Independent | Fee-Only | Fiduciary

Wealth Management for Oil & Gas Professionals

Specialized retirement, tax, and investment strategies for high-earning professionals and retirees.

See if We're a Fit About Us

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Our Custodians

*Returns & net worth are illustrative, not guaranteed.

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You Have Questions...

You’ve done the hard work to save and invest. Now it’s time for your money to work for you.

We help simplify your finances and create a steady retirement income so you can enjoy the next phase of life with less stress and more time.

Do I have enough?

How do I invest my nest egg?

How do I turn my investments into an ongoing paycheck?

Am I paying more taxes than I have to?

When should I file for Social Security?

How do I navigate health insurance until I'm 65?

We May Be The Right Fit For You If You...

Are approaching or living in retirement and want to protect what you’ve saved.

Face significant tax liabilities and want a proactive tax strategy.

Prefer to delegate financial planning and portfolio management to a trusted expert.

Are selective about who you work with and expect transparency, not sales pitches.

Want a long-term advisor who will guide you through the decades ahead.

See If We're a Fit

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Hear It From Those We've Worked With

The people below sat where you're sitting, asking the same questions, before they gave us a call.

"...working with Joe completely changed my perspective. He helped us identify and address critical blind spots in our financial plan, leaving me far more confident about heading into retirement. Joe is exceptionally knowledgeable, calm, and operates with a huge deal of integrity!"

Salim

"...one of the best decisions I made!... Joe reminded me of the plan we had made... [giving] me peace of mind over a bad situation... From having practically no relationship with my financial advisor... to having a friend I trust whose an expert in his craft and genuinely cares about his clients."

Monique

"Joe has been fantastic to work with. He is easy to talk to and takes the time to really get to know you and your goals... The advice is knowledgeable and helpful, but never pushy. Joe really does have your best interests in mind when working together... Highly recommend!"

Cole

"Joe is one of the most knowledgeable CFPs I know... he’s personable and easy to work with, which makes a real difference when you’re trusting someone...looking for an advisor who runs their own firm and treats clients like people, not accounts, Joe’s your guy."

Tyler A.

"...loved working with Refined Wealth and consolidating everything... been great to have a plan as I approach retirement age and think through all of the financial needs... I know Joe has been through this process with many other clients and trust that I am in great hands."

Mardi

"...He helped us identify and address critical blind spots in our financial plan, leaving me far more confident about heading into retirement.... Every part of our plan feels like it has been rigorously reviewed through a well-defined, thoughtful process... Highly recommended!"

Salim

"...He helped me navigate a confusing transitional period and took the time to thoroughly explain my options... knowledgeable, responsive, and genuinely focused on helping me... recommend him to anyone looking for a knowledgeable and trustworthy advisor."

Grayson G.

"Joe has been instrumental in helping us... his willingness to give back and help students who are interested in the financial planning profession. Joe has helped me a lot in my own professional career as well, he really helped me find my path in finance with his mentorship."

Alec K.

*The views expressed are individual to each client and may not be representative of the experience of other clients. View all client reviews on our Wealthtender Profile Page.

What Makes Us Different

Retirement planning specialist

Provide ongoing tax planning

Transparent pricing

Fee-only, fiduciary

Regular meetings & access

Latest technology

Plans that integrate outside assets & 401(k)s into your plan

Low-cost, tax-efficient, and strategic rebalancing.

Collaboration with internallly vetted trusted third party specialists

Behavioral coaching to avoid emotional financial decisions.

Typical Advisor.

Generalist

No tax planning

Commissions & hidden fees

Fee-based, non-fiduciary

Minimal contact & support

Outdated technology

Outside assets and 401(k)s are overlooked in investment strategies.

No emphasis on low costs, tax efficiency, or rebalancing.

No connections to partner private banks. Leaving you to find and vet external partners without collaboration

Leaving you to manage emotional financial decisions alone.

Tailored Financial Expertise

Advisors Who Get You.

Your advisor shares your academic and professional background, offering insights that resonate with your life and goals.

A Holistic Approach.

From income to estate planning, every facet of your financial life is seamlessly integrated into a strategy designed just for you.

Your Time, Maximized.

With proactive prioritization and full-service tax support, your advisor lightens your mental load and protects your time.