Why should I consider hiring Comal Wealth Management?
You should consider hiring our firm if you want to:
- Create a reliable income stream from your retirement savings.
- Be proactive about reducing taxes throughout retirement.
- Invest in a portfolio designed to grow purchasing power while seeking to manage risk.
- Delegate the ongoing financial work so you can focus your time on what's most important to you.
- Ensure your loved ones have a trusted advisor to lean on when needed.
How are you different than other financial advisors?
There are four areas that set us apart:
1. Specialized Expertise. We work specifically with people nearing or in retirement. We believe focused expertise matters, just like in medicine or law.
- We provide proactive tax planning and strategy that is coordinated with your income plan and portfolio. Many clients come to us after working with tax preparers who were largely reactive rather than helping them plan ahead and connect tax decisions to their broader retirement strategy. We are committed to helping you lower your lifetime taxes.
- Through our strategic partnerships, clients have access to estate document creation and updates including trusts, wills, medical directives, and financial powers of attorney, often at no additional cost.
- We design in-house, purpose-built portfolios to support both the transition into retirement and the ongoing need for sustainable retirement income.
2. Family Continuity. We often work with multiple generations of the same family and offer discounted pricing for family members who may not otherwise meet our traditional minimums. This helps create better coordination across the family and gives your loved ones a trusted professional they can rely on.
3. Intentional Capacity. We intentionally limit how many new clients we take on so we can provide thoughtful guidance, personal attention, and a high level of service.
4. Coordinated Planning. We take a holistic and life planning centered approach by coordinating investment management, retirement income planning, and tax strategy so your finances are managed as one integrated plan.
How many clients do you serve?
We currently serve 42 households. While advisors at larger firms often manage hundreds of relationships, we intentionally limit the number of clients we work with so we can provide more personalized attention, better coordination, and thoughtful ongoing advice. At this time, we have capacity for 50 households.
Can we work with you if we live outside Texas?
Yes. Many of our clients live outside of Texas.
What do you charge?
Our ongoing wealth management fee is based on the investment assets we manage for your household. Asset-based fees generally range from 1.00% to 1.50% annually.
Fees are billed monthly in arrears, which means the annual fee is divided into monthly payments and typically deducted directly from the accounts we manage.
In some situations, a flat financial planning fee may be more appropriate. When that is the case, the fee is based on the scope and complexity of your situation and will be quoted before you decide whether to move forward.
We do not earn commissions, sell financial products, or receive compensation from third parties.
Our Free Retirement Readiness Review™ gives you an opportunity to understand our process, see how we think about your retirement picture, and decide whether we are the right fit before becoming a client.
Do I have to be retired to work with you?
No. Many of our clients come to us before they retire, often during their highest-earning years, when they are starting to think seriously about the “home stretch” toward retirement.
This is a valuable time to get organized. The final years before retirement can shape important decisions around investment strategy, retirement income, taxes, cash flow, insurance, estate planning, and when to make the transition.
Some clients want to retire soon. Others want to create a longer runway so they can ease into retirement over time instead of making a sudden transition.
Our role is to help you understand where you stand today, what needs attention, and how to move toward retirement with more clarity and confidence.
Do you offer hourly planning?
No. We do not offer hourly planning.
Our firm is built to serve retirement savers who need and want an ongoing advisory relationship. We believe retirement planning works best when it is proactive and continuous, allowing us to refine your income plan, investment strategy, and tax approach over time as circumstances change.