JR Chappell - Totus Wealth Management

JR Chappell - Totus Wealth Management Securities offered through Cetera Advisors LLC, member FINRA/SIPC. Cetera firms are under separate ownership from any other named entity.

Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser.

Take a Break!Is checking your investment accounts daily really worth the stress or aggravation? The market will go up, ...
06/18/2026

Take a Break!

Is checking your investment accounts daily really worth the stress or aggravation? The market will go up, down, & sideways regardless of how often we look at it. In fact, usually the most tranquil investors are the ones who check their accounts less frequently.

A patient, disciplined investor works with a trusted advisor to identify their appropriate risk tolerance, time horizon, and budget goals; invests according to those criteria, and chills. A quick review periodically during the year is plenty sufficient to determine if any corrections are necessary.

Let's have a conversation about your goals and how to help you achieve them.


Beware the IPOThere is a ton of hype on Wall Street about several upcoming IPOs (Initial Public Offering) and what that ...
06/16/2026

Beware the IPO

There is a ton of hype on Wall Street about several upcoming IPOs (Initial Public Offering) and what that might mean for investors. The cheerleaders will tell you that getting in on the ground floor is a surefire way to get in while the gettin's good and you don't want to miss the boat.

The truth is a bit muddier than that - in fact, several of the largest companies in the world at one point (Sears, Bed Bath & Beyond, Blockbuster video, and others) are completely bankrupt and out of business now. Even those companies that succeed often have a bumpy ride in the first several months.

The better bet is to stay invested in low-cost index funds, for example tracking the S&P 500 index or even the entire stock market in one fund - eventually, these hot IPO companies can be included and that's when the average investor gains exposure. Trying to guess which company is ready to take off to the moon is not a great strategy; owning the entire market gives you a much better chance!

Contact me today and let's talk about your current investments.


Building wealth for tomorrow frequently means making sacrifices today. Successful, long-term investors usually have at ...
06/15/2026

Building wealth for tomorrow frequently means making sacrifices today. Successful, long-term investors usually have at least one thing in common - not wasting money on non-essential items like new cars, luxury goods, or frivolous impulse purchases. Instead, they prioritize long-term investments that can grow over time.

Would you rather spend $800 on a car payment, or have a $300 car payment and send $500 into your 401k or IRA?

Would you rather pay interest to the bank on a credit card balance that never goes down, or would you rather get rid of that debt and start paying yourself instead?

None of us have unlimited resources - start prioritizing your financial well-being and ditch today's latest gadgets (which nobody really cares about anyway). Your future self will thank you!

The Crushing Car LoanAccording to Forbes magazine (May 2026), the average monthly car payment in America is around $700....
06/11/2026

The Crushing Car Loan

According to Forbes magazine (May 2026), the average monthly car payment in America is around $700. The US Census Bureau estimates the average monthly housing cost for Americans is a touch over $2,000 (as of 2024). As a society, we are spending basically 1/3rd of our monthly housing cost on car & truck loans.

One sure way to stay in financial bo***ge is to carry an expensive vehicle payment and roll it into a new loan the next time you buy another one. Imagine having an extra $400, $500, $600, or more back in your own pocket each month because you focused on paying off the car loan before buying any other vehicles.

Step 1 - pay extra principal each month on your loan to get it paid down faster (and save yourself interest along the way).
Step 2 - provide regular maintenance along the way to keep that same car running as long as possible.
Step 3 - never, ever buy a new car at the dealership; you're just throwing money away on a depreciating asset. Instead, buy a used model that's only 1 or 2 years old that should still be in decent shape and thousands of dollars cheaper than a brand new one.



Are you stressed about the stock market? Don't be! Focus on the things within your own control - managing your budget,...
06/09/2026

Are you stressed about the stock market? Don't be! Focus on the things within your own control - managing your budget, living within your means, avoiding excessive debt, and contributing regularly to your retirement.

A good advisor can help you invest appropriately for your risk tolerance and time horizon; everything else is just distracting noise. Tell me in the comments what stresses or anxiety you have about investing and let's talk about it.


The Fiduciary Risk Offering a 401(k) plan comes with responsibility. Many employers don’t realize they are considered f...
06/04/2026

The Fiduciary Risk

Offering a 401(k) plan comes with responsibility. Many employers don’t realize they are considered fiduciaries under ERISA. That means they are responsible for making sure the plan is reasonably priced, properly managed, and monitored regularly.

The good news? With the right structure and documentation, this risk can be managed. I can help with that, let's talk.



The Case For Diversification It's a big wide world out there. Lots of different goods & services, created by lots of di...
06/01/2026

The Case For Diversification

It's a big wide world out there. Lots of different goods & services, created by lots of different countries, all being bought and transported to lots of other countries! Nobody knows what will happen as global markets evolve & modernize. A prudent investor places him/herself in a position to capitalize on world markets.

Talk to me and let's review your accounts to make sure you are diversified appropriately as well.



The "Too Many Funds" ProblemMore choices doesn’t always mean better choices; some 401(k) plans offer 50+ investment opti...
05/29/2026

The "Too Many Funds" Problem

More choices doesn’t always mean better choices; some 401(k) plans offer 50+ investment options! In fact, a number of large employers have even been sued under ERISA law for offering too many investment options in their 401k fund lineup.

Research shows employees often struggle when there are too many choices; a well-designed plan usually focuses on a smaller, curated lineup that makes investing simpler. Sometimes less really is more. Contact me and let's review your company's 401k investment lineup and ensure it's appropriate for the employees' benefit.




The “Set It and Forget It” Trap A 401(k) plan is not a crockpot; you can’t just set it and forget it for 10 years. Plan...
05/26/2026

The “Set It and Forget It” Trap

A 401(k) plan is not a crockpot; you can’t just set it and forget it for 10 years. Plans should be reviewed regularly for investment performance, fees, compliance, & employee participation.

Most companies are surprised how many improvements can be made with a simple annual checkup. When was the last time you looked at yours? Contact me now, I can help.




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Branch Address: 701 N Post Oak Road, Suite 320
Houston, TX
77024

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