Webster, TX | Greater Houston | Bay Area Houston | DFW Metroplex
Financial advisor for executives
& high-income professionals in Houston
Burrows Capital Advisors works with corporate executives, physicians, surgeons, attorneys, aerospace professionals, engineers, and high-income earners across Greater Houston whose compensation packages — RSUs, stock options, deferred compensation, bonuses, partnership income, and equity — require planning that goes well beyond a standard investment account.
Schedule a Free ConsultationWe work with executives, physicians & professionals from organizations including
Healthcare & Medical
HCA Houston Healthcare Clear Lake
HCA Houston Healthcare Southeast
Texas Medical Center
Memorial Hermann Health System
Houston Methodist
Texas Children’s Hospital
Baylor College of Medicine
UTHealth Houston
MD Anderson Cancer Center
CHI St. Luke’s Health
Clear Lake Regional Medical Center
UTMB Galveston
DuPage Medical Group
...and more
Aerospace, Space & Defense
NASA Johnson Space Center
Boeing Clear Lake
Lockheed Martin Houston
Collins Aerospace
KBR Houston
Jacobs Engineering
Axiom Space
Intuitive Machines
Oceaneering International
Leidos
SAIC
L3Harris
Raytheon
...and more
Energy, Corporate & Professional
ExxonMobil Corporate
ConocoPhillips
Occidental Petroleum
Enterprise Products Partners
Targa Resources
Cheniere Energy
Waste Management
Sysco Corporation
Academy Sports & Outdoors
Group 1 Automotive
Kirkland & Ellis Houston
Baker Botts
Vinson & Elkins
Andrews Kurth Kenyon
...and more
Who We Serve
Wealth management for Houston’s
executives & high-income professionals
Burrows Capital Advisors is a fee-based independent wealth management firm headquartered in Webster, TX, specializing in financial planning for executives and high-income professionals across Greater Houston. We serve the mass affluent and high-net-worth professionals who have built significant income and accumulated real wealth — but whose compensation complexity, equity exposure, and deferred benefit structures require a more deliberate financial strategy than most advisors are equipped to deliver.
The Bay Area Houston and Greater Houston corridor is home to one of the most concentrated populations of high-income professionals in the United States — aerospace engineers and program managers at NASA’s Johnson Space Center and its contractor network, physicians and surgeons at HCA Houston Healthcare Clear Lake, the Texas Medical Center, Memorial Hermann, Houston Methodist, and MD Anderson, corporate executives at some of Texas’s largest publicly traded companies, and attorneys at Houston’s top energy law firms.
What these professionals share: significant income, complex compensation structures, and a financial life that has outgrown the generic investment account. RSUs that vest on a schedule and need to be managed for concentration risk. Deferred compensation that will be taxed at ordinary income rates if not planned carefully. Stock options that expire. Partnership income with quarterly estimated tax obligations. Pension decisions that are irreversible once made. A 401(k) that was set up years ago and has never been reviewed. A life insurance policy that doesn’t match today’s income or estate situation. Burrows Capital Advisors addresses all of it.
10,000+
NASA JSC civil servants & contractor employees in the Clear Lake corridor
100K+
Healthcare professionals employed at the Texas Medical Center alone
3
Texas offices — Webster, Heath & College Station serving Houston & DFW
30+
Years advising Houston executives, physicians & high-income professionals
Professions We Specialize In
Your profession shapes your
financial planning needs
Every profession in the Houston area comes with its own compensation structure, benefit design, and financial planning challenges. Here is how we think about the most common ones we serve.
Physicians & Surgeons
HCA Houston Clear Lake · Memorial Hermann · Houston Methodist · MD Anderson · Texas Children’s · Baylor College of Medicine · UTHealth · UTMB · Private practice
Physicians in the Houston area typically carry significant student loan debt entering peak earning years, have limited access to employer retirement plans early in their careers, and face a compressed savings window before they want to retire. Partnership equity, signing bonuses, call pay, and practice ownership add complexity. We help Houston physicians build wealth aggressively during peak earning years, protect it with the right structure, and plan a transition out of practice on their own terms.
