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, local business owners scaling in a boomtown economy, real estate investors buying into a college-town rental market, and growing families balancing childcare and savings.
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.
Local business owners and real estate investors often come to us with a different question: how do I turn what I have built into long-term wealth? San Marcos has grown quickly, and so have many of the businesses and rental portfolios here. We help with entity and tax structure, retirement plans for owners, rental property decisions, estate basics, and a clear picture of what retirement can look like.
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.
A college-town rental market. Steady demand from students and university staff draws many local investors to San Marcos rentals. We help you weigh a purchase against your other goals, understand depreciation and passive loss rules, and plan ahead for the tax bill when you eventually sell.
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.