Your Trusted Austin Financial Advisors Serving You Virtually Nationwide

Yes, we evaluate and educate you on your various options regarding Social Security and Medicare. Our team can help you see how changing your timing can impact your retirement spending and if waiting longer is worth the trade-offs.

Yes. Our high-powered tax planning software allows us to model your taxes now and in the years ahead (known as your lifetime taxes) and find opportunities for tax planning that may help reduce future RMDs and taxes.

We partner with your CPA to coordinate on any tax planning opportunities we identify.

Yes, our team at Archer Investment Management specializes in Life Planning. Life Planning is a proactive and strategic process where we define your values, vision, and long-term goals so we can intentionally shape your future. This is an important part of building a meaningful retirement.

We also have a financial behavior specialist on our team who provides a strategy session for designing your ideal retirement lifestyle and the identity shift that comes from retiring.

Yes, we help design a tax-efficient withdrawal strategy and work with you to adjust your portfolio risk as you enter and move through retirement.

Yes, we will help you evaluate your various pension election options and the impact those different decisions could have on your overall retirement plan.

Yes, we can model future changes such as changes to tax law, inflation, long-term care events, or other factors that may impact your retirement income and lifestyle.

And, as your goals and needs change in the decades to come, we can test different scenarios so you can make spending and healthcare decisions with confidence.

Retirement is not one big decision, but thousands of small choices that need to be made now and in the future. We’ll simplify the decisions by modeling different scenarios and trade-offs for you.

Yes, we are able to model moving to various states or countries and help to evaluate different housing decisions that you may make in retirement.

These decisions are important to get clear numbers on because they can have a positive impact on your spending, proximity to family, or simply checking a dream off your bucket list!

Yes, a great early retirement project is getting your estate planning documents such as a will, trust, powers of attorney, as well as beneficiary updates on your accounts.

We help you get organized and model out your legacy and gifting decisions as well.

Yes. We build a plan that both partners understand, so if anything unexpected happens, your spouse will know exactly what to do and who to call. Even if they do not normally handle the family’s finances.

We offer retirement planning in Austin and nationwide. While our firm is based in Austin and has many local clients, all of our relationships are fully remote. We use video calls, screen sharing, and a secure document portal to work with you wherever you are.

We do our best work with:

Professionals who have accumulated investment and retirement assets of $1,000,000 or more. These assets can be in brokerage, IRA, 401(k), 403(b), options accounts, and more.

This minimum does not typically include the value of your home, personal property, or a business you own.

We know this can be confusing, especially for those who may have a high net worth tied up in other areas like real estate or a business.

If you’re not sure whether you meet the minimum or expect to in the near future, we’re happy to talk it through and help you understand how it applies to your situation.

➡️ Start by filling out our form to book a call with our team.

We charge an assets under management (AUM) fee based on your investable assets.

We do not offer hourly planning or project work. Instead, we work with clients through an ongoing relationship. That usually includes financial planning and portfolio management, plus coordinating the moving parts of your life and retirement planning (like taxes, company stock decisions, Medicare and Social Security timing, and major goals).

➡️ View how much we charge for our services.

Many CPAs focus primarily on tax prep and filing that looks backward.

As financial planners, we look forward at multiple years and the rest of your life.

Our team will focus on the full picture of your financial life beyond just your taxes and what changes we can proactively make now and in the years going forward to lower your taxes.

This is especially important as it relates to retirement planning in Austin or nationwide because taxes are often your biggest expense in retirement.

CPAs often don’t have the time or data to do this comprehensive planning across multiple years.

While we are not CPAs ourselves, we will work with your CPA to find opportunities and confirm they are a good fit for your personal situation.

Yes. We regularly work alongside our clients’ CPAs and estate planning attorneys.

Most CPAs focus on filing accurate tax returns year by year, and estate attorneys focus on creating and maintaining complex legal documents.

Our role is different.

We look at your full financial picture, your goals, and how today’s decisions may affect your retirement now and in the years ahead.

When it’s helpful, we coordinate with your CPA or estate planning attorney so everyone is working from the same plan. This can include sharing projections, clarifying planning assumptions, and making sure strategies are aligned before big decisions are made.

If you don’t already have a CPA or estate planning attorney, we can also provide referrals to professionals we trust. Either way, our goal is to make sure your team is working together so nothing important gets missed when it comes to planning a comfortable and secure retirement for you.

Yes, in many cases.

If your current 401(k) plan allows it, we can help manage the investments inside the account. When direct management isn’t possible, we can still help you review your options and make informed decisions.

We also regularly help clients clean up and consolidate old 401(k)s from prior employers when it makes sense to do so. This can help reduce complexity and make it easier to see how everything fits together as part of your overall plan.

Whether it’s one account or several, our goal is to help you get organized and make sure your retirement accounts are working toward your bigger goals.

Assets that you want us to manage must be held with Charles Schwab & Company.

Your current 401k and employer-based accounts may stay where they are until retirement or an earlier diversification option exists. We will guide you through those decisions as they come.

Retirement planning is new for many people. Saving for retirement and then shifting into spending from those same accounts can be complex and deeply disorienting. And, as the years go by, we’ll need to continue to update and adjust your financial plan so there is always ongoing work to do.

Our team has a clear process for building your financial plan and updating it as you prepare for retirement.

If you’d like to see the step-by-step process for onboarding and becoming a client so our team can help you prepare for a secure retirement, check out our process page.

➡️ To get started, schedule an introductory call to meet with our team.

The terms financial advisor and financial planner are often used interchangeably, but they can mean different things.

A financial advisor is a broad term. It can describe many roles in the financial industry, including professionals who focus mainly on managing investments or selling financial products.

A financial planner typically looks at your retirement transition more holistically. This includes things like Social Security timing, Medicare planning, tax-efficient withdrawal strategies, estate planning, and long-term care—and how all of those pieces work together to support the retirement you actually want.

A CERTIFIED FINANCIAL PLANNER® (CFP®) professional has completed specific education, passed a comprehensive exam, and follows a fiduciary standard, which means they are required to act in their client’s best interest. CFP® professionals are trained to help people make coordinated financial decisions across many areas of their life, not just investments.

In practice, the biggest difference is scope.

Some professionals focus on a narrow slice of your finances. Others help you see the full picture and understand the tradeoffs before you make big decisions—especially the one-time, high-stakes decisions that define your retirement.

Our team at Archer Investment Management is made up of fee-only financial planners who are CERTIFIED FINANCIAL PLANNERS® (CFPs®).