Aerospace & Defense Engineers
NASA Johnson Space Center · Boeing Clear Lake · Lockheed Martin · Collins Aerospace · KBR · Jacobs JETS · Axiom Space · Oceaneering · Leidos · SAIC
Aerospace and defense professionals in the Clear Lake and Bay Area Houston corridor often have strong defined benefit pension plans, government contractor retirement matching, and deferred compensation structures that require careful planning around vesting schedules, lump-sum vs. annuity decisions, and how to coordinate multiple retirement income streams. Many also have security clearances and international assignment considerations that affect their financial planning.
Corporate Executives
ExxonMobil · ConocoPhillips · Cheniere Energy · Enterprise Products · Waste Management · Sysco · Group 1 Automotive · Academy Sports · Targa Resources · ...and Houston-area mid-market companies
Corporate executives in Houston typically receive compensation packages that include base salary, annual bonus, RSUs, stock options, non-qualified deferred compensation (NQDC), and executive benefits. Each element has different tax treatment, vesting schedules, and planning implications. Concentration risk is a constant concern when RSUs and performance shares represent a significant portion of net worth. We help Houston executives manage, diversify, and plan around the full complexity of their compensation.
Attorneys & Law Firm Partners
Kirkland & Ellis · Baker Botts · Vinson & Elkins · Andrews Kurth Kenyon · Bracewell · Norton Rose Fulbright · Haynes and Boone · Jones Day Houston · ...and Houston boutique firms
Houston law firm associates and partners face unique financial planning challenges: high student debt entering the profession, variable income tied to billable hours and business origination, partnership buy-in requirements, and capital account distributions that require quarterly estimated tax planning. Senior partners at energy law firms often hold significant deferred compensation and partnership equity that must be carefully managed as they approach retirement or transition.
Dentists & Healthcare Practice Owners
Independent & group dental practices · Specialty medical practices · Houston-area dermatology, orthopedic, ophthalmology & surgical groups · Concierge medicine practices
Houston healthcare practice owners sit at the intersection of professional and business owner planning — managing both personal wealth accumulation and business financial decisions simultaneously. Practice valuation, partnership buy-in and buyout planning, defined benefit plan optimization, and succession planning are all part of the picture. We help Houston-area physicians and dentists who own their practices plan both sides of the equation.
Senior Military & Government Professionals
NASA Johnson Space Center (civil servants) · Ellington Field Joint Reserve Base · U.S. Coast Guard · Harris County · City of Houston · Port Houston Authority · Retiring officers transitioning to private sector
Retiring military officers and senior government employees in the Houston area face a unique set of financial planning decisions: military pension optimization, Thrift Savings Plan rollover strategy, TRICARE and healthcare transition, VA benefit coordination, and building private-sector wealth after 20–30 years in service. Burrows Capital helps Houston-area military and government professionals navigate the transition and build financial security beyond their service.
The Challenges You Face
What high-income Houston professionals
bring to us most often
High income does not automatically produce financial security. These are the planning gaps we see most often in the executives and professionals we serve across Greater Houston.
01
RSUs & stock options with no diversification strategy
Executives and senior professionals at publicly traded Houston companies — ExxonMobil, ConocoPhillips, Cheniere Energy, Waste Management, Group 1 Automotive, and others — often accumulate concentrated positions in employer stock through RSU grants and performance shares. When your employment income and your investment portfolio are both tied to the same company, you are carrying far more risk than most investors realize. A disciplined diversification strategy — including tax-efficient liquidation, charitable gifting of appreciated shares, and exchange funds — can reduce that risk without triggering an unnecessary tax event.
02
Deferred compensation with no distribution strategy
Many Houston executives at major energy, healthcare, and corporate employers participate in non-qualified deferred compensation plans (NQDC). These plans allow significant tax deferral — but the distribution elections are generally irrevocable and the timing matters enormously. Choosing the wrong payout schedule, wrong triggering event, or wrong company can result in a large unnecessary ordinary income tax bill in retirement. We help Houston executives model and elect NQDC distributions as part of a broader income strategy years before they matter.
03
High income but not enough saved outside the employer plan
Many Houston physicians, attorneys, and aerospace professionals earn significant incomes but have the majority of their savings in employer plans — 401(k), pension, or NQDC — with very little built outside those structures. If a career change, layoff, or acquisition forces an early exit, those assets may not be accessible or may carry significant tax consequences when accessed. Building liquid, diversified personal wealth alongside employer benefits is a critical part of long-term financial security.
