I Help Texas Families Turn Decades of Saving Into a Clear, Confident Retirement

I believe in full transparency, so here's the complete picture.

Planning fees: The Retire Blessed Income Blueprint — my written retirement plan — is a one-time fee of $1,522. It covers the complete journey: Retirement Readiness Meeting, plan design, stress testing, and delivery.

Advisory fees: If you choose ongoing management, there's an annual advisory fee based on assets under management. The planning fee and the management fee are independent — neither subsidizes the other.

Insurance commissions: When a retirement plan calls for annuities, long-term care insurance, or life insurance, I'm licensed to place those products and I receive a commission from the issuing carrier. I want to be upfront about that. Here's why I'm comfortable with it: I only recommend insurance products when the planning analysis shows they solve a specific problem in your Blueprint — never as a starting point, and never because there's a commission attached. If your plan doesn't need insurance, I won't recommend it. Period. And because your Blueprint is built and delivered before any product recommendation, you can evaluate the logic yourself.

My full fee schedule and compensation disclosures are in my Form ADV, which is public and linked on this page.

Yes — legally and always. Retire With Swan is a Registered Investment Adviser with the State of Texas. That means I'm held to a fiduciary standard: I am legally required to act in your best interest. This isn't a marketing claim — it's a regulatory obligation. If a recommendation doesn't serve you, I can't make it.

For the Blueprint process, no hard minimum — if you're within five years of retirement and have enough complexity to benefit from a coordinated plan, we're likely a fit. My sweet spot is families with $500K or more in investable assets, but the real qualifier is whether your situation involves the kind of multi-source coordination (pension + deferred accounts + Social Security + savings) that the Blueprint is designed to solve. The Swan Fit Call is where we figure that out together.

It's a free, 20–30 minute conversation. No preparation required. No commitment expected. We'll talk about where you are, where you want to be, and whether the Blueprint process is the right next step. If it's not a fit, I'll tell you. And if I can point you in a better direction, I will. There's no pitch, no close, and no follow-up pressure.

Your assets are held by Altruist, an independent third-party custodian. I never take possession of your money. I have the authority to manage and direct investments within your accounts, but all assets are held, safeguarded, and reported by Altruist directly to you. This custodial structure is the industry standard for investor protection — and it means your money is never "at" my firm. It's at yours.

If you choose the full partnership (Path B), the Execution phase begins immediately after your Blueprint is delivered. I implement the portfolio strategy outlined in your plan, establish your income architecture, initiate any Roth conversion strategies that are time-sensitive, and ensure all accounts are properly titled and beneficiary designations are current. If your plan calls for annuity or insurance products, those are placed during this phase — with full documentation of why each product was recommended. You'll have a detailed 90-day action plan and direct access to me throughout. By day 90, your plan isn't a document — it's running.

Maybe you shouldn't. If your current advisor has given you a written retirement income plan — not a portfolio summary, but a coordinated income strategy with stress testing, tax optimization, guardrails, and survivor plans — and you feel confident in it, stay where you are. But if what you have is a quarterly statement, a verbal reassurance, and a target-date fund, that's not a plan. That's a hope. The Blueprint exists to give you something you can hold in your hands and actually evaluate. You can even take it back to your current advisor and ask them to implement it.

I'm a smaller firm by design — not by limitation. I use the same institutional-grade tools as large firms: RightCapital for financial planning, Altruist for custodial services, and research-backed frameworks grounded in work from Morningstar, Kitces, and Pfau. The difference is that I'm not spread across 500 households. I work with a focused number of families, which means I know your plan, your accounts, and your situation — not just your account number. Size is a feature, not a bug.

Faith is the reason this firm exists — but it's not a requirement for working with me. My conviction is that retirement planning is ultimately a stewardship question: have I been faithful with what I was given? That conviction shapes how I think about legacy, about generosity, and about the kind of plan I build. But I serve families of all backgrounds, and the planning process itself is grounded in evidence-based research and fiduciary principles. If faith is important to you, you'll find that reflected here. If it isn't, you'll still get the best plan I know how to build.

This is one of the smartest questions a prospective client can ask — and it's one I take seriously. Your assets are held by Altruist, an independent custodian, so they are always accessible to you regardless of what happens to my firm. Your Blueprint is a written document you own outright — any competent advisor could pick it up and implement or continue it. And I maintain a continuity plan with succession arrangements so that if something were to happen to me, your accounts would be managed and transitioned with care, not left in limbo. I'm building a practice designed to outlast me, and that includes making sure no client is ever left without a path forward.

I intentionally keep my practice focused. I work with a limited number of client households because the kind of planning I do — coordinating pensions, Social Security, deferred accounts, insurance, taxes, and estate strategies — requires depth, not volume. I'd rather know 50 families deeply than manage 500 accounts at a surface level. When you call, I answer. When your situation changes, I already know the context. That level of service only works if I protect the capacity to deliver it. If I'm approaching capacity, I'll tell you that directly during the Swan Fit Call rather than take on more families than I can serve well.

My vision is to build the most trusted retirement planning firm in North Texas — not the biggest. I'm not trying to scale into a hundred-person shop. I want to go deep with the families I serve, build systems that deliver better outcomes over time, and eventually bring on team members who share my values so that the level of care I provide today only gets better as the practice grows. This isn't a stepping stone to something else. This is my life's work. I'm raising five boys in this community, I worship in this community, and I plan to serve families here for decades. When I tell you I'm thinking about your plan long-term, I mean it — because I'm not going anywhere.