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About the Tolbert Financial Group

Finances can be the most personal information you share. With our group we recognize your financial situation is entirely unique and requires a personalized strategic plan. Developing an investment strategy involves careful consideration of your financial goals, risk tolerance, time horizon, and market conditions. These attributes, in addition to personal, familial, and professional circumstances, all play an important role in how we design and maintain our plans. Our compensation model allows for your goals and our goals to be in alignment. It is this belief system that has paved the way for us to retain clients, some for multiple decades.

Investment & Tax Philosophy

Investment and tax strategy go hand in hand when it comes to building and preserving wealth. Effective planning in both areas can help you maximize your returns and minimize your tax liabilities. We believe certain strategies stand the test of time. Simply, allocating your money to different asset categories can help decrease your risk and increase your return. With such differences in tax rate, between dividends and interest income, it can be much more beneficial to allocate investments based on tax efficiency as well. Our cash flow analysis software helps to evaluate the best time to retire based on your particular income and tax needs. With creative strategies and a tailored plan, we’ve assisted our clients in achieving their goals.

Stephen Tolbert

Senior Managing Director

713-366-0542 | stolbert@uscallc.com

Mr. Tolbert is a Senior Managing Director at U.S. Capital Advisors. Stephen comes to USCA with almost 35 years of serving clients in the financial industry. Stephen graduated from the University of Texas with a bachelor’s degree in Business Administration, Finance and Marketing, from The McCombs School of Business. Prior to joining US Capital Advisors in 2022, Stephen spent 19 years at Morgan Stanley, and 13 years at UBS. Stephen lives in Houston with his wife, Julie, and son, Zachary. They enjoy traveling, CrossFit and attending UT football games.

Daniel Garcia

Senior Registered Client Associate

713-366-0564 | dgarcia@uscallc.com

Mr. Garcia is a Senior Registered Client Associate at U. S Capital Advisors. Daniel comes to USCA with over 20 years of experience serving his clients. Prior to USCA, Daniel spent 13 years at UBS and prior years with other firms. Daniel lives in Pearland with his wife, Renee and two sons, Jacob and Andrew. They enjoy camping, being a boy scout pack leader, and volunteering at the Houston Livestock and Rodeo.

Cecile Franklin

Client Service Associate

713-366-0653 | cfranklin@uscallc.com

Mrs. Franklin is a Client Service Associate at U.S. Capital Advisors. Cecile comes to USCA after a career in teaching. She lives in Houston with her husband, Randall and enjoys CrossFit and visiting her kids and grandkids.

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