What We Do
Financial Planning That Puts Your Life First
Our job is to help you live the life that you want, understanding that your money is simply a resource to help do this. Based in New Braunfels, Texas, we serve individuals and families across the state and nationwide.
Who We Serve
Specialized Services
We organize our practice around three distinct communities, each with its own set of financial challenges and aspirations.
Intentional Living
For Families Desiring Early Financial Independence
Comprehensive financial planning for those who want to live life on their own terms. We help you build a roadmap to financial independence so you can focus on what matters most.
Learn More →Intentional Entrepreneur
Helping Business Owners Navigate From Build to Exit
Strategic financial planning for the full business lifecycle. From startup cash flow to exit strategy, we ensure your business wealth translates to personal wealth.
Learn More →Intentional Legacy
For Retirement and Lasting Generational Impact
Retirement planning with multigenerational wealth transfer in mind. Build a legacy that reflects your values and provides for generations to come.
Learn More →Comprehensive Planning
Services We Provide
Every aspect of your financial life deserves thoughtful attention. We bring clarity and coordination across all of these areas.
Investment Management
Disciplined, goals-based portfolio management designed to grow and protect your wealth in alignment with your values and timeline.
Tax Planning
Proactive strategies to minimize your tax burden, including Roth conversions, tax-loss harvesting, and multi-year tax projections.
Retirement Income Optimization
Build a sustainable income plan for retirement that accounts for Social Security timing, pension elections, withdrawal sequencing, and inflation.
Financial Independence Planning
A clear roadmap to financial independence so you can live life on your terms — whether that means retiring early, changing careers, or simply having options.
Cash Flow Planning
Understand exactly where your money is going and redirect it toward what actually matters to you and your family.
Legacy & Estate Planning
Coordinate your estate documents, beneficiary designations, and wealth transfer strategy to protect your family and reflect your values across generations.
Business Owner Planning
Financial planning built for the unique complexities of business ownership, from entity structure and tax optimization to exit strategy and succession planning.
Real Estate Strategy
Evaluate rental properties, 1031 exchanges, and real estate holdings as part of your total financial picture — not in isolation.
Social Security Strategies
Optimize your claiming strategy to maximize lifetime benefits based on your specific situation, health, and retirement timeline.
Bitcoin Consulting
Thoughtful guidance on how Bitcoin fits into a comprehensive financial plan, including allocation sizing, custody, and tax implications.
Insurance Optimization
Review your current coverage to make sure you’re properly protected without overpaying — including life, disability, long-term care, and property insurance.
Medicare & Insurance Planning
Navigate Medicare enrollment, supplement options, and healthcare cost planning as you approach and enter retirement.
College Planning
Plan for education costs strategically using 529 plans, financial aid optimization, and alternatives that don’t derail your other financial goals.
Debt Management Strategy
Develop a plan to eliminate debt efficiently while maintaining progress toward your other financial priorities.
Pension Elections
Analyze your pension payout options to choose the one that best supports your retirement income and legacy goals.
Cashflow Forecasting
Multi-year projections that show where you’re headed financially so you can make confident decisions today.
Benefits & Open Enrollment Planning
Navigate open enrollment with confidence. We help you evaluate and elect the right health insurance plan (including coordination across spousal plans), maximize your HSA, FSA, DCFSA, and LPFSA contributions, and optimize dental, vision, disability, and other employer-sponsored benefits so you’re not leaving money on the table.
Coordination with CPAs, Estate Attorneys & Other Advisors
We work alongside your existing team of professionals to make sure every piece of your financial life is working together.
How We Work Together
A Relationship, Not a Transaction
Financial planning is an ongoing conversation. We stay connected throughout the year so your plan evolves with your life.
Values & Goals Review
We begin each year by revisiting what matters most to you. Life changes, and your financial plan should reflect those shifts. This meeting ensures your plan stays aligned with your evolving priorities and aspirations.
Macro Plan Review
A comprehensive look at the bigger picture. We track your progress toward each financial milestone, refine strategies as conditions change, and make sure every piece of your plan is working in concert.
Always Available Between Meetings
We are active resources, not annual-only advisors. Between your scheduled reviews, we are available by phone, email, and Zoom for any questions, life changes, or financial decisions that come up. Your plan is living and breathing -- and so is our relationship.
Dynamic Planning
Your Life Is Dynamic. Your Plan Should Be, Too.
Our monthly planning calendar provides a structured rhythm for reviewing every dimension of your financial life throughout the year -- from tax planning and investment alignment to estate review and cash flow management.
View the Planning CalendarReady to Align Your Money With Your Life?
Schedule a complimentary conversation with Jim to discuss your financial priorities. Whether you're in New Braunfels, San Antonio, Austin, or anywhere in Texas — we're here to help. No pressure, no sales pitch — just clarity.
Fee-only fiduciary. No sales pressure. Just clarity.