Provident Wealth Advisors

Provident Wealth Advisors Provident Wealth Advisors is a Retirement, Income and Estate Planning Firm serving The Woodlands, TX Securities Offered through Quincy Wells Capital, LLC.

Fee based financial planning and investment advisory services are offered by Provident Wealth Advisors, a Registered Investment Advisor in the State of Texas and the State of Louisiana. Insurance products and services are offered through Goodwin Financial Group . Provident Wealth Advisors, and Goodwin Financial Group are affiliated companies. The presence of this web site shall in no way be constr

ued or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Texas or where otherwise legally permitted. This site is published for residents of the United Sates only. Representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered. Provident Wealth Advisors, LLC does not solicit advisory clients in the state of Florida. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined. Not all services referenced on this site are available in every state and through every advisor listed. For additional information, please contact us at 281.466.4843. Provident Wealth Advisors, LLC does not offer legal or tax advice. Consult the appropriate professional regarding your individual circumstance. Member FINRA/SIPC

08/25/2026

💰 Are you and your spouse accidentally leaving free money on the table?

A new study from the Center for Retirement Research at Boston College found that nearly 1 in 5 married couples aren’t coordinating their retirement savings, and it could be costing them about $760 every year. 😳

So how does this happen… even when both spouses are contributing?

In this interview, Doug Hackett with Provident Wealth Advisors and Erin Kennedy break down:
✔️ What it really means to coordinate retirement savings as a couple
✔️ How employer matches can slip through the cracks
✔️ Smart strategies when one spouse has better benefits
✔️ The key conversations every couple should be having

📊 Bottom line: Retirement planning isn’t just personal... it’s a team sport. To ensure you're not leaving money on the table, give Doug a call at (281)-466-4843 or visit www.ProvidentWealthLLC.com

08/11/2026

🚨 Nearing retirement? You’re in the retirement red zone... and every decision counts.

The good news? A smart strategy now can make a BIG difference later. In this video, Doug Hackett with Provident Wealth Advisors and Erin Kennedy lay out your 4-step action plan to retire with confidence:

✅ Max out tax-advantaged accounts (don’t forget catch-up contributions!)
✅ Open & fully fund an IRA — and consider going Roth for tax-free growth
✅ Leverage HSAs 💡 (triple tax advantage + future healthcare funding!)
✅ Understand RMDs — because taxes in retirement may NOT be lower
⭐ BONUS: Work with a financial advisor to tie it all together and avoid costly missteps

Your future income, taxes, and lifestyle depend on the moves you make today. To put together your unique action plan, please call Doug at (281)-466-4843 or visit www.ProvidentWealthLLC.com

Act now to get ahead of the curve.

07/28/2026

Social Security Insolvency Now Projected for 2032!

🚨 Social Security is facing a major deadline.

A new Trustee's report projects the trust fund could be depleted by 2032… which may mean benefit cuts of up to 22%. 📉

So what does that actually mean for you?
In this conversation, Dan Goodwin with Provident Wealth Advisors and Erin Kennedy break down:
👉 Is Social Security really “going away”?
👉 Should you claim early at 62?
👉 What changes could be coming from Washington
👉 How to plan now so you’re not caught off guard

The bottom line: Social Security isn’t disappearing, but relying on it alone could leave a gap in your retirement income. To understand what’s ahead, and how to prepare, give Dan a call at (281) 466-4843 or visit www.ProvidentWealthLLC.com

07/14/2026

SPACEX HYPE: Opportunity or Overpriced Rocket?

Everyone’s talking about SpaceX... and for good reason.
The innovation is real. The technology is groundbreaking. And under Elon Musk, it’s become one of the most talked-about companies in the world.
But is it a great investment? In this video, Dan Goodwin with Provident Wealth Advisors and Erin Kennedy offer this reality check:

• Nearly 60% of IPOs since 1980 delivered zero or negative returns over 3 years (source: University of Florida Professor, Jay Ritter)
• Hype doesn’t eliminate valuation risk
• And even the most innovative companies can be overpriced

If you'd like to talk through the hype and the opportunity with Dan, please call (281)-466-4843 or visit www.ProvidentWealthLLC.com

Happy 250 years of American independence! Wishing all a happy and safe fourth of July holiday!Friendly reminder that our...
07/02/2026

Happy 250 years of American independence! Wishing all a happy and safe fourth of July holiday!

