Our Team

Rachelle graduated cum laude from East Texas Baptist University with a Bachelor of Science in Education. There she majored in Mathematics with a double-minor in Computer Information Systems and Music. After graduation she entered the teaching profession and for 13 years taught physics, calculus, algebra, geometry and consumer math to high school students.

Rachelle began working with Consider It Done and Jessica Riner in 2006 and her focus is client account servicing and leading special projects for clients. Her attention to detail, math and computer background make her a natural fit for our team.

She has an active family life with 4 young children: Connor, Cooper her biological children and Casey and Valerie were adopted from Ukraine.

Charles has made a personal commitment to helping widowed and divorced women of means live secure and satisfying lives. In a complementary area of practice, Charles guides clients through the financial transitions of retirement. Both areas of practice require thorough understanding of the financial issues that are involved and sensitivity to the personal and emotional challenges that accompany them.

Having assisted hundreds of families for more than three decades, Charles brings a practical and experienced perspective to his role as a personal chief financial officer for families in transition as a result of death, divorce, or retirement. His experience includes serving some of the wealthiest families in the country as a financial analyst in a private trust company; analyzing and reporting on the effectiveness of executive benefit plans to the HR executives of major US companies; conducting regular in-house retirement planning seminars for an S&P 500 company; conducting educational seminars for employees of major companies about how to coordinate financial planning and their employer’s company benefits; speaking as a guest lecturer at Texas Tech in the Personal Financial Planning program; and working with client’s attorneys in the division of property in divorces and in estates.

Charles is a Certified Financial Planner™ practitioner, Accredited Estate Planner® and a NAPFA-Registered Financial Advisor. He is a past President of the Houston Estate and Financial Forum. Other professional experience includes being past President of the University Area Rotary club, past President and Board Chair of the Houston Society of the Institute of Certified Financial Planners (a precursor to the Financial Planning Association), former Treasurer for the South Region of the National Association of Personal Financial Advisors (NAPFA) and former Treasurer of the Planned Giving Council of Houston. Charles is a graduate of the University of Texas at Austin and currently lives in west Houston with his wife of more than 20 years and two children.

Joe is a personal chief financial officer who assists a limited number of successful business owners make smart financial decisions and achieve everything that’s important to them.

With over two decades of experience in assisting business owners address their complex financial challenges, Joe's resume includes tenures as a tax specialist, a corporate controller, a financial advisor and a trust officer for both public and private enterprises.

Joe’s ability to understand the specific needs of business owners allows him to deliver unparalleled guidance while helping his clients keep perspective and maintain the successes they have achieved. His research has found that business owners typically take their risks and make their wealth through their businesses rather than their investment portfolios. Joe therefore focuses on employing conservative and proven investment strategies designed to properly diversify his clients’ net wealth and provide them with a reliable and worry-free lifestyle outside of their businesses.

Joe, who is a licensed Certified Public Accountant in Texas, is a graduate of the University of Mississippi. He is a member of the Personal Financial Planning section of the American Institute of CPAs, the Texas Society of CPAs and the Houston Estate and Financial Forum. He is an avid tennis player who resides in the Spring Branch area of Houston with his wife of more than 34 years and they have two adult children.

This firm is not a CPA firm.