Services
Every part of your financial life, coordinated in one plan.
Investments are where many advisory relationships start, but in our experience they are often not where the biggest decisions live. Below is the scope of what we do, what each engagement includes, and where we coordinate with your other professionals rather than replace them.
01 / Investment Management
Portfolios that you can hold through a bad year.
In our experience, investor behavior can matter just as much to long-term outcomes as portfolio construction. Someone owns something they never really understood, the market falls, and they sell at the wrong moment. So we aim to build portfolios you can explain back to us — because a portfolio you understand is one you are more likely to keep.
The core is broad, low-cost, and diversified across asset classes. Satellite positions — a sector, a commodity, a theme, an individual holding — are added only when there is a specific reason, a specific size limit, and a specific view of what would make us wrong.
What this includes
- Written investment policy with a target allocation and rebalancing bands
- Low-cost core built primarily with ETFs and index exposure
- Satellite positions sized deliberately, with a stated rationale
- Consolidated review of held-away accounts, including your 401(k)
- Cost, overlap, and concentration analysis of what you own today
- Risk tolerance revisited when your life changes, not just when markets move
02 / Retirement Income Planning
Turning a portfolio into a paycheck.
The accumulation years reward one behavior: keep contributing. The distribution years are harder. Withdrawals interact with taxes, Social Security, Medicare premiums, required minimum distributions, and the order in which market returns happen to arrive.
We map your income need against your accounts, then decide which dollars to spend first and why. The goal is a strategy designed with the risks of a difficult early retirement period in mind — not a plan that only works if returns cooperate.
What this includes
- Income need modeled against guaranteed and portfolio sources
- Withdrawal sequencing across taxable, traditional, and Roth accounts
- Social Security claiming analysis for singles and couples
- Required minimum distribution planning and QCD strategy
- Cash reserve strategy designed to reduce the need to sell in a down market
- Healthcare and Medicare premium considerations before age 65 and after
03 / Estate & Trust Coordination
Making the documents and the accounts agree.
A well-drafted estate plan can fall short for a mundane reason: the accounts were never retitled, or a beneficiary form from a previous decade conflicts with the will. For many accounts, the beneficiary designation determines who receives the asset, regardless of what the will says.
We review titling and beneficiaries across your accounts, identify where your stated intentions and your paperwork diverge, and work alongside your attorney to close the gap. We do not draft legal documents or provide legal advice — our role is to help the financial side reflect them.
What this includes
- Beneficiary and titling review across your accounts
- Coordination with your estate attorney (or an introduction if you need one)
- Trust account funding, registration, and ongoing management
- Step-up in basis and inherited IRA distribution considerations
- Legacy and charitable intentions built into the investment plan
- A summary of accounts and intentions your family can refer to, documented in one place
04 / Tax-Aware Planning
Decisions made before December 31, not after.
Taxes are one of the larger portfolio costs that can often be managed through thoughtful planning, and many of those opportunities are tied to year-end deadlines. We work the tax calendar deliberately: which account holds which asset, when to realize losses, whether a Roth conversion makes sense in a low-income year, and how to structure charitable giving.
We coordinate with your CPA rather than replacing them, and we do not prepare tax returns or provide tax advice. Their job is to prepare and file the return. Ours is to help the year they are reporting on be planned rather than accidental.
What this includes
- Asset location across taxable and tax-advantaged accounts
- Multi-year Roth conversion analysis and bracket management
- Tax-loss harvesting with attention to wash-sale rules
- Concentrated and low-basis position strategies
- Charitable giving structure, including appreciated shares and QCDs
- Direct coordination with your CPA ahead of year-end
05 / Life Insurance Planning
Protection sized to a real need.
Insurance is a tool, not a strategy. Used well, it replaces income a family cannot do without, or creates liquidity an estate would otherwise have to raise by selling something at the wrong moment. Used badly, it becomes an expensive product nobody remembers buying.
