Retirement Planning in Houston, Texas.
Retirement isn't a single decision; it's a sequence of them. I help Texas pre-retirees and retirees think through income, taxes, healthcare, and risk in a single coordinated plan — so you can decide with confidence rather than react.
At a glance
- Best for
- Ages 55–72 within 10 years of retirement
- Format
- In-person Houston · Virtual where licensed
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, attorney, plan administrator
Situations I see most often.
- You're 5–10 years from retirement and want to stress-test the date.
- You've recently retired and need a sustainable withdrawal strategy.
- You hold concentrated employer stock or a pension you need to evaluate.
- You want one advisor coordinating taxes, investments, and insurance — not three.
- You're widowed or recently divorced and re-baselining your plan.
What the engagement covers.
- Retirement income projection across multiple market scenarios.
- Social Security claiming analysis (single, spousal, survivor).
- Tax-aware withdrawal sequencing across taxable, tax-deferred, and Roth accounts.
- Roth conversion modeling through age-73 RMD windows.
- Healthcare bridge planning to Medicare and IRMAA awareness.
- Investment allocation aligned to your income horizon.
- Annual review meetings and life-event check-ins.
A measured approach, in clear steps.
Discovery conversation
An introductory meeting — anywhere from 5 to 45 minutes, your call — in person in Houston or by Microsoft Teams. You describe what you have, what you want, and what concerns you. No paperwork, no obligation.
Data gathering
I'll request statements, your most recent tax return, Social Security estimates, and any pension or benefit summaries — only what's needed to model your situation accurately.
Plan design
I build the income, tax, and investment plan, run scenarios against down markets and longevity, and walk you through the tradeoffs in clear language.
Implementation
I handle the paperwork — accounts opened, rollovers initiated, beneficiaries verified — and coordinate with your CPA and attorney where needed.
Ongoing review
We meet regularly to adjust for markets, tax-law changes, and your life. Plans go stale if they aren't tended; mine don't.
Built around how Texas families actually retire.
Many of my clients are retiring from one of Houston's large employers — ExxonMobil, Chevron, Shell, SLB, Phillips 66, BP, or NASA — and that shapes the planning. Texas has no state income tax, but federal brackets, IRMAA, and net-investment-income tax still apply, and some employer plans (deferred comp, NUA-eligible stock, cash-balance pensions) have decisions you can't undo. Local context matters.
Plain-English answers.
When should I start retirement planning?
How much do I need to retire in Houston?
Do I have to move my accounts to work with you?
How do you charge?
What if I already work with a CPA or attorney?
Is my first meeting really complimentary?
Recent articles on this topic.
A few plain-English notes that connect to this service. Use them as background before our first conversation, or skip ahead.
Roth conversions in the gap years before RMDs.
If you retire in your early sixties and your required minimum distributions don't start until 73, you have a d…
Taxes & Retirement Income · 7 min readThe HSA — the most tax-efficient retirement account most people ignore.
Three different tax breaks in one account. No income limits. Contribution dollars grow tax-free forever, can b…
Retirement Planning · 7 min readShould you pay off your mortgage before retiring?
Paying off the mortgage feels right. Often, mathematically, it's not. Sometimes, behaviorally, it absolutely i…
You might also be thinking about…
Let's talk about your situation,
not a generic plan.
The first conversation is complimentary — anywhere from 5 to 45 minutes, your call. No pitch, no pressure. We'll cover what you have, what concerns you, and whether working together makes sense.