04
Tax planning is reactive, not proactive
High-income Houston professionals — particularly those with bonus income, RSU vesting, partnership distributions, or physician practice ownership — often find themselves writing large tax checks in April without having planned for them. Proactive tax strategy — including timing of income recognition, retirement plan contributions, estimated quarterly payments, Roth conversions, and tax-loss harvesting — can meaningfully reduce what you owe over a career. We coordinate with your CPA throughout the year, not just at tax season.
05
Compensation complexity that no single advisor addresses
The financial life of a Houston executive or high-income professional rarely fits neatly into a standard advisory relationship. Base salary, bonus, RSUs, stock options, NQDC, pension, 401(k), partnership equity, and perquisites are each taxed differently, vest on different schedules, and require different planning strategies. Most advisors manage the investment account without ever looking at how the full compensation package fits together. Burrows Capital builds a complete picture before making any recommendation.
06
Estate plan does not reflect today’s income or family situation
High-income professionals in their 40s and 50s often have estate documents — wills, trusts, beneficiary designations — that were drafted early in their career when their income, asset level, and family situation were completely different. A physician now earning $500,000 annually whose will was drafted as a resident needs a completely different estate plan. Burrows Capital coordinates with your estate attorney to make sure your documents, beneficiary designations, and insurance coverage reflect who you are today.
How We Help
Financial planning services for
Houston executives & high-income professionals
Every Burrows Capital engagement starts with your complete compensation picture — every element, every benefit, every account — and builds a coordinated financial plan around all of it.
01
Executive compensation planning
Comprehensive analysis of your full compensation package — base, bonus, RSUs, stock options, NQDC, pension, and perquisites — and a coordinated plan for each element that accounts for tax treatment, vesting schedule, and how each piece interacts with the others. Built for executives at Houston-area energy companies, healthcare systems, aerospace contractors, and corporate headquarters.
02
RSU & equity concentration management
Disciplined diversification strategies for Houston executives and professionals accumulating concentrated positions through RSU grants and performance shares — including tax-efficient liquidation schedules, charitable gifting of appreciated shares, exchange funds, and Rule 10b5-1 plan coordination for executives subject to trading restrictions.
03
Deferred compensation & pension strategy
NQDC distribution election analysis, pension lump-sum vs. annuity modeling, and income sequencing strategy for Houston executives at major energy companies, healthcare systems, aerospace contractors, and corporate employers. These decisions are often irreversible — getting them right requires planning well before they need to be made.
04
Physician & healthcare professional planning
Specialized financial planning for physicians, surgeons, and healthcare executives across HCA Houston Healthcare, Memorial Hermann, Houston Methodist, Texas Children’s Hospital, MD Anderson, and private practices — addressing student debt strategy, practice ownership and partnership planning, defined benefit plan optimization, and retirement income planning for doctors who want to practice on their own terms.
05
Proactive tax planning & CPA coordination
Year-round tax strategy — not just at April — coordinated with your CPA. Quarterly estimated tax management, Roth conversion analysis, tax-loss harvesting, bonus timing, and retirement plan contribution optimization for Houston professionals whose income complexity makes reactive tax planning genuinely expensive.
06
Investment management
Disciplined, risk-aligned portfolio management across all accounts — 401(k), IRA, brokerage, NQDC, and others — coordinated as one strategy rather than managed in silos. Compensation is transparent and fully disclosed in our Form ADV. Affiliated with Cetera Advisors as our broker-dealer.
07
Estate planning & wealth transfer coordination
Aligning your estate documents, beneficiary designations, life insurance, and gifting strategy with your current income level and family situation — coordinating with your estate attorney to make sure what you have built transfers the way you intend, with the least possible tax friction.
Your compensation is complex. Your plan should match it.
Most financial advisors manage the investment account without ever looking at the full picture — how your RSUs are concentrated, whether your NQDC elections were right, or how your pension interacts with Social Security.
Burrows Capital starts with the whole picture. Every time.
Schedule a ConsultationWebster, TX · Heath, TX
College Station, TX
No obligation · No pitch
Common Questions
Frequently asked questions from
Houston executives & professionals
Is there a financial advisor near Webster, TX who specializes in executives and high-income professionals?
