Fee-Only · Fiduciary · No Commissions
Fee-only wealth management for business owners, executives, and families nearing or in retirement.
Based in New Braunfels, Texas. Serving clients nationwide.
As Featured In
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.
Retirement Transitions →Build lasting personal wealth outside the business you’ve built. From entity structure and owner pay to succession and the sale itself, we help your business success become personal financial freedom.
Entrepreneurs & Business Owners →Turn equity, bonuses, and deferred pay into a clear plan. We help you navigate stock options and RSUs, deferred compensation elections, concentrated company stock, and the transition out of your career.
Corporate Executives →Case Studies
Names, details, and figures are changed to protect client privacy. Each story reflects the kind of planning we do.
A couple in their mid-60s with $12 million, a business, and commercial real estate, ready to retire but unsure how to sequence the transition.
Read Their Story →A senior executive couple earning nearly $1 million, planning to retire, relocate, and build a charitable foundation, with dozens of planning decisions to coordinate.
Read Their Story →A couple earning $900,000 with a $9 million net worth that doubled in a year: high income, simple goals, and no planning structure in place.
Read Their Story →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
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.
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.
Insights
More than 100 articles on the tax, retirement, estate, and business questions our clients face, written for readers who want the mechanics.
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.
SLATs After OBBBA: How Spousal Lifetime Access Trusts Work in 2026
How a spousal lifetime access trust works under the permanent $15 million exemption: who still needs one, the basis trade, and Texas funding rules.
How a Business Is Valued for Sale: SDE, EBITDA, Multiples, and Terms
How buyers value a private business: SDE vs. EBITDA, add-backs, what sets the multiple, and how deal terms turn a headline price into cash.
Free Guides
Plain-English PDF guides to the decisions we work through with clients, free for your email.
Free PDF Guide
The eight exit paths, asset vs. stock sales, QSBS, installment sales and earnouts, ESOPs, and the year-of-sale tax plan, all in one PDF.
Get the guide →Free PDF Guide
Beyond the will: beneficiary designations, the $15 million exemption, annual gifting, step-up basis, and when trusts earn their keep.
Get the guide →Free PDF Guide
Tax-smart generosity: donor-advised funds, bunching, appreciated stock, QCDs, and the 2026 rules that change the math of giving.
Get the guide →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
