Your Full Service Financial Planning Team

In a world of confusing headlines and challenging markets, it takes more than investment guidance to help you confidently move forward. It takes an understanding of your entire financial life, your hopes and dreams. You also need a clear road map for getting where you need to go.

As your personal advocate, I can provide you with advice that is tailored to your circumstances and priorities. I’ll begin with a comprehensive plan for all you’d like your wealth to achieve. Over time, I will continue to adjust it, should circumstances change, so you can embrace your financial future with confidence no matter what the environment.

Services Provided
  • Financial Planning
  • Wealth Management
  • Retirement Planning
  • 401(k) Rollovers
  • Estate Planning Strategies
  • Professional Portfolio Management
  • Alternative Investments
  • Sustainable Investing
  • Long Term Care Insurance
  • Tax Preparation

Understanding your goals is the centerpiece of our recommendations and strategies.

 Envision® is a registered service mark of Wells Fargo & Company and used under license.

Javier Larrea

Financial Advisor, Vice President
jlarrea@carystreetpartners.com
512.275.0813 Office
View Bio

Seth Whitney

Financial Advisor
swhitney@carystreetpartners.com
512.275.0831 Office
View Bio

Maria Escobar

CPA – Financial Advisor, Vice President
mescobar@carystreetpartners.com
512.275.0846 Office
512.947.5471 Mobile
View Bio

Kathy Haskin

Branch Operations Manager, Client Service Associate – Registered, Vice President
khaskin@carystreetpartners.com
512.275.0840 Office
512.588.9250 Mobile

View Bio
Planning

Planning is a map, investments are the vehicle. Our long-term prudent investment strategy is based on 50+ years of research for our clients. Our investment philosophy is based on the science of capital markets and decades of time-tested industry research.

Research Driven

Our investment philosophy is deeply rooted in academic research, and we incorporate both strategic and tactical asset allocation to potentially deliver optimal risk-adjusted returns. We collaborate with leading financial academics to identify a sensible approach to your portfolio design.  We diversify clients across a multitude of asset classes to help reduce portfolio volatility.

Measured Approach to Risk

We believe that clients’ risk tolerance should be determined by the level of return necessary or desired to achieve clients’ objectives.

Importantly, we believe that risk should only be undertaken to the extent necessary to achieve a client’s goals.

Timing the Market Doesn’t Work

“I can’t recall ever once having seen the name of a market timer on Forbes‘ annual list of the richest people in the world. If it were truly possible to predict corrections, you’d think somebody would have made billions by doing it.” – Peter Lynch

Lower Cost Investment Structure

Portfolio costs have a direct impact on portfolio performance; we seek to keep the total expense structure low by utilizing low cost institutional class mutual funds.1

[1] Investment return and principal value of mutual funds will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost.

Login to your Cary Street Partners accounts – https://carystreetpartners.com/

Login to your Financial Portal – https://wealth.emaplan.com/ema/CS/Home

Access to – Financial Plan Discovery

Download our – New Client Questionnaire

Access Mortgage Calculator https://www.zillow.com/mortgage-calculator/

Access College Savings Calculator https://www.virginia529.com/resources/calculators/

Protecting Your Digital Assets – Tips for how to create a Digital Estate Plan

Services
Your Full Service Financial Planning Team

In a world of confusing headlines and challenging markets, it takes more than investment guidance to help you confidently move forward. It takes an understanding of your entire financial life, your hopes and dreams. You also need a clear road map for getting where you need to go.

As your personal advocate, I can provide you with advice that is tailored to your circumstances and priorities. I’ll begin with a comprehensive plan for all you’d like your wealth to achieve. Over time, I will continue to adjust it, should circumstances change, so you can embrace your financial future with confidence no matter what the environment.

Services Provided
  • Financial Planning
  • Wealth Management
  • Retirement Planning
  • 401(k) Rollovers
  • Estate Planning Strategies
  • Professional Portfolio Management
  • Alternative Investments
  • Sustainable Investing
  • Long Term Care Insurance
  • Tax Preparation

Understanding your goals is the centerpiece of our recommendations and strategies.

 Envision® is a registered service mark of Wells Fargo & Company and used under license.

Meet The Team
Javier Larrea

Financial Advisor, Vice President
jlarrea@carystreetpartners.com
512.275.0813 Office
View Bio

Seth Whitney

Financial Advisor
swhitney@carystreetpartners.com
512.275.0831 Office
View Bio

Maria Escobar

CPA – Financial Advisor, Vice President
mescobar@carystreetpartners.com
512.275.0846 Office
512.947.5471 Mobile
View Bio

Kathy Haskin

Branch Operations Manager, Client Service Associate – Registered, Vice President
khaskin@carystreetpartners.com
512.275.0840 Office
512.588.9250 Mobile

View Bio
Investment Philosophy
Planning

Planning is a map, investments are the vehicle. Our long-term prudent investment strategy is based on 50+ years of research for our clients. Our investment philosophy is based on the science of capital markets and decades of time-tested industry research.

