Kerrville is the cultural and commercial hub of the upper Texas Hill Country. It has drawn retirees, artists, outdoor enthusiasts, and multigenerational Kerr County families for over a century — all attracted by the Guadalupe River, a vibrant local economy, and the kind of community that still knows your name.
We work with Kerrville clients who have built meaningful financial lives and now want a plan that matches the life they actually want to live. For many, that means a thoughtful retirement income strategy. For others, it means preparing to sell or transition a business they've grown over decades.
Our office is in downtown New Braunfels, about an hour east on I-10. We meet with Kerrville clients in person and virtually — whichever fits your rhythm.
Who We Work With in Kerrville
Many of our Kerrville clients are retirees and near-retirees with complex portfolios: significant IRA or 401(k) balances, concentrated stock positions from a career, real estate, and the occasional business interest. Our role is to coordinate the sequencing — withdrawals, Social Security timing, Medicare, Roth conversions — so the plan actually holds up for 30+ years.
Others are small business owners, healthcare professionals, or longtime local professionals thinking about eventual business transitions. And many are part of multigenerational Kerr County families managing land, legacies, and thoughtful wealth transfers.
What Makes Planning in Kerrville Unique
Retirement income coordination. Kerrville retirees typically have more than one source of income in retirement — pensions, Social Security, withdrawals from various account types, sometimes rental income. Coordinating those across tax brackets and Medicare thresholds is where a real plan earns its keep.
Social Security timing. When and how to claim Social Security is one of the biggest dollar decisions retirees make. We help Kerrville clients evaluate the trade-offs under their specific circumstances — not a generic rule of thumb.
Business exit and succession. Many Kerrville business owners have built something worth protecting. We help plan the exit years in advance — so the tax bill doesn't surprise anyone and the proceeds actually fund the retirement you want.
Estate planning for land and legacy. Kerr County families often hold land, homes, and businesses that they want to pass on thoughtfully. Under 2026 OBBBA rules, coordinated planning matters — titling, beneficiaries, trusts, and tax structure all need to work together.
How We Work
We're fee-only, fiduciary, and built around a simple idea: your money is a tool. Every plan follows our Values → Goals → Decisions → Actions framework, tailored to your specific situation. No product sales, no commissions, no pressure.