Our Services
How our services work together
No service stands alone. Your tax strategy shapes your income plan. Your income plan shapes your investments. Your investments connect to your estate. We manage all of it as one coordinated whole, so a decision in one area never quietly creates a problem in another.
Explore each service
Retirement Income Planning
Turn your savings into a dependable, tax-aware paycheck built to last as long as you do, drawn from the right accounts in the right order.
- A safe, tested withdrawal rate you can actually live on.
- A cash reserve so downturns never force a bad sale.
- Yearly reviews that keep the plan steady as life changes.
Tax Planning
Reduce the tax you pay over your lifetime, not just this year. For most retirees the IRS is the single largest expense, so this is where we start.
- Withdrawal sequencing that lowers taxes across all of retirement.
- Roth conversion timing in your lower-income years.
- A plan to soften required-distribution spikes before they hit.
Retirement Income Planning
Turn your savings into a reliable, tax-aware paycheck that lasts.
Read Retirement Income Planning.
Investment Management
Purposeful portfolios matched to your income needs and real risk tolerance, custodied at Charles Schwab.
Read Investment Management.
Social Security Optimization
Claim at the right time for your household to maximize your lifetime benefit.
Estate and Legacy Planning
Pass on what you built efficiently and on your terms.
Healthcare Planning
Plan for Medicare, premium surcharges, and long-term care before they surprise you.
Insurance and Risk Management
Protect the plan from the unexpected with conflict-free, fiduciary advice.
Estate and Legacy Planning
Pass on what you have built efficiently and on your terms, so the people and causes you love receive more with far less friction.
- Beneficiary and titling reviews that prevent errors.
- Strategies to reduce estate taxes and probate delays.
- Coordination with your attorney and existing documents.
Investment Management
Purposeful portfolios matched to your income needs and real risk tolerance, built to grow and protect your money over the long run.
- Low-cost, diversified portfolios with no hidden products.
- Risk set to your comfort, not a generic model.
- Held securely at Charles Schwab, always in your name.
Insurance and Risk Management
Protect the plan from the unexpected with conflict-free, fiduciary advice, keeping only the coverage that truly serves your family.
- An honest review of the policies you already hold.
- No commissions, so the advice stays on your side.
- Coverage sized to real risks, nothing you do not need.
Healthcare Planning
Plan for Medicare, premium surcharges, and long-term care before they surprise you, so a health event never derails your plan.
- Medicare choices matched to your income and needs.
- A strategy to manage IRMAA premium surcharges.
- Options to cover potential long-term care costs.
Social Security Optimization
Claim at the right time for your household so you capture the largest lifetime benefit, coordinated with the rest of your income.
- A claiming strategy modeled for both spouses.
- Timing that works with your withdrawals and taxes.
- Guidance on spousal, survivor, and delayed credits.
How this connects to The Legacy Blueprint
Each service maps to one of the three pillars, Keep, Grow, or Leave, and moves
through the four phases of The Legacy Blueprint.
We’re not just managing investments – we’re optimizing your entire financial life from taxes to Social Security timing to estate planning to wealth transfer; we help families make smart decisions to grow, protect and preserve their wealth.
A note on our fees
Kraus Capital is a fee-based fiduciary firm. That means our compensation is transparent and discussed openly with you before you commit to anything. The right structure depends on your situation, and we will walk through it together during your free assessment. No surprises, no hidden commissions driving our advice.
Common questions
Do I have to use all seven services?
How much does it cost to work with you?
See which services you need most
Disclosures: Investment advisory services are offered through Kraus Capital, a registered investment adviser. Advisory services are only offered to clients or prospective clients where Kraus Capital and its representatives are properly licensed or exempt from licensure.
Brian Kraus is a CERTIFIED FINANCIAL PLANNER™ professional. The CFP® marks are owned by the Certified Financial Planner Board of Standards, Inc. and are used in accordance with CFP Board guidelines.
Charles Schwab serves as the independent custodian for client assets. Kraus Capital is not affiliated with, and does not receive compensation from, Charles Schwab for custodial services. No strategy assures success or protects against loss. Past performance is not a guarantee of future results.
See our Privacy Policy and Form CRS for more information. These documents are provided by our compliance vendor.