Intentional Living FP
Align your money with what is most important in your life. Fee-only fiduciary financial planning in New Braunfels, Texas — serving families across the state and nationwide.
How It Works
Values → Goals → Decisions → Actions
We hear what’s going on in your life, answer your questions, and figure out together whether we’re the right fit. No pitch, no pressure.
We dig into your values, goals, and full financial picture. Then we build a plan around the decisions in front of you. The analysis behind it runs deep; the plan you carry is short, with specific next steps designed for your life.
A plan only matters once it’s done. We work through each action item with you in focused working sessions, meet formally twice a year to keep everything on track, and stay available in between.
Why We’re Different
Advisors aren’t all paid the same way or held to the same standard. Here’s the difference, plainly.
Commission-Based Advisor
Intentional Living FP
Compensation
May earn commissions or revenue from product sales
Fee-only — we never earn commissions on anything we recommend
Legal Standard
Held to a sales standard, such as suitability or Regulation Best Interest, that applies when a recommendation is made
Fiduciary — legally required to act in your best interest, always
Cost You Can See
Costs may be built into the products you buy, so the total can be hard to see
One fee, paid directly by you and spelled out in writing before we begin
Compensation
Commission-Based Advisor
May earn commissions or revenue from product sales
Intentional Living FP
Fee-only — we never earn commissions on anything we recommend
Legal Standard
Commission-Based Advisor
Held to a sales standard, such as suitability or Regulation Best Interest, that applies when a recommendation is made
Intentional Living FP
Fiduciary — legally required to act in your best interest, always
Cost You Can See
Commission-Based Advisor
Costs may be built into the products you buy, so the total can be hard to see
Intentional Living FP
One fee, paid directly by you and spelled out in writing before we begin
About Your Team
Intentional Living FP is a team of fee-only fiduciary financial planners who help individuals and families align their wealth with what truly matters to them.
We believe money is a tool — not a goal — and that the best financial plans are built around the life you want to live, not just the numbers on a spreadsheet. Your money is simply a resource to help you do what is important in your life.
Based in New Braunfels, Texas, we serve families across Texas and nationwide. We’re real people who happen to be real nerdy about financial planning.
What We Do
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.
Entrepreneurs & Business Owners →For Your 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.
Retirement Transitions →Who We Serve
Confidently transition into retirement with a plan that sustains your lifestyle for decades. We help you navigate income planning, Social Security optimization, and multigenerational wealth transfer so your legacy reflects your values.
Navigate the complexities of business ownership while building lasting personal wealth. From startup cash flow to exit strategy, equity compensation, and executive benefits — we ensure your business success translates to personal financial freedom.
Fee-Only
No commissions, ever.
Fiduciary
Legally bound to your interests.
Comprehensive
Tax, investments, estate, and beyond.
As Featured In
What Clients Say
“They don’t just focus on numbers — they focus on what matters most to you. Their team sees money as a means of creating value, which looks different for every family, and they take the time to understand your goals before giving advice. What really sets them apart is their holistic approach — they coordinate with accountants, attorneys, and other professionals to ensure every piece of your financial picture works together.”
Vaughan
Verified Client • WealthTender
“He is well researched and informed on current policies and strategies to advise us, especially on some atypical situations. He creates a trusting relationship with his openness and responsiveness to both questions and ideas that we may have.”
Emma Price
Verified Client • WealthTender
“We have been working with Jim Crider for 7 years now and couldn’t be happier. He genuinely cares about us and our family’s goals and objectives, which is consistent with his management style: your money is a tool to help you realize your goals. I would recommend Jim without reservation to absolutely anyone looking for a financial advisor whose focus is on you and not just your money.”
Shane Cherry
Verified Client • WealthTender
“Jim and his team are unlike any wealth advisors I’ve ever come in contact with. Their focus on a family mission statement and ultimate set up for the family as a whole has been life changing for us. To be able to put all your trust in a team and know that they have your back makes all the difference.”
Jessica Morgan
Verified Client • WealthTender
“Jim approaches financial planning on a truly individual basis, taking the time to understand my personal goals and dreams. From the very beginning, he was fully on board with my vision, and his guidance has been invaluable in keeping that dream alive. His management of my account has provided both clarity and confidence, giving me the reassurance that my plans are not only possible but sustainable.”
Sabrina Davis
Verified Client • WealthTender
“Most importantly though, Jim has anchored our relationship around my goals and the goals I have for my family; doing so without judging how we want to get there. He’s open to thinking through and collaborating on all investment strategies, and is truly a partner (not a vendor).”
Michael Hoy
Verified Client • WealthTender
Reviews are from verified clients on WealthTender. No compensation was provided for these reviews. Individual experiences may vary. Past performance is not indicative of future results.
Latest Insights
Statement of Financial Purpose
A Statement of Financial Purpose is one sentence that captures what your money is for. What it is, why it anchors a plan, and how to write your own.
Retirement Spending Guardrails: How the Risk-Based Approach Works
How risk-based retirement guardrails set raises and cuts in advance, and why they cut far less than Guyton-Klinger rules in tough historical markets.
Phantom Income on a K-1: How Tax Distributions Protect Co-Owners
LLC and S corp owners owe tax on profit whether or not it is paid out. Where phantom income comes from and how a tax distribution clause works.
Free Assessment
Take our 3-minute financial readiness assessment to discover where you stand — and where you could be.
Free. No account required. Takes 3 minutes.
7 Questions
Get your personalized financial readiness score and actionable next steps in under 3 minutes.
Schedule a complimentary introductory conversation to discuss your financial priorities. No pressure, no sales pitch, just clarity.
Fee-only fiduciary • No commissions • Always on your side of the table