Plan to thrive, not just survive, during your retirement.
Whether retirement is decades away or just around the corner, Avidian’s retirement financial advisors work with ultra-high-net-worth (UHNW) and high-net-worth (HNW) individuals across Houston. Together, we build a retirement plan designed around your goals, priorities, and the life you want to lead.
Not sure you need one? Ask yourself the following:
As you work with Avidian to build your retirement plan, these questions become part of an ongoing conversation with a team focused on retirement planning in Houston for HNW and UHNW families.
It’s never too early to begin planning for retirement. Learn more about our retirement services and schedule a conversation with Avidian to start creating your retirement plan today.
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.
HNW and UHNW retirement planning goes beyond a savings rate and a Social Security start date. Concentrated stock positions, business ownership, multi-generational transfer, and complex tax exposure all shape the plan. These interconnected considerations are where experienced retirement income advisors can provide particularly valuable guidance.
Take the current safe withdrawal rate for retirement in 2026 as an example. That number looks different once concentrated positions, real estate, and business income enter the picture instead of a standard portfolio. Business ownership adds its own layer, from weighing a money purchase retirement plan against other qualified plan options to managing tax exposure while maximizing contributions.
This type of coordination is often important to families searching for a Houston retirement planner or for the best retirement planning in Houston. That coordination is designed to help bring investment, tax, estate, and other financial considerations together within the context of each client’s broader financial picture.
Avidian Wealth Solutions is an SEC-registered investment adviser offering wealth management in Houston. When providing investment advice, Avidian is subject to a fiduciary duty to act in its clients’ best interests within the scope of the advisory relationship. Our advisors seek to provide thoughtful, careful guidance as clients plan for retirement and other long-term financial goals.
We offer a coordinated approach that may include working with members of your financial team, including CPAs, estate-planning attorneys, and other professionals. This coordination is designed to help simplify complex financial decisions, giving you more time to focus on the life and wealth you’ve built. That’s The Avidian Difference.
Our team is comprised of highly credentialed, specialized, and experienced wealth management professionals who work together to handle multiple aspects of your financial life, including asset management, debt management, risk management, taxation, wealth transfer, and more.
As you near retirement age, your investment goals, tolerance for risk, and appropriate investment types may change. In keeping with our comprehensive financial planning outlook, helping our clients navigate these changes is already baked into Avidian’s investment management strategy.
We believe that financial planning should be a conversation, not a monologue. Our RIA advisors in Houston regularly monitor our clients’ investment portfolios and reach out to discuss adjustments and answer questions.
Maybe you’re considering an annuity, bonds, or mutual funds. Maybe you have questions or need recommendations about annual withdrawal rates. No matter the issue, an Avidian advisor can help you weigh your options.
When most people think about risk management for retirement, one of the first things that often comes to mind is managing portfolio risk. Our retirement financial advisors monitor client portfolios in accordance with the scope of each advisory relationship, considering risks related to market volatility, purchasing power, portfolio withdrawals, and investment time horizon. This ongoing review is designed to help clients evaluate whether adjustments may be appropriate as their circumstances and market conditions change.
When building your financial plan, Avidian also takes into account another crucial aspect of risk management: insurance. Insurance acts as your last line of defense from the financial consequences of unforeseeable issues, including premature death, long-term disability, property damage, liability, etc. Our team can help review your current policies, check for gaps in coverage, and look for opportunities to optimize your coverage.
Even if you’re in great shape, it’s still never too early to begin putting the affairs of your estate in order. Beginning the estate-planning process early may provide additional time to identify goals, review existing documents, and coordinate with qualified legal and tax professionals. Periodic reviews can also help determine whether an estate plan continues to reflect changes in a family’s circumstances, assets, and applicable law.
At Avidian, we offer estate planning as part of our comprehensive financial planning services. We can coordinate tax strategies with your estate attorney and tax advisor.
Your retirement income should allow you to comfortably handle both expected and unexpected expenses during retirement, from housing costs and entertainment expenses to short- and long-term medical care. The source(s) and amount of retirement income can depend heavily on the age at which you retire as well as several other factors, including whether you plan on working after retirement.
When we build out your retirement plan, we keep the following retirement income considerations in mind.
Juggling all these different aspects of retirement planning can be overwhelming, time-consuming, and stressful. Working with a comprehensive financial planner can help you organize these considerations and provide a framework for evaluating decisions so that you have more time to enjoy the wealth and security you’ve spent your life building.
Retirement planning shouldn’t, and can’t, happen in a financial silo. That’s why Avidian incorporates your retirement goals into a larger, comprehensive financial plan that accounts for your current lifestyle, financial goals, and financial roadblocks — not retirement income in isolation.
Where other advisory firms may try to fit your retirement into a cookie-cutter plan, Avidian builds retirement planning in Houston around what is specific to you. This is what sets our comprehensive approach apart from a generic plan, and it’s part of why so many families look for top-rated retirement planning in Houston in the first place.
Schedule a conversation with Avidian to start building your retirement roadmap today.
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.
Curious about where you stand today? Schedule a meeting with our team and put your portfolio to the test.*
High net worth (HNW) individuals are generally those with around a million dollars or more in investable assets, while ultra-high net worth (UHNW) individuals typically hold tens of millions or more. At this level, retirement planning may involve business interests, real estate holdings, concentrated stock positions, and other considerations that may require additional analysis and coordination.
There is no fixed age to start, though earlier planning generally allows more time to work through tax strategy, business succession, and multi-generational goals. For HNW and UHNW families, this conversation often begins well before a target retirement date, since assets like business interests and concentrated stock positions can take years to structure efficiently. Starting early tends to create more flexibility later, whether retirement is decades away or closer at hand.
A safe withdrawal rate is the percentage of a retirement portfolio that can typically be withdrawn each year without depleting savings over a set time horizon. The right rate depends on factors like asset allocation, other income sources, and how flexible your spending can be, and it can shift as market conditions change over time.
Business owners have access to retirement plan structures beyond a typical 401(k), including SEP IRAs, defined benefit plans, and money purchase retirement plans. Each option comes with different contribution limits and tax implications that can matter for a business owner nearing retirement. These plans are often reviewed alongside business and succession planning rather than on their own.
When looking for a Houston retirement planner experienced in HNW and UHNW planning, consider asking about the adviser’s experience with circumstances relevant to you, such as business ownership, concentrated stock positions, real estate, and estate-planning considerations. You may also wish to ask about the adviser’s fiduciary obligations, services, fees, conflicts of interest, credentials, and approach to coordinating with other professionals.
Disclosure: This material is provided for general informational and educational purposes only and is not intended as individualized investment, financial, tax, legal, estate-planning, insurance, Social Security, or Medicare advice. The information does not consider any individual’s particular objectives, financial circumstances, or needs.
Retirement-planning strategies, withdrawal rates, Social Security benefits, Medicare eligibility, tax considerations, and required minimum distribution rules depend on individual circumstances and applicable law and may change over time. Avidian Wealth Solutions does not provide legal or tax advice. Clients should consult qualified legal, tax, insurance, and other professionals regarding their individual circumstances.
Investing involves risk, including the possible loss of principal. No investment, retirement-planning, or risk-management strategy can guarantee a particular result, prevent loss, or ensure that assets will last throughout retirement. Avidian’s services vary depending on each client’s needs and the scope of the advisory engagement.