Britton Gregory, CFP® Seaborn Financial, LLC
- 6617 Oasis Drive, Austin, TX 78749
- (512) 814-7258
About Britton Gregory, CFP®
I’m a fee-only, fiduciary financial planner and investment manager in Austin, TX, and I specialize in working with tech professionals. I founded this firm in 2012 and was helping people with their finances for years before that.
I was an engineer for nearly twenty years, so I greatly prefer research- and analysis-based approach to finance, rather than flashy salesmanship. More tax-efficient investing and research-proven factors of increased returns, and less market timing and hedge funds.
Also, I stand out at financial advisor conferences, because I never wear a suit. Why? The better question is: why is a suit the official uniform of financial advisors? The answer is because our industry originated in sales; fee-only financial advisors such as myself are a relatively new invention, and still uncommon in the industry. Simply put, I don’t wear a suit because I’m not a salesman.
One of my favorite questions (generally asked only after a beer or two) is: if I’m so good at finance, why aren’t I retired and living the good life? The answer is: I am! Building something from the ground up, working hard on something I’m that helps people and that I’m passionate about — that’s my kind of retirement, and it wouldn’t have been possible without the financial skills I’ve built and been taught over the years.
Sound interesting? You can set up a meeting at https://seabornfinancial.as.
This deceptively simple question comes up quite a lot when I'm talking to clients. I say "deceptively simple" not because the answers are always complicated -- and we'll get to that -- but because there are actually several different questions they might actually be asking!And asking the right question is critical. I've seen people move directly from "I have a nasty tax bill" to "I've got to do something to lower that bill" to...well, suboptimal solutions.For example: socking money away into a
Everyone knows that you should have 3-6 months of basic living expenses in emergency savings. (Right? Well, if you didn't, now you do.) But -- where should you keep the money? When should you use it? Where does it fit in your overall portfolio? Can you invest it? Does everyone really need that much in emergency savings, or are there exceptions?All good questions. Welcome to emergency savings 201.What's an "emergency"?First, what exactly is "emergency savings" for? What constitutes an emergency?
We live in an uncertain world. We may have wisely decided to be the casino, but the fact remains that occasionally markets take a nosedive, we lose our jobs, etc. To put it bluntly, sh!t happens.Even if nothing dramatic occurs, small currents can add up to push us off-course. Inflation can rise slightly higher than expected, or market returns could go slightly lower. Raises could be non-extant for a while. Any of these, while seemingly small, can have a huge impact over the long term.So the idea