Investment Consultant Recommendation

989 Views | 13 Replies | Last: 1 day ago by rlb28
texican08
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6:38p, 6/19/26
AG
Howdy Ags,

Looking for a referral for an investment consultant to pick their brain on 2-3 year plan for finances, and potentially use as a financial advisor. I'll give the long story below on what I'm looking to do.

My wife and I are selling are house. We close 7/20. In 2.5 years we're going to be permanently relocating to our place in Belize. In doing so, we're building a house on our property which we're expecting to take 12-24 months. We're wanting to conservatively/moderately invest the equity coming out of our current house where we can grow it, but also draw from it while our house is being built.

We're familiar with self-investing, but we do long term holds. I don't have any experience in building a portfolio that is designed to be drawn from and wouldn't know what % would go to CDs/HYSA vs market.

Thanks for the help!
Capt. Hunter Ramos
Shallow Pursuit Adventures
IG: Capt.Hunter_Ramos
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neutics
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In reply to texican08 • 12:16a, 6/20/26
AG
My firm specializes in helping retirees and building their portfolios to support their lifestyle (NOT annuities) but honestly you need to find someone familiar with the cross border implications of moving to Belize.

I've had a few clients leave the US for Canada Sweden etc and every country is different and depends on the treaty. For example Fidelity is extremely particular on Canada and will no longer allow them to buy mutual funds but you are grandfathered so can keep what you buy prior.

So many tax considerations as well to consider.
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OldArmyCT
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4:21a, 6/20/26
AG
2 things you didn't mention. Your age and how much of your money will be subject to RMD's. If the latter is significant figuring a plan might be easy. Also there are a of of stories about people retiring in distant locations then having 2nd thoughts as they age and their kids are nowhere near. That's not meant to throw a wet blanket on your Belize idea, but it should be in the plans.
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texican08
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In reply to neutics • 4:22a, 6/20/26
AG
Sorry, I should have specified. I'm looking for a consultation specifically around how to manage this home equity amount we'll have being used to build our new house before we move.
Capt. Hunter Ramos
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AggieInHouston
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9:08a, 6/20/26
AG
Knowing that this is money you'll spend down on a set timeline, the main risk is being forced to sell in a down market when a payment's due. If you have good insight into the next 12 to 24 months of build payments, you'd probably want to look into some combination of HYSA, money market, T-bills, and a CD ladder timed to your payment dates. Then anything beyond that can take on some market risk.

Curious, what kind of engagement are you after? A one-time plan to get this set up, or someone actually managing the dollars? If it's the latter, would it end once the house is built and you're off to paradise?
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texican08
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In reply to OldArmyCT • 9:09a, 6/20/26
AG
Thanks. I'm 39, married, no kids.

The money I'm talking about specifically would only be used as a home building fund down there. Our existing assets and investments wouldn't be touched.
Capt. Hunter Ramos
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I bleed maroon
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In reply to texican08 • 11:01a, 6/20/26
AG
texican08 said:
Thanks. I'm 39, married, no kids.

The money I'm talking about specifically would only be used as a home building fund down there. Our existing assets and investments wouldn't be touched.

Although it's a large sum of money, I wouldn't overthink it. Shopping for the best CD, High-Yield Savings, or Money Market rate, and maybe a combination of these would be the way I'd do it. I'm probably known as an anti-CD person on this board, but this is a situation where it could really make sense if you know exactly when you'll need the money.

An alternative suggestion (which I've done once when I expected interest rates to rise) is a product called "Raise Your Rate CD" from Ally Bank (I think several others have a similar product). They have a 2 year and 4 year version allowing one or two (respectively) user-selected resets of the CD interest rate during its' tenure. I believe it starts out at 3.0%, so not too shabby (although you can probably do better). Maybe use this for a portion of your money to guard against inflation or interest rate run-ups.
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Hill08
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11:20a, 6/20/26
My sister (aggie), has lived in Caye Caulker for about 8 years. While she is not the person you're looking for, she can definitely help you regarding the laws in Belize regarding income (if that's something of interest)
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texican08
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In reply to AggieInHouston • 11:34a, 6/20/26
AG
As far as a one time plan or money management, I'm really not sure. I was hoping to talk to someone directly to go over exact dollar amount that we would be investing for this and pick their brain. In my mind it would be something conservative with maybe a smaller portion dollar managed more aggressively.

Once the house build is completed the remaining funds would go back to a more moderate/aggressive approach. We have investments with fidelity, Edward jones, Schwab, and a few others. But no relationship built with anyone there. If we liked how the house building management fund went, I would probably look to consolidate and let that advisor take over everything.
Capt. Hunter Ramos
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dr_boogs
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In reply to texican08 • 10:13a, 6/21/26
AG
I'm just here to reconnect with you and if my memory serves, make a connection to chase some permit tarpon and bonefish w the fly rod! PM me, really enjoy fishing Belize. Have always fished out of the S - Punta Gorda area.
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Diggity
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In reply to I bleed maroon • 11:12a, 6/21/26
AG
I bleed maroon said:
texican08 said:
Thanks. I'm 39, married, no kids.

The money I'm talking about specifically would only be used as a home building fund down there. Our existing assets and investments wouldn't be touched.

Although it's a large sum of money, I wouldn't overthink it. Shopping for the best CD, High-Yield Savings, or Money Market rate, and maybe a combination of these would be the way I'd do it. I'm probably known as an anti-CD person on this board, but this is a situation where it could really make sense if you know exactly when you'll need the money.

An alternative suggestion (which I've done once when I expected interest rates to rise) is a product called "Raise Your Rate CD" from Ally Bank (I think several others have a similar product). They have a 2 year and 4 year version allowing one or two (respectively) user-selected resets of the CD interest rate during its' tenure. I believe it starts out at 3.0%, so not too shabby (although you can probably do better). Maybe use this for a portion of your money to guard against inflation or interest rate run-ups.

agreed with all this. It sounds like you're going to start needing this money in less than a year, so you shouldn't put it in equities. Just find a HYSA/CD to park it in.

Any money you spend on an advisor for this would likely negate a good chunk of the interest you can expect (and you'll end up in the same spot).
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texican08
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12:54p, 6/21/26
AG
I appreciate the replies everyone! Some good advice here for sure.
Capt. Hunter Ramos
Shallow Pursuit Adventures
IG: Capt.Hunter_Ramos
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texican08
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6:09p, 6/22/26
AG
Thoughts on this strategy…

Researched and found premium savings account through e-trade with a 4.0% interest rate for 6 months, 3.5% thereafter with a $400 signup bonus. Considering having my wife and I open separate accounts (and exiting an existing USAA CD at 2.15%) to take advantage of that, then re-assess in 6 months
Capt. Hunter Ramos
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IG: Capt.Hunter_Ramos
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rlb28
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10:39a, 6/23/26
AG
There are "flat fee" financial advisers out there.

Here is a site to find one: https://www.napfa.org/

My son is about to use Scholar Financial Advising... https://scholarfinancialadvising.com/
I'm not sure why it's named that other than they tout the fact that most of them have PhDs. He sent financial docs to them, but hasn't had a meeting, so I can't recommend them yet.
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