Intentional Legacy
Financial Planning For Retirement and Generational Impact
You've worked hard to accumulate your wealth. Based in New Braunfels, Texas and serving clients nationwide, we help you use the wealth you've earned so you can live the life you desire.
What We Help With
Comprehensive Retirement Planning
From the day you stop working to the legacy you leave behind, we address every dimension of your financial life in retirement.
Investment Management
Goals-based portfolio management designed to protect and grow your wealth through retirement and beyond.
Retirement Income Optimization
A sustainable withdrawal strategy that coordinates Social Security, pensions, investments, and other income sources so your money lasts.
Social Security Strategies
Optimize your claiming strategy to maximize lifetime benefits based on your age, health, spousal situation, and retirement timeline.
Tax Planning
Proactive strategies including Roth conversions, tax-loss harvesting, RMD planning, and multi-year tax projections to keep more of what you’ve earned.
Required Minimum Distribution Planning
Navigate RMD rules strategically to minimize taxes and preserve wealth across your retirement.
Legacy & Estate Planning
Coordinate your estate documents, beneficiary designations, and wealth transfer strategy so your legacy reflects your values across generations.
Pension Elections
Analyze your pension payout options to choose the one that best supports your retirement income and legacy goals.
Medicare & Insurance Planning
Navigate Medicare enrollment, supplement options, and healthcare cost planning as you approach and move through retirement.
Real Estate Strategy
Evaluate your real estate holdings, rental properties, and potential 1031 exchanges as part of your total retirement picture.
Benefits & Open Enrollment Planning
As you approach retirement, your benefits decisions become even more critical. We help you coordinate employer health insurance with Medicare timing, maximize final-year HSA contributions, and evaluate retiree benefit options so the transition is seamless.
Coordination With Other Professionals
We work alongside your CPA, estate attorney, and other advisors to make sure every piece of your financial life works together.
Our Approach
Retirement Should Feel Like Freedom
After decades of saving, the transition into retirement brings a completely different set of questions. Instead of accumulating, you need a plan for distributing — one that keeps pace with your life, protects what you have built, and gives you the confidence to enjoy every chapter ahead.
We take a holistic view of your retirement, weaving together income sources, tax strategy, healthcare costs, and estate goals into a single, coherent plan. Nothing is addressed in isolation because every decision — from when to file for Social Security to how you title your real estate — affects the bigger picture.
Our role is to be your thinking partner: someone who knows your full financial landscape and can help you make decisions with clarity rather than anxiety. Whether you're in San Antonio, Austin, or anywhere across Texas and beyond — we're here to guide you through every stage of retirement.
Who Is This For
Built for Pre-Retirees & Retirees
This service is designed for individuals and couples who are within a few years of retirement or have already made the transition. You have accumulated meaningful wealth and want a clear, personalized strategy for making the most of it.
- You want clarity on when and how to retire on your terms
- You value confidence over complexity in your financial plan
- You care about leaving a meaningful legacy for the people and causes you love
- You want a professional who coordinates all the moving parts so nothing falls through the cracks
“We've been working with Jim Crider and Intentional Living Financial Planning for several years. We were previously with one of the big, brand name financial planning firms. We just weren't making much and while we were told that our plan was customized for us, it was clear that this just wasn't true. Fast forward to today — we couldn't be happier.”— Verified Client Review via WealthTender
FAQ
Common Questions About Retirement Planning
The earlier the better — but it’s never too late. If you’re within 10 years of retirement, now is the time to get serious about building a detailed plan. If you’ve already retired, a plan ensures your wealth lasts and your legacy is protected. We work with clients at every stage of the retirement journey.
There’s no single number that works for everyone. The right answer depends on your lifestyle, income sources, healthcare needs, tax situation, and what you want retirement to look like. We build a personalized plan that shows you exactly where you stand and what adjustments, if any, are needed.
Roth conversions can be a powerful tax strategy — but the timing, amount, and approach matter. Converting too much in one year can push you into a higher tax bracket. We run multi-year tax projections to determine if and when Roth conversions make sense for your specific situation.
It depends on your health, your spouse’s situation, your other income sources, and your overall retirement plan. Claiming at 62 versus 70 can mean a difference of hundreds of thousands of dollars over your lifetime. We model multiple scenarios to help you find the optimal strategy.
A good retirement plan is built to withstand market volatility — not depend on perfect conditions. We stress-test your plan against downturns, inflation, and unexpected expenses so you can retire with confidence regardless of what the market does in any given year.
Always. We encourage both spouses to be part of the planning conversation. When both partners understand the full financial picture, decisions become clearer, communication improves, and the plan is stronger for it.
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Schedule a conversation to see how intentional retirement planning can bring you clarity, confidence, and freedom.
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