We start with the need in dollars and years, then find the least complicated structure that covers it. If the honest answer is that you do not need more coverage, that is the answer you will get.
What this includes
- Needs analysis based on income replacement, debt, and dependents
- Term coverage for working-year obligations
- Permanent coverage where estate liquidity or legacy is the goal
- Review of policies already in force, including whether older contracts still fit the need
- Beneficiary structure coordinated with your estate plan
06 / Business Owner Planning
The business is an asset. Plan it that way.
For many owners, the business is simultaneously the largest holding, the primary income source, and the least diversified thing on the balance sheet. That combination deserves its own planning, not a footnote in a retirement projection.
We work on the parts that intersect with your personal wealth: the right retirement plan for your payroll, protection against losing a key person, and building personal assets outside the business so a sale is a choice rather than a necessity.
What this includes
- Retirement plan selection — SEP, SIMPLE, Solo 401(k), or safe harbor 401(k)
- Owner and employee contribution strategy
- Key-person and buy-sell funding considerations
- Building diversified personal wealth alongside the business
- Preparing the personal balance sheet for a sale or transition
- Coordination with your CPA and attorney on entity and compensation questions
Specialized planning
Two decisions that deserve their own attention.
Social Security Claiming Strategies
Claiming age tradeoffs, spousal and survivor coordination, the earnings test, taxes, and Medicare premiums — and how claiming fits with portfolio withdrawals.
Read the guide
401(k) Plans for Small Businesses
401(k), safe harbor, SEP, and SIMPLE plans compared, along with what an advisor can help with and the responsibilities that come with sponsoring a plan.
Read the guide
Fees
How we are paid, stated plainly.
Investment advisory services are billed as an ongoing fee based on the assets we manage for you, calculated and charged monthly. The rate declines as household assets grow, and accounts within a household are aggregated so the family reaches lower rates sooner.
Insurance products, when they are appropriate, are compensated by the issuing carrier rather than billed to you. We will tell you which arrangement applies before you decide anything, and you will receive our written fee schedule and disclosure documents before you engage us.
Our commitments on fees
- One published schedule, applied consistently across similar households
- Billed monthly, disclosed in dollars and not just percentages
- Household aggregation so families reach breakpoints sooner
- Fund expenses and custodian costs disclosed separately
- Written fee schedule and disclosure documents provided before engagement
Specific rates, minimums, and billing details are provided in our current written disclosure documents and advisory agreement, which govern the relationship.
Questions
Common questions about working with us.
How is Providence Wealth Management paid?
Investment advisory services are fee-based: an ongoing fee based on the assets we manage for you, billed monthly under our written fee schedule. There are no product quotas. You will receive our fee schedule and disclosure documents before you engage us.
Who do you work with?
Families, retirees, and business owners across the United States, from our office in New Braunfels, Texas. Many clients are approaching retirement or already retired, and many own a business.
Do I need to come to the office to meet?
No. Meetings happen in person at our New Braunfels office, by phone, or by video — whichever is most useful for you.
What happens in a first conversation?
We talk through where you stand today, what you want your money to do, and whether working together makes sense. A first conversation costs nothing and commits you to nothing.
Will you work with my CPA and attorney?
Yes. We coordinate with your CPA, estate attorney, and other professionals rather than replace them. Tax and legal advice come from them; our role is to make sure the plan and the people carrying it out are working from the same picture.
Is insurance part of the advisory relationship?
Insurance is offered separately, through Jason E. Hurta’s Texas insurance license. Insurance products are compensated by the issuing carrier rather than billed to you, and we will tell you which arrangement applies before you decide anything.
Start a conversation
A first conversation costs nothing and commits you to nothing.
We will talk through where you stand today, what you want your money to do, and whether working together makes sense. If it does not, our goal is that you will still leave with a clearer picture.
- Fee-based advice with no product quotas
- Clients across the United States, from our New Braunfels, Texas office
- Meetings in person, by phone, or by video
- Jason E. Hurta has advised clients since 1999