Planning for Retirees

Protect your income, manage taxes, and make it last.

You made it to retirement. Now the job changes. It is no longer about accumulating, it is about protecting what you have, drawing income wisely, managing taxes, and making sure your money lasts as long as you do. Kraus Capital helps retirees do exactly that, with one coordinated plan.

We understand where you are

Retirement is here, and with it a new set of worries. Am I spending too much, or too little out of fear? Are required minimum distributions about to spike my taxes? Is my money positioned to survive a long retirement and a few bad market years? You want to enjoy this chapter without the nagging sense that something is being missed.

The questions you are asking

Am I withdrawing from the right accounts in the right order?

How do I keep required minimum distributions from inflating my taxes?

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Will my money last if I live well into my nineties?

Is my portfolio still taking the right amount of risk now that I am retired?

How The Legacy Blueprint helps you

In Keep, we manage the taxes that quietly grow once required distributions and Social Security stack up, and we look for opportunities to smooth them out. In Grow, we make sure your portfolio matches your income needs and protects your near-term spending from market drops. In Leave, we keep your estate plan and beneficiaries current. The Optimization Review phase matters most here: we stress-test your plan against a long life, a downturn, and a health event, so you can spend with confidence.

We help Texas families protect and structure wealth for what comes next .

Services most relevant to you

Retirement Income Planning

A reliable, tax-aware paycheck.

Tax Planning

Manage RMDs and bracket creep.

Healthcare Planning

Medicare, surcharges, and long-term care.

What working together looks like

We begin with a free Clarity Session to understand your current picture. If we are a fit, we review and tighten your income, tax, and estate strategy, then meet regularly to keep it on track. We serve retirees in Boerne, throughout the Hill Country, and across the greater San Antonio area, along with Austin and clients across Texas and nationally by phone and video. See the full path on The Legacy Blueprint.

Retiree FAQ

I am already retired. Is it too late to improve my plan?

Not at all. There are meaningful tax and income decisions throughout retirement, from withdrawal order to managing required distributions, and many retirees find real improvements in their first review.

How do I keep my taxes down once RMDs start?

Required minimum distributions can push you into higher brackets and trigger surcharges. We coordinate your withdrawals, Social Security, and any Roth conversion strategy to manage the impact over time.

Am I taking too much risk in my investments?

Many retirees are still invested as though they are decades from retirement. We match your portfolio to the income you need and protect near-term spending from market drops.

I already have an advisor. Why would I switch?

Many people come to us because their current advisor manages investments but does not coordinate taxes, Social Security, healthcare, and estate planning into one written plan. If you are getting that already, you may be in good shape. If not, a second opinion costs nothing and often surfaces real gaps.

How do I make sure my spouse is taken care of if something happens to me?

This is one of the most important parts of a retiree plan. We coordinate survivor income, beneficiary designations, and your estate documents so your spouse is not left with uncertainty on top of grief.

Make sure your retirement is on solid ground

Your free assessment reviews your income, taxes, and risk in one sitting. About 15 minutes, no cost, no obligation.

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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.

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