Yes. Burrows Capital Advisors is headquartered at 224 Sandhill St, Webster, TX 77598 — minutes from NASA Johnson Space Center, HCA Houston Healthcare Clear Lake, and the Bay Area Houston corridor. The firm specializes in financial planning for executives, physicians, attorneys, aerospace professionals, and high-income earners across Greater Houston who have compensation complexity that goes well beyond a standard investment account.
How should a Houston executive manage RSUs and concentrated company stock?
Executives at publicly traded Houston companies — including ExxonMobil, ConocoPhillips, Cheniere Energy, Waste Management, and others — often accumulate concentrated positions through RSU grants and performance shares. Because employment income is already tied to the company’s performance, holding concentrated stock doubles the exposure. A disciplined diversification plan — including systematic liquidation on a schedule, charitable gifting of appreciated shares, and coordination with Rule 10b5-1 plans for insiders — reduces risk while managing the tax impact. Burrows Capital helps Houston executives build and implement these strategies.
What should Houston physicians know about financial planning?
Physicians in the Houston area face a unique financial planning timeline: significant student loan debt entering peak earning years, a compressed savings window, practice partnership decisions, and often a desire to retire earlier than typical professionals. Key planning priorities include: aggressive retirement savings through defined benefit plans and solo 401(k)s during peak income years, disability insurance sized to actual income (not just a generic policy), practice buy-in and buyout planning, and a retirement income strategy that accounts for the fact that physician income typically stops completely at retirement rather than tapering. Burrows Capital works with physicians at HCA Houston Healthcare, Memorial Hermann, Houston Methodist, and private practices across the Bay Area Houston area.
How does deferred compensation planning work for Houston executives?
Non-qualified deferred compensation plans (NQDC) at Houston-area energy companies, healthcare systems, and corporate employers allow executives to defer significant income and taxes — but the distribution elections made at enrollment are generally irrevocable. Choosing the wrong payout schedule (too fast, too slow, or triggered by the wrong event) can result in large ordinary income tax bills in retirement years when other income sources are also high. Burrows Capital helps Houston executives model NQDC distribution scenarios as part of a comprehensive retirement income plan, ideally several years before the elections need to be made.
What financial planning do aerospace professionals at NASA JSC need?
Aerospace and defense professionals in the Clear Lake and Bay Area Houston corridor — at NASA Johnson Space Center, Boeing, Lockheed Martin, Collins Aerospace, KBR, Jacobs, and the growing commercial space sector — often have defined benefit pension plans, government contractor retirement matching, and FEHB or similar benefits that require specific planning. Key decisions include pension lump-sum vs. annuity analysis, how to coordinate government pension income with Social Security, TSP rollover strategy, and building taxable wealth alongside the benefit package. Burrows Capital works with aerospace professionals in Webster, Clear Lake, Seabrook, and Nassau Bay on exactly these decisions.
How do Houston law firm partners plan their finances differently from other professionals?
Law firm partners at Houston energy firms — Baker Botts, Vinson & Elkins, Bracewell, Kirkland & Ellis, Andrews Kurth, and others — face planning challenges that are distinct from those of employees: variable income tied to billable hours and client origination, partnership capital account requirements, quarterly estimated tax obligations on partnership distributions, and the need to build personal wealth alongside a career where income can be high but irregular. Senior partners approaching transition also need to plan for the unwinding of partnership equity and capital accounts as part of a retirement income strategy. Burrows Capital works with Houston attorneys on all of these issues.
Is Burrows Capital Advisors a fiduciary when working with executives and professionals?
Yes, in our investment advisory capacity. Burrows Capital Advisors is an independent wealth management firm committed to acting in your best interest when providing investment advice and financial planning. The firm is affiliated with Cetera Advisors as its broker-dealer; all compensation — including advisory fees and any broker-dealer compensation — is disclosed in full in the firm’s Form ADV before engagement begins.
Your income is complex.
Your plan should be too.
A 30-minute conversation with a Burrows Capital advisor in Webster, TX costs nothing. We will give you an honest assessment of your full financial picture — compensation, savings, taxes, protection — and tell you what we would do differently.
Schedule a Free ConsultationLocations
Webster, TX
224 Sandhill St, Webster, TX 77598
Heath, TX
Rockwall County & DFW corridor
College Station, TX
Bryan & Brazos Valley
Cetera Advisors LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.