Business Details
30 Years
experience
Trusted Financial & Legal Planning Services in Bellaire, TX
Celtic Capital has provided integrated financial and legal advisory services since 1996, combining over four decades of business and legal expertise with certified financial planning credentials. Our team specializes in holistic wealth management, offering tailored investment strategies, estate planning solutions, and alternative dispute resolution services. We maintain fiduciary responsibility through TD Ameritrade Institutional custody while emphasizing cybersecurity and transparent fee structures. Our unique value proposition lies in combining Certified Financial Planner, Certified Divorce Financial Analyst, and legal expertise to address tax planning, retirement strategies, and family financial matters.With FINRA and NFA arbitration panel experience, we deliver conflict resolution solutions alongside customized portfolio management based on individual risk profiles. Our practice emphasizes proactive planning through wills, trusts, and collaborative divorce strategies to minimize probate fees and preserve family wealth across generations.
Services
Financial Planning
Estate Planning
Legal Services
Arbitration Mediation
Divorce Analysis
Investment Management
Tax Planning
Details
- Year established: 1996
Highlights and features
- We offer 40+ years of combined legal and financial expertise through a Certified Financial Planner and attorney.
- Our fee-based investment management avoids mutual fund fees while maintaining TD Ameritrade custody.
- We provide bundled legal/financial services to reduce probate costs through coordinated estate planning.
- Our Certified Divorce Financial Analyst offers scenario modeling for optimal marital asset division.
- We serve as FINRA/NFA arbitrators while maintaining fiduciary responsibility for client assets.
Associations and certifications
- FINRA
- NFA
Services
Financial Planning
Our Certified Financial Planner develops customized strategies combining tax optimization with portfolio management. We analyze retirement needs, risk profiles, and asset allocation using individual securities rather than mutual funds. With TD Ameritrade custody, we emphasize capital preservation through fiduciary-approved strategies while minimizing fees.
Estate Planning
We create comprehensive estate plans integrating wills, trusts, and tax strategies to reduce probate costs. Our attorneys draft legal documents while financial planners optimize wealth transfer across generations. This includes 529 plans, social security timing, and business succession strategies tailored to Texas law requirements.
Arbitration Mediation
As FINRA/NFA panel arbitrator and certified mediator, we resolve financial disputes efficiently. Services include securities arbitration, contract mediation, and collaborative divorce proceedings. Our legal background enables cost-effective resolution of business conflicts while protecting client interests through confidential proceedings.
Divorce Analysis
Certified Divorce Financial Analyst services model different settlement scenarios considering tax implications. We provide expert testimony and spreadsheet analysis to optimize property division under Texas law. Our collaborative approach reduces litigation costs while protecting long-term financial interests.
Legal Services
We offer legal counsel on financial matters including contract review, regulatory compliance, and business formation. Our services integrate with financial planning to ensure tax-efficient structures while anticipating legal risks. This includes will preparation and trust establishment aligned with estate planning objectives.
People
John F. Hinrichs
President & Founder
Texas-registered investment adviser and attorney with 40+ years experience. Certified Financial Planner, Certified Divorce Financial Analyst, and FINRA arbitrator. Holds FINRA 3, 7, 63, 65 certifications and Texas insurance licenses. Former industrial contracting executive.
Questions
What financial planning services do you offer?
We provide customized investment management, retirement planning, tax optimization, and comprehensive financial strategies through a Certified Financial Planner.
How do legal and financial services integrate?
Our coordinated approach combines estate planning documents with tax strategies to minimize probate fees and protect family wealth through wills, trusts, and business succession plans.
What estate planning documents are essential?
Essential documents include wills, trusts, powers of attorney, and healthcare directives tailored to Texas law requirements to ensure proper asset distribution.
How do you handle divorce financial analysis?
We model different marital asset division scenarios using tax implications analysis to help clients make informed decisions under Texas finality constraints.
What arbitration and mediation services are available?
We resolve financial disputes through FINRA/NFA arbitration and mediation services, offering cost-effective alternatives to litigation while maintaining confidentiality.
How are investment management fees structured?
Fees are based on assets under management with no mutual fund loads. We emphasize individual securities and avoid 12b-1 fees through TD Ameritrade Institutional custody.
