Canyon Lake is one of the Hill Country's most distinctive communities — a retirement and second-home destination wrapped around one of the prettiest lakes in Texas. Residents here value outdoor living, relaxed rhythms, and the kind of quality of life that can be hard to replicate anywhere else.
We work with Canyon Lake clients across several patterns: retirees building a plan for a long, active retirement; second-home owners coordinating primary residences, lake properties, and estate transfers; and families building toward financial independence while enjoying the lake year-round.
Our office is in downtown New Braunfels, about 25 minutes east. We meet with Canyon Lake clients in person and virtually — whichever fits your schedule.
Who We Work With in Canyon Lake
Many of our Canyon Lake clients are retirees or near-retirees with substantial retirement accounts and often more than one home. Coordinating withdrawals, Social Security, Medicare, Roth conversions, and estate transitions across multiple properties takes a real plan, not a generic calculator.
Others are second-home owners thinking about whether to keep, sell, or 1031-exchange a property — and how that decision fits into a broader financial picture. And many are families who chose Canyon Lake for lifestyle reasons and want a plan that protects that lifestyle for the long run.
What Makes Planning in Canyon Lake Unique
Second-home and lake-property coordination. A lake property often sits alongside a primary residence, investment properties, and sometimes short-term rental income. We help think through titling, tax treatment, insurance, and how each piece fits into a retirement and estate plan.
Retirement income coordination. Canyon Lake retirees often have multiple income sources — pensions, Social Security, IRA and 401(k) withdrawals, possibly rental income. We help sequence them to keep taxes manageable and IRMAA thresholds in check.
1031 exchanges and property transitions. When it's time to trade up, trade out, or simplify, a 1031 exchange can defer significant capital gains. We help coordinate the decision within a broader financial and estate context.
Multi-property estate planning. Under 2026 OBBBA rules, estates with multiple properties require coordinated planning — titling, trusts, beneficiaries, and tax structure need to work together.
How We Work
We're fee-only, fiduciary, and built around the idea that money should serve the life you actually want to live. Every plan follows our Values → Goals → Decisions → Actions framework — no product sales, no commissions, no pressure.