Research Driven

Our investment philosophy is deeply rooted in academic research, and we incorporate both strategic and tactical asset allocation to potentially deliver optimal risk-adjusted returns. We collaborate with leading financial academics to identify a sensible approach to your portfolio design.  We diversify clients across a multitude of asset classes to help reduce portfolio volatility.

Measured Approach to Risk

We believe that clients’ risk tolerance should be determined by the level of return necessary or desired to achieve clients’ objectives.

Importantly, we believe that risk should only be undertaken to the extent necessary to achieve a client’s goals.

Timing the Market Doesn’t Work

“I can’t recall ever once having seen the name of a market timer on Forbes‘ annual list of the richest people in the world. If it were truly possible to predict corrections, you’d think somebody would have made billions by doing it.” – Peter Lynch

Lower Cost Investment Structure

Portfolio costs have a direct impact on portfolio performance; we seek to keep the total expense structure low by utilizing low cost institutional class mutual funds.1

[1] Investment return and principal value of mutual funds will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost.

Client Resources

Login to your Cary Street Partners accounts – https://carystreetpartners.com/

Login to your Financial Portal – https://wealth.emaplan.com/ema/CS/Home

Access to – Financial Plan Discovery

Download our – New Client Questionnaire

Access Mortgage Calculator https://www.zillow.com/mortgage-calculator/

Access College Savings Calculator https://www.virginia529.com/resources/calculators/

Protecting Your Digital Assets – Tips for how to create a Digital Estate Plan

Javier Larrea – Financial Advisor, Vice President

Licenses – Series 7, 65, 63, 31, Group 1 Life Insurance

Education – Texas A&M – 1989

Javier is a financial advisor for Cary Street Partners LLC, a Luxon Financial company. He has over 20 years of experience in the brokerage and financial services industry. Javier worked for UBS Paine Webber and Prudential Securities prior to joining Cary Street partners, formerly RiverStone Wealth Management.

Javier’s guiding principle is work with a servant’s heart and always put the client’s interest first when giving advice.  Javier has every client go through a five step process to help them achieve their financial goals.

1. Define major life goals

2. Stress test goals using Monte Carlo simulations

3. Recommendation

4. Implementation

5. Monitor progress

Javier’s outside interest include volunteering for various organizations.

– Mobile Loaves and Fishes - feeding the homeless and providing dignity to those less fortunate. Javier has been a part of this organization for over 17 years.

– St. Thomas More Catholic Church – serving in various ministries

– Meals on Wheels – Javier created a team in the Austin office serve the homebound on a weekly basis.

– Catholic Charities - working with disaster relief in the central Texas region.

Other interests include playing tennis, weight training and reading. Javier has been married to Karen for 22 years and they have four children together - Justin, Madison, Andrew, and Zoe.

Seth Whitney – Financial Advisor

Licenses – Series 7, 66.  Group 1 Life Insurance

Degree – University of Texas - 2004

Seth Whitney is a financial advisor for Cary Street Partners LLC, a Luxon Financial company. He has over 13 years of experience in the brokerage and financial services industry working directly with clients to help build, manage, protect, and transition their wealth. He collaborates with clients to articulate their financial goals and provide solutions to help ensure that those goals are realized.

Seth is a graduate of the McCombs School of Business at the University of Texas at Austin. He also completed the Financial Planning Certificate Program at the Center for Professional Education at the University of Texas while working as a financial advisor.

Seth enjoys working with the local community and participated in Meals on Wheels, serving on a team that delivered meals to the homebound on a weekly basis. His other interests include watching live music, running, hiking, and reading.

Seth and his wife, Stephanie, have been married for over 10 years and have 2 sons, Hunter and Cohen.

Maria Escobar – CPA - Financial Advisor, Vice President

Licenses – Series 7, 66

Education – University of Texas at San Antonio, BBA, Accounting

Maria provides comprehensive investment advisory and wealth management services as well as tax preparation, planning and advice for individuals and businesses. She is a CPA as well as a financial advisor for Cary Street Partners LLC, a Luxon Financial company. She has over 25 years of experience as a CPA and over 10 years of experience in the brokerage and financial services industry.  She believes that the combined practice brings synergy to overall financial management by fully incorporating tax considerations to investment decisions and financial planning.

Prior to starting her private CPA practice, Maria worked in both public and private accounting.  This diverse background facilitates her advisory efforts working with individuals as well as entrepreneurs and business owners building their companies and wealth as well as analyzing markets and investments.

Maria is on the board and is the Treasurer for RESCU Foundation, Inc., a non-profit organization established in 2003 to promote and maintain the health and medical well-being of Renaissance Faire participants and artisans.

In her free time, she enjoys spending time with her family, cooking, reading, camping, scuba diving and attending Renaissance Fairs.

Kathy Haskin – Branch Operations Manager, Client Service Associate - Registered, Vice President

Licenses – Principles 28, Series 7

Degree – Washington State University 1982

Kathy is the Branch Operations Manager and Client Service Associate for Javier.  Kathy has over 25 years of experience in accounting and finance and 10 years of experience in the financial services industry.  Her career in the industry began is the FINOP for RiverStone Wealth Management in 2010.

Kathy’s outside interests include exercising and spending time with her 6 grandchildren