San Marcos is a vibrant and fast-growing community powered by Texas State University, a strong local economy, and a deep connection to the San Marcos River. It's also a corridor market — sitting between Austin and San Antonio — which brings its own set of opportunities and financial complexity.
We work with San Marcos clients across several clusters: Texas State faculty and staff navigating TRS vs ORP decisions, young professionals building toward early financial independence, growing families balancing childcare and savings, and local business owners scaling in a boomtown economy.
Our office is in downtown New Braunfels, about 15 minutes south on I-35. We meet with San Marcos clients in person and virtually — whichever fits your week.
Who We Work With in San Marcos
Our Texas State faculty clients often come to us around the TRS vs ORP election — a decision that shapes retirement outcomes for the rest of a career. We help think through the pension vs defined-contribution trade-offs, 403(b) and 457 optimization, and how a university career fits into a broader retirement and estate plan.
Young professionals and dual-income families often come to us with a different question: how do I build intentionally from here? We help translate high incomes (or fast-growing ones) into real long-term wealth — tax-aware savings, Roth opportunities, disability protection, estate basics, and a clear roadmap toward financial independence.
What Makes Planning in San Marcos Unique
Texas State faculty and staff. The TRS vs ORP decision, 403(b) and 457 plans, pension vesting timelines, and retiree health insurance all intersect. We help coordinate those choices with the rest of your financial life.
Early financial independence. Many San Marcos professionals have incomes that outpace a relatively affordable cost of living. That creates real room to save aggressively — if the plan is built to capture it.
Austin-San Antonio corridor complexity. Many San Marcos professionals commute or split time between cities, which can mean equity compensation, hybrid work benefits, and tax scenarios that require coordination.
Growing-family planning. For families in San Marcos with young children, we help think through childcare, 529 strategy, life and disability insurance, and the early-savings choices that compound for decades.
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 engagement follows our Values → Goals → Decisions → Actions framework — tailored to where you are right now.