Intentional Living
Financial Planning for Families Desiring Early Financial Independence
Decisions, life changes, and new opportunities come up regularly from your mid-20s to late 40s. Your life is not stagnant and we don't think your planning should be, either. Based in New Braunfels, Texas, we serve families pursuing financial independence across the state and nationwide.
What We Help With
Planning That Grows With You
Your financial life is dynamic. Our planning covers the full spectrum of decisions you face as you build toward independence.
Financial Independence Planning
A clear, personalized roadmap to the point where work becomes optional — built around your definition of freedom, not a generic retirement age.
Investment Management
Goals-based portfolio management designed to grow your wealth aggressively while managing risk appropriately for your timeline and life stage.
Tax Planning
Proactive strategies including Roth conversions, tax-loss harvesting, backdoor Roth IRAs, and multi-year projections to accelerate your path to independence.
Cash Flow Planning
Understand exactly where your money is going and optimize the gap between income and spending to maximize your savings rate.
Equity Compensation Strategy
Navigate stock options, RSUs, ESPP, and other equity comp to maximize value, manage concentration risk, and minimize tax exposure.
Real Estate Strategy
Evaluate rental properties, house hacking, 1031 exchanges, and real estate holdings as part of your total wealth-building picture.
Estate Planning
Protect your growing family with properly structured estate documents, beneficiary designations, and insurance coverage — even while you’re still building.
Insurance Optimization
Make sure you’re properly protected without overpaying — including life, disability, umbrella, and property coverage as your net worth grows.
College Planning
Plan for education costs strategically using 529 plans and alternatives that don’t derail your path to financial independence.
Debt Management Strategy
Build an efficient payoff plan that eliminates high-cost debt while maintaining momentum toward your bigger financial goals.
Bitcoin Consulting
Thoughtful guidance on how Bitcoin fits into a long-term wealth-building strategy, including allocation sizing, custody, and tax implications.
Business Planning
Financial planning for side businesses, startups, and entrepreneurial ventures alongside your primary income and wealth-building strategy.
Benefits & Open Enrollment Planning
Open enrollment is one of the most overlooked planning opportunities. We help you choose the right health plan, coordinate coverage across spousal plans, and maximize tax-advantaged accounts like HSAs, FSAs, DCFSAs, and LPFSAs — turning your benefits into a real wealth-building tool.
Coordination With CPAs, Attorneys & Other Advisors
We work alongside your existing team to make sure every piece of your financial life is working together.
Our Approach
A Plan That Keeps Up With Your Life
Between your mid-20s and late 40s, the pace of change is relentless. Career moves, growing families, equity compensation events, real estate decisions, and evolving goals all happen at once. A static financial plan cannot serve you well in this season — you need an adaptive one.
We build your plan around the life you actually live, not the one a spreadsheet assumes. That means we revisit and adjust as your income grows, your family evolves, and new opportunities appear. Every recommendation connects back to your definition of financial independence — not a generic retirement age, but the point where work becomes optional.
Our job is to help you make smart, confident decisions in real time so that each one moves you closer to freedom rather than further from it. Whether you're in Austin, San Antonio, or anywhere else — we're here to help you get there faster and with more confidence.
Who Is This For
Built for Ambitious Families
This service is for individuals and families in their mid-20s through late 40s who are building wealth intentionally and want work to become optional sooner rather than later. You are earning well, saving aggressively, and want a partner who can help you optimize every lever.
- You are motivated by the idea of financial independence, not just a distant retirement date
- You have complex compensation like stock options, RSUs, or equity in a growing company
- You want someone who sees the big picture and coordinates across tax, investments, insurance, and estate planning
- You believe financial planning should be proactive and evolve as your life does
“Jim helped us see that our money could be a tool for living the life we always dreamed about. His management of my account has provided both clarity and confidence, giving me the reassurance that my plans are not only possible but sustainable.”— Verified Client Review via WealthTender
FAQ
Common Questions About Financial Independence
Financial independence is the point where your wealth generates enough income to cover your lifestyle — making work optional. It doesn’t necessarily mean retiring early. For many of our clients, it means having the freedom to choose how they spend their time, whether that’s continuing to work on their own terms, starting a new venture, or spending more time with family.
It depends entirely on your lifestyle, your family, your goals, and your timeline. There’s no magic number. We build a personalized plan that models your specific situation and shows you exactly what it takes — and how to get there faster.
It’s the perfect time. The decisions you make in your 30s and 40s — how you invest, how you handle equity compensation, how you structure your taxes, whether you buy real estate — have an outsized impact on your long-term trajectory. Starting early means more runway and more options.
It depends entirely on your situation and goals. Some of our clients max out their retirement accounts and invest heavily in traditional brokerage accounts alongside them. Others put very little into retirement accounts and instead direct their capital into their business, real estate, Bitcoin, or other alternative assets. There’s no one-size-fits-all answer. The right strategy depends on your income, tax situation, timeline to independence, liquidity needs, and where you see the best opportunities. We help you build an investment strategy across all of these areas — not just the conventional ones — so your money is working toward what actually matters to you.
We build a vesting and exercise strategy that accounts for your tax bracket, concentration risk, and overall financial plan. Equity comp can be a powerful wealth-building tool — but only if you manage the timing, taxes, and diversification intentionally.
No. Financial independence isn’t about deprivation — it’s about alignment. It’s making sure your spending reflects what actually matters to you and cutting the things that don’t. Our clients live well. They just do it intentionally.
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