San Antonio is one of the largest military communities in the country — and one of the most financially underserved when it comes to independent, fee-only financial planning.
At Intentional Living Financial Planning, we work with San Antonio families who are navigating some of the most complex financial decisions of their lives. From military retirement and TSP optimization to civil service pensions and VA benefits coordination, the planning needs here are specific, high-stakes, and deeply personal.
Our office is just 30 minutes northeast in New Braunfels, and we serve San Antonio clients both in person and virtually.
Who We Work With in San Antonio
Many of our San Antonio clients are active-duty military, retired military, or civil servants. They've spent careers in service and are now transitioning into a phase where their financial decisions carry enormous long-term consequences — pension elections, TSP rollovers, Survivor Benefit Plan decisions, VA benefit coordination, and Social Security timing.
Others are families in what we call the “intentional living” phase — they've accumulated meaningful wealth and are ready to align their resources with what actually matters to them. They're done chasing benchmarks and ready to build a financial plan around their life, not the other way around.
We also work with San Antonio business owners who are scaling, preparing for a sale, or navigating the financial complexity that comes with entrepreneurship in a growing metro.
What Makes Financial Planning in San Antonio Unique
Military retirement and TSP planning. San Antonio's military presence means a large number of families are navigating the Blended Retirement System, legacy pension decisions, and TSP allocation and rollover strategy. These decisions are often irreversible — and getting them right requires a planner who understands the nuances.
Civil service and federal employee benefits. FERS pensions, FEHB insurance coordination, TSP contribution strategy, and Survivor Benefit Plan elections all require specialized knowledge. We help federal employees and retirees maximize their benefits and integrate them into a comprehensive financial plan.
VA benefits coordination. For veterans, VA disability compensation, VA healthcare, and education benefits interact with your broader financial picture in ways that most advisors overlook. We make sure your VA benefits are factored into your tax strategy, retirement income plan, and estate plan.
A city in transition. San Antonio is growing rapidly — attracting new residents, new businesses, and new wealth. Whether you've been here for decades or just arrived, the financial landscape is shifting. We help you navigate it with clarity and intention.
Families seeking alignment. Many of our San Antonio clients aren't looking for aggressive growth strategies or complex investment products. They want to know that their money reflects what they value — family, faith, community, and freedom. That's what we do best.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — investment management, tax planning, retirement income optimization, TSP strategy, pension elections, VA benefits coordination, estate planning, business exit strategy, real estate consulting, Bitcoin integration, cash flow planning, benefits and open enrollment guidance, and coordination with your CPA, estate attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.