Friendly reminder that our office and the stock market will both be CLOSED on Friday, July 3rd in observance of the federal holiday. We'll be back in the office on Monday, July 6th.

Thank you for being an important part of the Provident Wealth family!

06/23/2026

Claiming Social Security at 62: What You’re Really Giving Up

It sounds like a smart move: claim your Social Security early, invest the checks, and get ahead.
But for many high earners, that strategy can backfire… and cost far more than expected. As Doug with Provident Wealth Advisors and Erin Kennedy discuss, claiming early and investing the benefit isn’t as simple as it sounds.

🎯 We also break down:
• How the Social Security earnings test can wipe out your benefit while you’re still working
• The true cost of claiming at 62 vs. waiting until full retirement age, or even 70
• The often-overlooked impact on your spouse, especially survivor benefits

💡 Bottom line: Timing when you claim Social Security isn’t just about getting paid sooner, it’s about maximizing income, protecting your spouse, and avoiding costly mistakes. It's one of the most important decisions you will make in retirement, and it's something Doug specializes in. To determine when you should claim, call (281)-466-4843 or visit www.ProvidentWealthLLC.com

Today we celebrate the strength, dedication, and heart of fathers everywhere. Happy Father’s Day!
06/21/2026

Today we celebrate the strength, dedication, and heart of fathers everywhere. Happy Father’s Day!

06/11/2026

💡 IRMAA Explained: The Hidden Medicare Cost That Could Catch You Off Guard

When it comes to Medicare, most people focus on coverage… but not enough attention is paid to what you’ll actually pay.

As Doug with Provident Wealth Advisors explains to Erin Kennedy, if you’re considered a “high-income beneficiary” by the Social Security Administration, you could be hit with an extra charge called IRMAA (Income-Related Monthly Adjustment Amount)… and it can significantly increase your Medicare Part B premiums.

Here’s what you need to know 👇
✔️ How high is “high-income”?
Even a modest increase in income can push you into a higher bracket.
✔️ It’s a cliff, not a slope
Go just $1 over the threshold, and you could pay hundreds more per year in premiums.
✔️ One-time events can trigger it
Selling a home, taking an RMD, Roth conversions, or realizing large capital gains can unexpectedly spike your income.
✔️ Planning is everything
Strategies like Roth conversions, Health Savings Accounts (HSAs), and Qualified Charitable Distributions (QCDs) can help reduce or even avoid IRMAA.

The bottom line: Without careful planning, you could end up paying more for Medicare than necessary.

📞 Want to make sure IRMAA doesn’t catch you off guard? Call Doug at (281)-466-4843 or visit www.ProvidentWealthLLC.com to put a plan together that could save you thousands in health insurance.

06/03/2026

🚨The ACA Cliff Is Back: How $1 Could Cost You Thousands in Health Insurance

Most people planning for early retirement focus on investments…
But the real shock? Healthcare.

Starting in 2026, a little-known rule under the Affordable Care Act could create a massive financial trap: earn just one extra dollar, and your health insurance premiums could jump by tens of thousands.

🎯 In this interview, Dan with Provident Wealth Advisors and Erin Kennedy break down:
• Why marketplace insurance is tied directly to your income—and how that catches retirees off guard
• What changes as enhanced ACA subsidies expire
• Who’s most at risk for major premium spikes
• Smart strategies to help avoid this hidden income trap
• Why income planning is now just as important for healthcare as it is for taxes

💡 Bottom line:
Income in retirement isn’t just about what you keep after taxes anymore…
It can determine what you pay for healthcare, too.

If you’d like to retire before you're eligible for Medicare, start planning now. To create a holistic financial plan that incorporates income, taxes, health care, and your legacy, please call Dan at 281.466.4843 or visit www.ProvidentWealthLLC.com

Here's to another year of Rocking It as the Amazing Mom you are! We hope your special day is full of love, joy and preci...
05/10/2026

Here's to another year of Rocking It as the Amazing Mom you are! We hope your special day is full of love, joy and precious memories in the making. Happy Mother's Day, from all of us at Provident Wealth Advisors!

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25511 Budde Road, Ste 1002
The Woodlands, TX
77380

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