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Planning for Pre-Retirees

Get the plan right in the years that matter most.
The five to ten years before you retire are the most important planning years of your life. The decisions you make now, about taxes, savings, and timing, set the course for everything that follows. Kraus Capital helps you walk into retirement with a written plan instead of a hope.
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We understand where you are

You are doing well. You have saved diligently, and retirement is finally in view. But the closer it gets, the more questions surface. Can I actually afford to stop working? Am I saving in the right accounts? What will taxes do to me once the paychecks stop?

You do not want to get this wrong, and you sense that the years right before retirement are no time to guess.

The questions you are asking

I
When can I realistically retire, and what would it take to retire sooner?
II
Am I building too much in pre-tax accounts that the IRS will tax later?
III
How do I turn my savings into a paycheck once I stop working?
IV
Should I be doing anything now, in my higher-earning years, to lower future taxes?

How The Legacy Blueprint helps you

We build your plan around the three pillars. In Keep, we look at your tax picture now and across retirement, because the years just before and after you stop working often hold the best tax-planning opportunities of your life. In Grow, we make sure your investments are positioned for the transition, not still set up like you are decades from retiring. In Leave, we get the foundation of your estate plan in place early. Then the four phases carry you from your first Clarity Session through a written plan and into an ongoing relationship.

Services most relevant to you

Tax Planning

Retirement Income Planning

Social Security Optimization

What working together looks like

It starts with a free, 15-minute Clarity Session. From there, if we are a fit, we build your written Blueprint, stress-test it, and meet regularly as your retirement date approaches.

We work with pre-retirees in Boerne, across the Hill Country, and throughout the greater San Antonio area, as well as Austin and clients throughout Texas and nationally by phone and video. See the full path on The Legacy Blueprint.

Pre-retiree FAQ

The earlier the better, but the five to ten years before retirement are especially valuable because the tax and savings moves you make then have the biggest impact. It is rarely too late to improve your position.
A 401(k) is a savings account, not a plan. It’s designed for accumulation, not to hold a retirement income strategy. A plan decides how those savings become income, how to minimize taxes on them, and how everything coordinates with Social Security, healthcare, and your estate.
That is one of the first things we help you see. Your free assessment gives you a clearer answer on your timeline and what, if anything, needs to change.
Often yes. Your higher-earning years before retirement are some of the most valuable for tax planning, from how you fund accounts to setting up future Roth conversions. Acting before you retire usually gives you more options than waiting until after.
That is normal, and a good plan accounts for it. We can model retiring earlier or later and show you how each choice affects your income, taxes, and security, so the date becomes a decision rather than a worry.

See if you are on track to retire

Your free assessment gives you a clear read on your retirement timeline. About 15 minutes, no cost, no obligation.
Get Your Free Assessment
Prefer to talk first? Call us at 210.224.1600 or Schedule a Call. There is no cost and no obligation.