• Home
  • About Us
    • Our Approach
  • Who We Help
    • Energy Sector Employees & Retirees
      • Occidental Petroleum (Oxy) Employees
      • Shell (RDS) Employees
    • Individuals
    • Couples
  • Resources
    • Latest Posts
    • Latest News
    • In The Press
  • Client Login
    • RightCapital
    • eMoney
  • Careers
  • Connect with Us

The Goff Financial Group

Houston Fee Only Financial Advisors

  • Home
  • About Us
    • Our Approach
  • Who We Help
    • Energy Sector Employees & Retirees
      • Occidental Petroleum (Oxy) Employees
      • Shell (RDS) Employees
    • Individuals
    • Couples
  • Resources
    • Latest Posts
    • Latest News
    • In The Press
  • Client Login
    • RightCapital
    • eMoney
  • Careers
  • Connect with Us

Is Your Portfolio Highly Correlated with the Market? – Part 1

June 12, 2024 by Robert Seal

Portfolio is highly correlated to stock marketStock Portfolio by Nick Youngson CC BY-SA 3.0 Alpha Stock Images The more closely your investment portfolio resembles the stock market, the more likely your portfolio will produce results similar to the market. In finance, this concept is known as correlation, which is a measure of how a group of investments moves in value compared [...]

Filed Under: Asset Allocation, Investing, Investment Management, Markets, Portfolio Management, Risk Management, Stocks, Wealth Management

Long Term Investment Truths Part 1

October 25, 2023 by Robert Seal

long-term investmentsWe believe a long-term investment philosophy is key to creating and preserving wealth. While many investors claim to be “long-term” oriented, many of these self-proclaimed long-term investors act as anything but when things get tough. After all, it’s human nature to doubt ourselves; especially when things don’t go as smoothly as anticipated. Endless warnings from [...]

Filed Under: Investing, Investment Management, Market Forecasts, Markets, Portfolio Management, Risk Management, S&P 500, Securities, Stocks, Uncategorized, Wealth Management Tagged With: long-term investing

Pension Lump-Sum vs. Annuity: Which to Choose?

September 18, 2023 by Robert Seal

pension lump sum or pension annuity paymentsOne of the questions we often get from our clients is, “Should we take the lump-sum option or the annual payments when receiving distributions from our company pension plan?” Just like deciding whether to “buy or rent”, there are several factors in play in determining the best course of action. Let’s first go over these [...]

Filed Under: 401k Plans, Annuities, Investment Management, IRA, Lump Sum, Portfolio Management, Retirement, Wealth Management

The Hidden Cost of Owning Too Many Investments – Part 2

September 12, 2023 by Nick

Cost of owning too many investmentsWhile diversification is a crucial way to spread risk across multiple investments, over-diversification1 occurs when a portfolio owns too many investments. In this instance, there can be some potential "hidden" costs, including reduced return potential without a material reduction in risk.2 If we think of diversification as the cost investors incur to reduce the risk [...]

Filed Under: Investing, Investment Management, Portfolio Management, S&P 500, Securities, Stocks, Taxes

The Hidden Cost of Owning Too Many Investments – Part 3

September 12, 2023 by Nick

Cost of owning too many investmentsAs we reviewed in the two previous posts, diversification is an effective way to reduce risk. If you own too many investments, however, there can be hidden costs without a material reduction in the risk of loss. These costs may include: Reduced returns which can increase the risk of not reaching your financial goals Unnecessary [...]

Filed Under: Investing, Investment Management, Portfolio Management, S&P 500, Securities, Stocks, Taxes

The Hidden Cost of Owning Too Many Investments – Part 1

September 11, 2023 by Nick

Cost of owning too many investmentsAssuming you invest in individual stocks and/or mutual funds, what is one of the first questions you should ask if you want higher investment returns? The answer is, “Do I own too many investments?” This is an essential question because of the potential hidden costs of owning too many investments, also known as over-diversification. While [...]

Filed Under: Equities, ETF's, Exchange Traded Funds, Index Funds, Investing, Investment Management, Mutual Funds, Portfolio Management, Risk Management, S&P 500, Securities, Taxes, Wealth Management

The Backdoor Roth IRA

May 23, 2018 by The Goff Financial Group

Roth-IRA-Conversion-houston-financial-advisor

Does your high income stop you from contributing to a Roth IRA? It does not necessarily prohibit you from having one. You may be able to create a backdoor Roth IRA and give yourself the potential for a tax-free income stream in retirement. The Backdoor Roth IRA, a move that high earners can make in […]

Filed Under: 401k, 401k Plans, Investing, Investment Management, Portfolio Management, Roth IRA, Roth IRA Conversion, Taxes, Wealth Management Tagged With: Backdoor Roth IRA, Retirement

Do you know the difference between a fee-based advisor and an independent, fee-only advisor?

