Fee-Only Fiduciary Financial Advisor Helping Dallas Families Retire With Confidence

Clear Answers to Your Retirement Planning Questions | Tax-Focused Guidance for Texas Pre-retirees and Retirees

As you transition to or are in retirement, you may face some difficult decisions when it comes to your finances. You don’t have to do this alone, partner with a Certified Financial Planner™.

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The Why

Meet Joe Dowdall

At Worth Asset Management, we believe financial planning goes beyond the numbers—it’s about seeing the years you’ve dedicated to working and saving lead to a confident retirement. Our Dallas-based team includes Joe Dowdall, a fee-only CERTIFIED FINANCIAL PLANNER® with over two decades in financial services and a background in teaching, who specializes in making retirement’s complex moving pieces understandable for families across Texas.

As a fiduciary financial advisor, Joe focuses on the technical work—taxes, retirement income, healthcare costs, and estate planning—while keeping client conversations clear and jargon-free. Whether you’re wondering if you’re saving enough, when you should retire, or how taxes will impact your retirement income, these are exactly the questions Joe helps Dallas families answer every day. His commitment goes beyond managing investments; it’s about creating tax-efficient customized plans that address your unique needs to work toward a future of financial peace and stability.

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COMPANY OVERVIEW

Worth Asset Management is a diversified financial services company that provides a wide range of wealth management services. Headquartered in Dallas, Texas, our team of financial advisors focuses on customized plans to help clients build and safeguard their wealth through retirement.

WHO WE WORK WITH

Retirement planning shouldn’t feel like solving a puzzle with missing pieces. At Worth Asset Management, we help turn the overwhelming complexity of retirement into a plan that makes sense so you can stop worrying about whether you’re doing it right. As fee-only fiduciary financial advisors, we focus on how income, taxes, and investments fit together, so your strategy lines up with what matters most to you.

PRE-RETIREES

Many pre-retirees lie awake wondering: ‘Am I on track? What if I’m missing something important?’ We work with pre-retirees on questions like when to start Social Security, how retirement income might be taxed, and whether savings in IRAs, Roth accounts, and other investments are set up for what’s ahead.

RETIREES

Retirement brings new worries: ‘Will my money last? Am I paying too much in taxes?’ We guide retirees through the decisions that keep plans steady—managing income streams, planning for taxes, and making sure accounts work together to support long-term goals.

Testimonials

“Our trust in Joe is based on his education and experience in financial services, and his willingness to listen and understand our unique needs is one of his greatest strengths. Working with Joe has given us peace and confidence that our financial portfolio will be adequate and available to live the lifestyle we desire in our later years.”

Jeff & Pam

“Through my partnership with Joe, I no longer worry about the longevity of my assets; I sleep better at night knowing he’s in charge. I never hesitate to recommend Joe and share the trust that I have in him to family members and friends. Not only is Joe my financial advisor, but after 12 years of working together, I consider him a dear friend.”

Linda

“Joe Dowdall is extremely knowledgeable and capable, which allows him to adjust his approach to align with my goals and comfort levels. Joe has been a game-changer around managing market risk. Although there are no guarantees, his insight into the market has helped me make proactive moves to avoid significant losses.”

Nicole

“Perhaps Joe’s greatest asset, though, is his passion for us as individuals—his desire for us to travel, enjoy our family, and live our life without the worries of financial market fluctuations. For Ronnie and myself, Joe has focused on our top priority of not becoming a financial burden to our kids, and through our partnership, we have confidence and peace that we will achieve this goal.”

Rex

“My approach in recommending Joe has simply been to give someone his contact information and let them decide for themselves if it’s a good fit. My two sisters are very far apart in age, live in different states, and both have been with Joe for some time now; one of my them introduced her best friend to Joe, and she too has been his client for several years.”

Carroll

Where Would You Like to Begin?

At Worth Asset Management, our fiduciary duty drives us to provide you with a holistic approach to tax-efficient financial planning. As a dedicated financial advisor, our proactive, disciplined approach means your financial plan evolves as your life changes, always aiming for long-term success and stability.

Investment Management in Dallas, TX

Our investment strategy helps protect your wealth, especially during the crucial five years before and after retirement. We aim to minimize significant losses while aligning your investments with your life goals, providing stability when it's most important.

Fiduciary Financial Planning in Dallas, TX

Our comprehensive financial planning services are designed to help you navigate the intricacies of your financial life. From tax optimization to estate planning and more, we offer customized strategies to help you work toward meeting your specific needs and goals. See a sample financial plan here.

Retirement Planning in Dallas, TX

Our retirement planning services are designed to align with your lifestyle goals, aiming to help you enjoy your golden years with less stress. We take a comprehensive approach, covering savings, investments, tax efficiency, and long-term care, all to help support your vision of retirement.

Tax Planning in Dallas, TX

Minimizing your tax liability is a key component of financial success. Our tax planning services are designed to identify opportunities for tax savings, helping you keep more of your hard-earned money. We stay up to date with the latest tax laws and strategies to provide proactive advice that elevates your financial well-being.

OUR PROCESS

Many people come to us feeling overwhelmed by conflicting advice online or frustrated by advisors who speak in acronyms. Joe’s approach is different. As a former educator, he believes complex financial concepts should be explained in plain English—no jargon, no assumptions about what you already know. He takes time to break down how income, taxes, and investments work together, so clients feel comfortable with each decision.

As a fee-only fiduciary financial advisor, Joe doesn’t work for commissions. His role is to provide advice that fits each client’s situation and priorities, and to walk through the reasoning behind every recommendation.

The process starts by learning what matters most—how you’ve saved, what you want retirement to look like, and the concerns on your mind. From there, Joe builds a plan tailored to your life and revisits it over time as things change. Through regular conversations and transparent updates, clients stay informed and engaged, with decisions grounded in what’s most important to them.

Initial Phone call

Initial Office Visit

Educate / Analyze

Second Meeting

Sleep On It

Onboarding

Want to Start a Conversation?

Don’t just take our word for it—see what our clients have to say about working with Joe.

If you’re ready to talk through your retirement plan or want a second opinion on opportunities you might be missing, I offer a free, no-obligation call. No sales pitch. Just answers to your questions, and a chance to see if working together makes sense.

Schedule a Consultation