Worthen Financial Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$30,945,398
Total clients
87
6% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
87
Average account size
$355,694
About
Worthen Financial Advisors serves individual investors, high-net-worth clients, trusts, small businesses, and participant-directed retirement plans, offering investment management, employee retirement-plan advisory, and subscription-based financial planning and consulting services. The firm delivers ongoing financial planning through a paid membership site and app and assists clients with investment oversight and implementation through third-party platforms.
The firm follows a passive, evidence-based approach that emphasizes broad diversification using mutual funds and ETFs, model portfolios, and occasional separately managed account strategies (including tax-aware SMAs and fixed income managers). Worthen relies on modern portfolio theory and tools such as Monte Carlo analysis, and it implements portfolios primarily through third-party sub-advisers and digital platforms (including Betterment, Focus Partners/partner platform offerings, and American Funds models).
Worthen is atypical among similar solo independent advisers in several respects: it operates with nearly all assets managed on a non-discretionary basis (reporting about $30.9 million in non-discretionary AUM and no discretionary-managed accounts as of December 31, 2024), maintains an affiliated insurance agency that can receive commission-based business referrals, and provides client communications and periodic materials (periodicals/newsletters) alongside its subscription planning platform. These features, together with use of multiple wrap and model platforms and access to SMA strategies, distinguish the firm within its peer group.
Client services
Financial planning
Portfolio management
Selection of other advisers
Newsletters or periodicals
Expertise
Passive / index investing
Tax-loss harvesting
Retirement plans for business owners (SEP, solo 401k)
College savings (529s, UTMA, etc.)
General tax planning
Occupation focus
Founder/Business Owner
Retired
Demographic focus
HENRY (High Earners, Not Rich Yet)
Mid-Career Professionals
Fee options
One-time fee of $750 for access to self-preparation will or trust software service
$0 - $499,999: 1.15% $500,000 - $999,999: 0.90% $1,000,000 - $2,999,999: 0.75% $3,000,000 - $4,999,999: 0.60% $5,000,000 - $9,999,999: 0.55% $10,000,000+: 0.50%
Subscription Program fee of $249 per month in advance
Account minimum: $250,000 Minimum fee: $249 per month ongoing financial monitoring fee for accounts under $250,000 (may be waived) Fee-only: Subscription-based financial planning and monitoring program at $249 per month
Main office location
Worthen Financial Advisors
104 Melody Lane
Friendswood TX 77546, United States
Number of offices
1
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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