Retirement Planning in Austin, Texas for Pre Retirees and Retirees

Start with the life your savings need to fund. We build an income plan around your spending, your retirement date, and the money coming in from pensions or work. A withdrawal rate is the share of your savings you spend each year. It needs room for inflation, uneven market returns, and the chance that retirement lasts longer than expected.

Next, connect the accounts to the plan. We review withdrawal order, the years available for Roth conversions, Social Security timing, Medicare premiums, and coverage before 65. Estate basics matter too: beneficiaries, account ownership, and documents prepared by your attorney. Your custom stock and bond portfolio supports those decisions rather than sitting apart from them. The guides below explain the pieces in plain language.

Texas has no individual state income tax. Traditional IRA withdrawals, Roth conversions, and realized investment gains can still create federal tax, but there is no Texas state income tax layer. That gives you a useful starting point when choosing which account to spend from and when to move money into a Roth IRA. It does not make every conversion the right decision.

The years after you stop working and before required minimum distributions begin can be especially valuable. Required minimum distributions, or RMDs, are withdrawals the government requires from certain retirement accounts. Their starting age depends on your birth year, generally 73 or 75 under current law. During the earlier years, lower earned income may leave room for planned withdrawals or conversions. We weigh that opportunity against Medicare premiums, health coverage subsidies, and your future income.

Our retirement planning work typically serves households age 50+ with $700K or more in investable assets. Many are within ten years of retirement. Others have already retired and want help turning scattered accounts into a coordinated income plan. Investable assets means money in retirement and investment accounts, not the value of your primary home.

You do not need to live in Austin. We work with clients across Texas and can meet virtually. The common thread is wanting one firm to coordinate the plan and portfolio with the tax decisions your CPA or preparer handles. Some households need a second opinion on a retirement date. Others need a fresh look at withdrawals, RMDs, or a surviving spouse’s finances. The $700K figure describes our typical retirement audience, not a new account minimum.

Begin with the free retirement assessment. It gives you a starting point for a conversation, not a prediction or a personalized recommendation. Then we meet to learn about your accounts, spending, family, and timeline. We want to understand what retirement should look like for you before talking about changes to your money.

From there, we outline a personalized one page retirement plan and talk through the assumptions behind it. You can review that plan before deciding whether to work with us. There is no charge for financial planning. If you choose ongoing investment management, the annual fee is a percentage of the assets we manage. Tax return preparation and legal work remain with the qualified professionals who provide those services. We coordinate with them so the important decisions fit together.