Saxon Financial Group

07/10/2026

Our team enjoyed a great evening at the Oilfield Helping Hands Happy Hour, spending time with the amazing people who make this nonprofit so impactful. Oilfield Helping Hands provides financial assistance to oilfield families in times of crisis, and we’re grateful for the opportunity to participate in these events and support their mission. Looking forward to more events this year!

07/09/2026

Summer Check-In: Is Your Financial Plan Still on Track?

We are halfway through the year, which makes this the perfect time to pause and take a fresh look at your financial plan. A lot can change in just six months—markets shift, expenses pop up, and life events can reshape your priorities.

Summer often brings travel, family activities, and added expenses, but it is also a great opportunity to get ahead. Whether you are planning vacations, preparing for back-to-school costs, or starting to think about holiday spending, a mid-year check-in can help you stay organized and confident.

Ask yourself:
· Have there been any unexpected expenses or income changes this year?
· Are your savings and investment goals still aligned with your current situation?
· Do you have upcoming large expenses like travel, tuition, or major purchases?
· Are you on track for retirement and long-term goals?

A strong financial plan is not something you set once and forget—it should evolve as your life does. Working with a financial advisor can help you adjust your strategy, identify opportunities, and stay on track no matter what the year brings.

As always, we are here to help. If you would like to review your current financial plan or start building one, reach out to us today so we can work together toward your goals.

📞 Phone: 713-425-5340
🌐 Website: https://www.saxonfinancialgroup.com/
📅 Schedule a Meeting: https://calendly.com/d/csts-f2c-p8p/schedule-a-consultation

07/07/2026

New “Trump 530A Accounts” are set to roll out for tax years after 2025, introducing a new way for families to invest in a child’s long-term financial future.

These accounts function similarly to a traditional IRA but are designed specifically for minors—with structured contribution rules, limited investment options focused on low-cost index funds, and restricted access until adulthood. They can also be funded by a wide range of contributors, including family members, employers, and even government programs in certain cases.

While they offer a disciplined approach to long-term investing, they also come with important limitations and planning considerations—especially when coordinating with tools like 529 plans, UTMAs, or trusts.

If you’re thinking about how this could fit into your broader family or estate planning strategy, our team is here to help you evaluate the details and determine what makes sense for your situation. Feel free to reach out to us to learn more;

☎️ Phone: 713-425-5340
🌐 Website: https://www.saxonfinancialgroup.com/
📅 Schedule a Meeting: https://calendly.com/d/csts-f2c-p8p/schedule-a-consultation

https://www.saxonfinancialgroup.com/trump-530a-accounts-new-rules-for-kids-long-term-wealth/

Trump 530A Accounts are new child-focused IRAs under IRC §530A that use low-cost U.S. equity index funds, with strict funding and distribution rules families should understand before using them in long-term planning.

06/30/2026

Financial planning is more than numbers—it’s a roadmap.

It starts with understanding where you are today and mapping out a path to where you want to be. That means taking a comprehensive look at your financial picture—your goals, resources, and opportunities—and evaluating the different routes available to help you get there.

Like any journey, there will be detours along the way. Markets shift, life changes, and priorities evolve. A strong financial plan isn’t static—it adapts.

The key is having a thoughtful process in place so adjustments can be made with purpose and clarity.

We guide clients through our D.R.E.A.M. process:

Discover the Client
Review Goals
Evaluate the Current Course
Action Planning
Monitor Progress

This structured approach helps ensure every decision stays aligned with what matters most to you—today and in the future.

If you’re ready to take the next step, we invite you to reach out and start your financial planning journey with us today.

☎️ Phone: 713-425-5340
🌐 Website: https://www.saxonfinancialgroup.com/
📅 Schedule a Meeting: https://calendly.com/saxon-financial-group/schedule-a-meeting?month=2026-06

06/12/2026

The World Cup has countries planning years ahead for a tournament that lasts only a few weeks.

Yet many people spend more time planning a vacation than they do planning a retirement that could last 30 years.

Retirement isn't just about reaching a certain age. It's about having a strategy for income, taxes, healthcare, and the legacy you want to leave behind.

The earlier the planning starts, the more options you typically have later.

One question for the soccer fans: Who do you think wins the World Cup?

06/10/2026

Most Oil & Gas professionals will make one retirement decision worth six figures, and most have never heard of it.

It's called Net Unrealized Appreciation (NUA), an IRS provision that applies if you hold company stock inside your 401(k).