June 8, 2017 by Matthew Goff Leave a Comment

fee-only-vs-fee-based-houston-tx

This is a very important question as how your advisor is compensated may create conflicts of interest, which can lead to significant financial consequences for you and your family. As brokers and insurance agents have changed their job titles in recent years to “advisors” and have replaced commissions with fees as their primary method of compensation, such conflicts of interests are not as easy to see today but are still there if you know where to look. Such conflicts are also not hard to find if you know what questions to ask.  Continue Reading …

Filed Under: Financial Advisor, Investment Management, Portfolio Management, Stock Broker, Wealth Management Tagged With: Conflicts of interest, Fee-Only Financial Advisor

Bundle Up? Not When It Comes To Financial Services

June 3, 2016 by Matthew Goff Leave a Comment

cpa-financial-advisor-services-houston

For many people subscribing to satellite services or cable television over the last couple of decades, the business model has been “bundling services” like television, Internet and phone together for a single rate. However, in this system, many customers are paying for TV channels that they never watch or for a landline that they rarely use. With the increased popularity of “cutting the cord” to cable and satellite TV in order to watch TV series and films on Over-The-Top (OTT) content devices, there have been calls, even from Washington, for a “pay for what you watch” or “a la carte” approach.  Continue Reading …

Filed Under: 401k, 401k Plans, Annuities, Bonds, Debt Management, Fiduciary, Financial Advisor, Investing, Investment Management, Mutual Funds, Portfolio Management, Registered Investment Advisor, Retirement, RIA, Stock Broker, Stocks, Taxes, Uncategorized, Wealth Management Tagged With: CFP, choosing experts, CPA, estate planning, financial planning, financial services, investment advisor

Objective Investment Advice You Can Use

September 2, 2015 by Matthew Goff Leave a Comment

Stock-Market-Downgrade-And-Your-Invesmtents

As you probably saw last week, global stock markets dropped sharply in value. There are a number of factors contributing to these recent declines including expectations of higher interest rates, falling oil prices and an economic slowdown in China.

As our focus is on the long-term, we welcome periods of sharp market declines as falling prices often produce for our clients buying opportunities with less risk. Also, periods of sharp market declines are historically normal and to be expected when investing in the stock market.   Continue Reading …

Filed Under: Bonds, Credit, Currency, DJI, Economy, Equities, Expense Ratios, Federal Reserve, Financial Markets, Investing, Investment Management, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, Portfolio Management, Registered Investment Advisor, RIA, S&P 500, Wealth Management

  • 1
  • 2
  • Next Page »
[contact-form-7 id="340" title="Footer Contact"]


The Goff Financial Group
11 Greenway Plaza, Suite 1425
Houston, Texas 77046

Copyright © 2025 The Goff Financial Group

Form ADV 2A | Privacy Policy

Q&A | Third Party Disclosures

Tel: 713.850.8900

Fax: 713.728.4884


The Goff Financial Group © is an independent, fee-only investment advisor registered with the U.S. Securities and Exchange Commission.

Third Party Disclosures

Navigation
  • Home
  • About Us
    • Our Approach
  • Who We Help
    • Energy Sector Employees & Retirees
      • Occidental Petroleum (Oxy) Employees
      • Shell (RDS) Employees
    • Individuals
    • Couples
  • Resources
    • Latest Posts
    • Latest News
    • In The Press
  • Client Login
    • RightCapital
    • eMoney
  • Careers
  • Connect with Us

"*" indicates required fields

Complete the form below and we will send you the checklist before our call

Scheduling Options:*
Please choose from one of the options below
First and Last Name*
This field is hidden when viewing the form
In What Areas Do you Need Assistance?
Select All That Apply

Find Out If An Independent Advisor Is Right For You

"*" indicates required fields

First and Last Name*
In What Areas Do you Need Assistance?
Select All That Apply
Energy Industry Specialist

Mail my free book to the following address. (No P.O Box)

  • This field is hidden when viewing the form
  • This field is hidden when viewing the form
  • This field is hidden when viewing the form
  • This field is hidden when viewing the form
  • What is your top concern today?

Kick-Start Your New Work-Free Life!

The 3 Pillars of Successful Retirement Plans
  • This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.