrets Survey, Gen Xers are the most likely of any generation to have a financial regret (83%). The percentage of people who carry this retirement savings regret grows with age — which means the longer it goes unaddressed, the heavier it tends to feel.

Here's the thing about financial regrets: almost none of them are surprising in hindsight. Most people could see them coming. The gap isn't knowledge... it's having a clear plan and someone to help you act on it.

The good news is that every single one of the top regrets is addressable before it becomes permanent.

💰 Not saving early enough for retirement: that window is still open, and contributions made in your 40s and 50s still have meaningful time to grow.

💳 Too much credit card debt: there are strategies to tackle it systematically without derailing everything else.

🏥 Not enough in emergency savings: even small, consistent progress builds a cushion that changes how the rest of your financial life feels.

You don't have to fix everything at once. You just have to start, ideally with someone who can help you figure out where starting will make the biggest difference for your specific situation.

That's exactly the kind of conversation we have with clients at Guiding Wealth. If you'd like to talk to someone who can help you take action toward a stronger financial future, contact us today!

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(Source: Bankrate Financial Regrets Survey, August 2025)

09/09/2026

What does a good life actually look like for you?

It's a question we believe should come before questions about retirement dates, investments, or savings goals.

At Guiding Wealth, we use a financial values exercise to help clients step back and look at the areas that matter most, from family and relationships to health, career, personal growth, and more.

The goal isn't to create a perfectly balanced life. It's to understand whether your time, energy, and money are supporting the life you actually want.

Our latest blog explores how this exercise can bring a different kind of clarity to your financial plan, and why we believe your plan should start with you, not just the numbers.

Read the full blog at guidingwealth.com/blog

09/02/2026

September is a great time to pause, regroup, and check in on your financial life before the year comes to a close (and we all get busy with the holidays!).

From beneficiaries and savings progress to insurance, workplace benefits, and year-end planning, a few thoughtful reviews now can help you feel more prepared for the months ahead.

Our blog walks through the key areas worth revisiting during your September financial check-up.

Read the full blog at guidingwealth.com/blog

08/26/2026

More women are taking an active role in their financial lives than ever before, and we are excited to see it! Of course, that doesn't mean you have to navigate your finances alone.

If you're a woman looking for financial planning help, you might be wondering who the right fit is.

The right financial planning relationship should leave you feeling informed, supported, and confident in the decisions ahead. It should make space for your questions, reflect your values, and help you build a plan that fits your life.

In our latest blog, we share what to look for in a financial planner, questions worth asking, and how to recognize when you've found the right fit.

Read the full blog at guidingwealth.com/blog

08/19/2026

Over the next two decades, an estimated $54 trillion is expected to transfer to surviving spouses, and more than 95% of those assets are projected to go to women.

For many women, there may come a time when they are making financial decisions on their own for the first time. Building financial confidence before that transition occurs can help create greater clarity and preparedness for whatever the future holds.

At Guiding Wealth, we believe every woman deserves to feel informed, supported, and engaged in her financial life.

08/12/2026

In many relationships, one person naturally takes the lead on finances. It's common and often practical.

But when only one partner understands the full financial picture, it can create stress and uncertainty during life's unexpected moments.

Financial partnership isn't about splitting every task equally. It's about making sure both partners feel informed, engaged, and confident in the decisions being made.

Our latest blog explores the financial conversations every couple should be having and offers practical ways to build greater visibility and confidence together.

Read the full blog at guidingwealth.com/blog

08/05/2026

Financial confidence doesn't mean knowing every market update, understanding every financial term, or having every answer.

It means knowing what questions to ask, understanding your options, and feeling comfortable seeking clarity when something is uncertain.

You don’t need to become a financial expert to make thoughtful decisions. A good financial plan should help you feel informed, supported, and confident in the choices ahead.

07/29/2026

A net worth statement is simple: add up everything you own, like savings, investments, home equity, and retirement accounts. Then you subtract everything you owe, like your mortgage, loans, debt.

What's left is your net worth.

Most people treat that number as a scoreboard, or the ultimate measure of how they're doing financially.

But here's what it doesn't tell you: whether your money is actually doing anything meaningful.

It doesn't tell you whether the things you say matter to you are showing up in your spending. It doesn't say whether you'll look back and feel like it was well used.

73% of Americans say a solid financial plan is what would actually make them financially happy.

In our opinion, here at Guiding Wealth, the plan is the thing that reflects your life. The net worth number is just one element of that.

Back in 2015, Hannah wrote a short post about adding one line to your net worth statement: Where your money actually took you.

We've updated that idea on the blog this week to include today's research, and with more questions that help you see how your money supports your life!

Read it on the blog at guidingwealth.com/blog

07/22/2026

Is it time to hire a financial planner?

While most people can benefit from hiring a financial planner, that doesn’t necessarily mean you have to hire one right away — or work with one consistently for your entire life.

These are some situations when it may make sense to hire a financial planner:

1️⃣ You’re getting close to retirement and aren’t sure whether you’ve saved enough
2️⃣ You’re newly retired and unsure what your budget should look like now
3️⃣ Your finances have become complicated due to multiple income streams, self-employment, or complex investments
4️⃣ You need to create or modify your estate plan
5️⃣ You’re going through a major life event such as marriage, a career change, a new baby, or divorce
6️⃣ You’ve received an inheritance or financial windfall

If you’re facing one of these situations or something equally complex, now could be the perfect time to start working with a planner.

At Guiding Wealth, we can help you stay focused on your priorities and ensure that your decisions are aligned with your values.

Let us know if you'd like to schedule a free consultation by commenting below.

07/15/2026

You work hard for your money, but research suggests most people aren't spending it on the things that actually make them happiest.

Studies consistently show that experiences, like a trip, a concert, or a dinner with people you love, bring more lasting satisfaction than "things."

Unlike a material purchase that quickly becomes the new normal, experiences become part of your story. They hold up over time in a way that a new car or upgraded kitchen rarely does. And yet most financial plans treat experiences as an afterthought.

44% of Americans say the memories they make while traveling are priceless, but 26% have gone into debt to fund travel, and 13% have dipped into retirement savings to pay for trips.

The gap between what brings us happiness and how we actually plan for it is worth reflecting on!

On the blog this week, we're exploring what the research actually says about money and happiness, and what it means for how you spend. Read it at guidingwealth.com/blog

Address

2007 N. Collins Boulevard , Suite 503
Richardson, TX
75080

Opening Hours

Monday	9am - 4:30pm
Tuesday	9am - 4:30pm
Wednesday	9am - 4:30pm
Thursday	9am - 4:30pm
Friday	9am - 4:30pm

Website

http://www.guidingwealth.com/

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