# Intentional Living FP > Fee-only fiduciary wealth management firm founded by Jim Crider, CFP®, based in New Braunfels, Texas. We help individuals and families navigating financial complexity align their wealth with what matters most in life. Our planning framework: Values → Goals → Decisions → Actions. Our signature concept is the Statement of Financial Purpose — the one-sentence "why" that anchors every financial plan. Intentional Living FP (ILFP) serves clients across Texas and nationwide. The firm is fee-only — no commissions, no product sales — and serves as fiduciary at all times. Services include comprehensive financial planning, tax planning, investment management, estate planning, retirement planning, business consulting, business exit planning, real estate consulting, Bitcoin consulting, and cash flow planning. Target clients are individuals and families navigating financial complexity. The tagline at the bottom of every CTA: "Fee-only fiduciary · No commissions · Always on your side of the table." ## About - [About Jim Crider, CFP®](https://www.intentionallivingfp.com/team/jim-crider): Founder's bio, credentials, expertise, and personal background - [Team](https://www.intentionallivingfp.com/team): Meet the full team - [Philosophy](https://www.intentionallivingfp.com/philosophy): The values-based planning framework (Values → Goals → Decisions → Actions) - [Are We Right For You?](https://www.intentionallivingfp.com/are-we-right-for-you): Who we serve and who we don't - [What to Expect](https://www.intentionallivingfp.com/what-to-expect): Client onboarding process - [Fee Structure](https://www.intentionallivingfp.com/fee-structure): How we're compensated — fee-only, no commissions - [FAQ](https://www.intentionallivingfp.com/faq): Frequently asked questions ## Services - [What We Do](https://www.intentionallivingfp.com/what-we-do): Services overview - [Intentional Living (Early FI families)](https://www.intentionallivingfp.com/who-we-serve/early-fi): For families pursuing early financial independence - [Retirement Planning](https://www.intentionallivingfp.com/who-we-serve/retirement): For those nearing or in retirement - [Intentional Entrepreneur (Business Owners)](https://www.intentionallivingfp.com/who-we-serve/entrepreneurs): Build-to-exit business consulting - [Bitcoin Financial Planning](https://www.intentionallivingfp.com/services/bitcoin): Bitcoin allocation, custody, and tax planning ## Insights — foundational - [Statement of Financial Purpose](https://www.intentionallivingfp.com/insights/statement-of-financial-purpose): What a Statement of Financial Purpose is and how to write one - [What Is Money?](https://www.intentionallivingfp.com/insights/what-is-money): The role money should play in a well-lived life - [Making Decisions](https://www.intentionallivingfp.com/insights/making-decisions): Cognitive biases and a values-based decision framework - [Taking Action](https://www.intentionallivingfp.com/insights/taking-action): Turning intentions into compounding results - [The Hidden Cost of Money](https://www.intentionallivingfp.com/insights/hidden-cost-of-money): Why modern money management feels harder than it should ## Insights — retirement & tax planning - [How Much Do I Need to Retire?](https://www.intentionallivingfp.com/insights/how-much-to-retire): Why the number-first question is the wrong starting point - [Estate Planning Beyond a Will](https://www.intentionallivingfp.com/insights/estate-planning-beyond-a-will): Trusts, beneficiary designations, and 2026 OBBBA estate tax rules - [Roth Conversion Planning](https://www.intentionallivingfp.com/insights/roth-conversion-planning-austin-tech): Roth conversion strategy for high earners with equity comp - [Open Enrollment Mistakes](https://www.intentionallivingfp.com/insights/open-enrollment-mistakes): Common benefits mistakes and HSA/DCFSA/401(k) optimization - [Stock Compensation 101](https://www.intentionallivingfp.com/insights/stock-compensation-101): RSUs, ISOs, ESPP under 2026 rules - [S-Corp vs LLC](https://www.intentionallivingfp.com/insights/s-corp-vs-llc-entity-structure): Business entity choice under 2026 rules and OBBBA ## Insights — money & life - [Money in Marriage](https://www.intentionallivingfp.com/insights/money-in-marriage): Financial conversations couples don't have - [Money Before Marriage](https://www.intentionallivingfp.com/insights/money-before-marriage): Talking about money before "I do" - [Money and Your Children](https://www.intentionallivingfp.com/insights/money-with-your-children): Raising kids who think before they spend - [Lifestyle Creep](https://www.intentionallivingfp.com/insights/lifestyle-creep): How it erodes wealth, especially for high earners ## Insights — specialized - [Bitcoin in a Financial Plan](https://www.intentionallivingfp.com/insights/bitcoin-in-a-financial-plan): Tax, allocation, custody, and integration with the rest of a plan - [What a Fee-Only Financial Planner Does](https://www.intentionallivingfp.com/insights/what-fee-only-financial-planner-does): How fee-only differs from commission-based - [When Should a Physician Start Financial Planning?](https://www.intentionallivingfp.com/insights/when-should-physicians-start-financial-planning): Guidance from residency through attending years - [TRS vs ORP for Texas Professors](https://www.intentionallivingfp.com/insights/trs-vs-orp-texas-professors): Pension vs defined-contribution decision - [TSP Rollover Strategies](https://www.intentionallivingfp.com/insights/tsp-rollover-strategies-san-antonio): For military families in San Antonio - [1031 Exchange Strategies](https://www.intentionallivingfp.com/insights/1031-exchange-strategies-hill-country): For Hill Country land owners - [Retirement Planning in the Hill Country](https://www.intentionallivingfp.com/insights/retirement-planning-texas-hill-country): What makes Hill Country retirement unique - [Moving to Texas from California](https://www.intentionallivingfp.com/insights/moving-to-texas-financial-checklist): Financial checklist for relocating ## Case studies - [All case studies](https://www.intentionallivingfp.com/case-studies): Anonymized client situations and outcomes - [Building Toward Freedom](https://www.intentionallivingfp.com/case-studies/building-toward-freedom) - [Faith, Family, and Wealth](https://www.intentionallivingfp.com/case-studies/faith-family-and-wealth) - [Retiring on Top](https://www.intentionallivingfp.com/case-studies/retiring-on-top) - [Business to Retirement](https://www.intentionallivingfp.com/case-studies/business-to-retirement) - [High Income, Simple Goals](https://www.intentionallivingfp.com/case-studies/high-income-simple-goals) ## Contact - [Contact / Schedule a Conversation](https://www.intentionallivingfp.com/contact): Free 15-minute intro call - [Planning Calendar](https://www.intentionallivingfp.com/planning-calendar): Annual planning cadence - Phone: 830-624-5311 - Email: jim.crider@intentionallivingfp.com - Office: 123 N Seguin Ave. Ste. 202, New Braunfels, TX 78130 ## Optional - [All Insights](https://www.intentionallivingfp.com/insights): Complete article index - [Podcast](https://www.intentionallivingfp.com/podcast): The Intentional Living Podcast - [In the Press](https://www.intentionallivingfp.com/in-the-press): Media mentions and interviews - [Locations](https://www.intentionallivingfp.com/locations): Geographic service pages (Texas Hill Country and beyond) - [Careers content](https://www.intentionallivingfp.com/careers): Profession-specific planning pages (physicians, tech, business owners, military, dentists, real estate, ranch brokers, chiropractors, college professors) - [Assessment](https://www.intentionallivingfp.com/assessment): Self-assessment for prospective clients - [Sitemap (XML)](https://www.intentionallivingfp.com/sitemap.xml)