High-Net-Worth Retirement Planning in Austin
Comprehensive plans designed to help you navigate retirement with greater clarity.
Comprehensive retirement planning designed to help you make informed decisions about your wealth, income, and future. But retirement planning in Austin can feel daunting, particularly when you have accumulated significant wealth or have multiple sources of retirement income to consider. Taking the time to evaluate your retirement needs with an experienced wealth management firm can help you make more informed decisions about the transition from earning and saving to managing and using your wealth.
Consider the following questions:
- What amount of annual income will I need in retirement?
- Where will my retirement income come from?
- Does my current investment strategy reflect my retirement goals?
- How should I account for healthcare costs?
- How might taxes affect my retirement income?
- How long might my assets need to support me and my family?
- What role should Social Security, pensions, or other income sources play in my plan?
If you’re uncertain about the answers, a comprehensive retirement plan may help identify areas that deserve further consideration.
Avidian Wealth Solutions offers fiduciary wealth management services in Austin and can help you evaluate your retirement goals, develop an appropriate strategy, and revisit your plan as your circumstances change.
Billion in client assets under
management*
Financial
professionals
Years
of success
*As of August 22, 2026. This number reflects Avidian’s regulatory assets under management (RAUM) as calculated consistently with the instructions to Form ADV Part 1A. Our firm updates this number quarterly to reflect AUM as of the most recent calendar quarter-end. The amount reported here may differ from the figure in our most recently filed Form ADV, which reports AUM as of December 31, 2025.
How retirement planning and wealth management work together
Retirement planning works best when it is considered as part of your broader wealth management strategy rather than as a standalone exercise.
- Your retirement income needs can affect how your portfolio is invested.
- Your investment strategy can affect the timing and amount of withdrawals.
- Tax considerations can influence which accounts you draw from first.
- Healthcare costs, insurance, charitable giving, and wealth transfer goals may also affect how much liquidity you need throughout retirement.
As a fiduciary financial advisor in Austin, Avidian can offer a boutique family office approach that brings together services such as investment management, financial planning, and tax planning. This allows our advisors to evaluate retirement decisions within the context of your broader financial circumstances, goals, cash flow needs, and risk tolerance.
We can also help you evaluate how decisions made today may affect future retirement income, taking into consideration factors such as your desired retirement age, pension benefits, Social Security, Medicare, life insurance, investment assets, and other sources of income.
5 Strategies to Safeguard Your Wealth For Future Generations
If you want to plan for lasting financial security and genuine peace of mind for future generations, this free resource is tailored to assist you in understanding the tools that can help you prepare for, initiate, and manage your estate planning.
Why choose Avidian for retirement planning in Austin
Mitigating the risks of retirement
Retirement planning involves more than determining how much you need to save. Once you retire, your financial strategy may need to account for risks such as:
- Longevity risk in retirement
- Sequence-of-returns risk
- Inflation
- Healthcare costs
- Tax, liquidity, and market risks
While no strategy can eliminate the risks associated with retirement or investment markets, we believe thoughtful planning can help you identify potential challenges and evaluate strategies designed to address them.
Developing a plan for wealth transfer and your legacy
For many high-net-worth families, how to transfer wealth to children, grandchildren, charitable organizations, or other beneficiaries becomes increasingly front-of-mind.
Our team can offer guidance on wealth transfer as part of a broader financial planning relationship. Depending on your circumstances, this may include:
- Evaluating the role of trusts and other wealth transfer strategies
- Reviewing beneficiary designations
- Considering charitable giving
- Working with your estate planning attorney and other professionals
Where appropriate, Avidian can work with family members and other professional advisors to support these conversations and help families think through their long-term wealth transfer objectives.
Retirement planning for business owners and executives
For a business owner, retirement may depend on the eventual sale or transfer of the company. For an executive, compensation may include equity awards, deferred compensation, restricted stock, stock options, or other benefits that require careful planning.
Avidian can help clients evaluate financial considerations before and during these transitions, including:
- Retirement and succession planning
- Pre-exit financial planning
- Liquidity and cash-flow planning before a business sale
- Investment planning following a liquidity event
- Executive compensation and equity considerations
- Tax planning related to a business transition
- Wealth transfer strategies
- Retirement income planning
Don’t Retire. Rewire.
For many business owners and executives, retirement doesn’t necessarily mean stopping work altogether.
A business owner may want to sell a company but remain involved as a consultant. An executive may transition into board service, advisory work, entrepreneurship, philanthropy, or another professional pursuit.
“Don’t retire, rewire” reflects a broader way of thinking about retirement: designing the next phase of life around your interests, financial resources, family priorities, and desired level of professional involvement.
Financial planning can help you evaluate what that transition may look like financially, including how changes in earned income, liquidity, investments, and spending could affect your broader wealth strategy.
How to choose a wealth management firm for retirement planning
The right wealth management firm for retirement planning depends on your circumstances, goals, and the complexity of your financial life. Rather than focusing solely on investment performance or a firm’s marketing claims, consider several factors:
Fiduciary responsibility: Understand whether the advisor has a fiduciary obligation and what that means for your relationship.
Multidisciplinary approach: Look for a firm that considers retirement income alongside investments, taxes, risk management, estate and wealth transfer considerations, and other relevant aspects of your financial life.
Experience with complex wealth: Business owners, executives, and high-net-worth families may have planning considerations that differ from those of the average retiree.
Transparent fees: Make sure you understand how the firm is compensated and which services are included in your advisory relationship.
Ongoing guidance: Retirement planning doesn’t end when you stop working. Your income needs, investments, tax circumstances, and family priorities can change throughout retirement.
Coordination with other professionals: Depending on your circumstances, you may benefit from an advisor who can collaborate with your CPA, attorney, insurance professional, or other trusted advisors.
Retirement planning in Austin — FAQ
When should I start retirement planning?
There is no single age at which everyone should begin retirement planning. The earlier you begin, the more opportunities you may have to evaluate savings, investment strategy, retirement income, and other financial decisions. For individuals approaching retirement, planning can also help identify potential gaps or decisions that may need attention before leaving the workforce.
How much money do I need to retire?
The amount needed depends on factors such as your expected spending, desired retirement lifestyle, other sources of income, investment portfolio, taxes, healthcare costs, and how long your assets may need to support you. A comprehensive financial plan can help you evaluate these factors rather than relying on a single savings benchmark.
What should I look for in a retirement advisor?
Look for an advisor whose services, fiduciary obligations, experience, compensation structure, and planning approach fit your circumstances. For high-net-worth families, it may also be valuable to consider whether the firm integrates retirement planning with investment management, tax planning, wealth transfer, and other relevant areas of financial planning.
Does Avidian work with business owners who are preparing to retire?
Yes. Avidian offers financial planning and wealth management services for business owners and executives. Depending on the client’s circumstances, planning may include business succession, pre-exit planning, liquidity considerations, investment management, tax planning, and retirement income planning.
Important Disclosure: Advisory and financial-planning services are provided only pursuant to an executed agreement. The scope and availability of services depend on each client’s individual circumstances and engagement. Avidian does not provide legal advice. Clients should consult qualified tax, legal, and insurance professionals regarding their specific circumstances. Investing involves risk, including the possible loss of principal. Financial planning and investment strategies cannot guarantee any particular outcome. For additional information regarding Avidian’s services, fees, and material conflicts of interest, please review our Form ADV Part 2A.
Schedule a Conversation
Curious about where you stand today? Schedule a meeting with our team and put your portfolio to the test.*