The default move at retirement is rolling everything into an IRA. Simple, clean... and potentially a huge mistake.

Here's why: roll that company stock into an IRA, and every dollar of growth eventually gets taxed as ordinary income, rates as high as 37%.

Use the NUA strategy instead, and decades of appreciation can be taxed at long-term capital gains rates, potentially 15-20%.

On a large, highly appreciated stock position, that difference can easily reach six figures.

The catch? It's use-it-or-lose-it. Once the rollover happens, the opportunity is gone. Permanently.

And it's just one of several decisions energy professionals face that most general advisors rarely encounter:

→ Pension lump sum vs. annuity elections
→ Concentrated company stock risk
→ Early retirement packages with tight deadlines

If you're within 0-5 years of retirement and your 401(k) holds company stock, it's worth a conversation before you make any irreversible moves.

We're offering complimentary retirement reviews for oil & gas professionals.

Send us a message to grab a spot.

Net Unrealized Appreciation (NUA) is an important concept in financial planning, specifically for individuals who hold company stock within their 401(k)

06/03/2026

Many retirees focus on reducing taxes from their RMDs, but one often overlooked strategy is tax loss harvesting.

Strategically realizing losses in a taxable portfolio may help offset capital gains, improve portfolio diversification, and potentially reduce the overall tax drag on retirement income.

For many professionals with company stock, brokerage accounts, and large retirement balances, understanding how these pieces work together can make a meaningful difference over time.

We break down how tax loss harvesting works and where it may fit into a retirement income strategy in our latest article.

Tax loss harvesting for retirees can offset RMDs, Social Security, and capital gains taxes — plus 2026 thresholds and wash sale rules explained.

05/28/2026

Most people assume their 401(k) is limited to the standard list of investment options their employer provides.

For many participants, that isn’t always the case.

A feature called BrokerageLink may provide access to significantly broader investment flexibility, all within your existing 401(k).

For oil & gas professionals especially, this can be a valuable tool for diversification and more intentional retirement positioning.

We broke down what BrokerageLink is, how it works, and why it may matter to your retirement strategy.

📞 Phone: 713-425-5340
📅 Schedule a Consultation: https://calendly.com/timlucio/15min
🌐: https://www.saxonfinancialgroup.com/

https://www.saxonfinancialgroup.com/what-is-fidelity-brokeragelink/

Fidelity BrokerageLink opens 10,000+ investments inside your 401(k). Learn how it works, who qualifies, and how oil & gas professionals can use it to diversify.

05/12/2026

Markets showed impressive resilience in April, with the S&P 500 posting one of its strongest months in over two decades and small caps leading the charge. At the same time, shifting Fed leadership, rising geopolitical tensions, and energy market disruptions are creating a more complex outlook beneath the surface.

Strong consumer spending, expanding corporate earnings, and continued AI-driven investment are supporting growth—but risks tied to oil prices, inflation pressures, and global conflict remain key variables to watch.

Take a look at our latest Market Commentary for a deeper overview; https://www.saxonfinancialgroup.com/houston-do-we-have-a-problem/

As always, staying informed and proactive is critical in navigating what’s ahead.

If you’d like to discuss how these trends may impact your portfolio or financial plan, we’re here to help. Reach out to our team to learn more.

📞 Phone: 713-425-5340
📅 Schedule a Meeting: https://calendly.com/timlucio/15min
🌐 Website: https://www.saxonfinancialgroup.com/

Despite continued geopolitical uncertainty U.S. large-cap stocks, represented by the S&P 500 Index, rose 11%, achieving the fourth-best month since

05/06/2026

One of the biggest retirement risks isn’t market volatility.

It’s disorganization.

• Multiple old 401(k)s
• Different beneficiaries
• Scattered accounts
• Outdated estate documents
• No withdrawal strategy

We’ve seen people spend decades building wealth but very little time organizing it.

The transition into retirement is often where that becomes noticeable.

Good planning brings structure before important decisions need to be made.

📞 Phone: 713-425-5340
📅 Schedule a Consultation: https://calendly.com/saxon-financial-group/schedule-a-meeting
🌐 Website: https://www.saxonfinancialgroup.com/the-hidden-retirement-risk-most-people-overlook/

By the time retirement approaches, it’s common for people to have:Multiple old 401(k) accountsIRAs held at different custodiansOutdated beneficiary