Take Charge of Your Future with Comprehensive Retirement Planning
Personalized guidance for Houston
At Synergy Wealth Management, retirement planning is one of our flagship services. Our goal is to help you retire comfortably, on time, and with confidence. From building your savings to designing steady income strategies, we guide you through every step of the journey, including 401(k)s, IRAs, pensions, and more. Whether you’re just starting out or approaching retirement, our advisors provide clarity and direction.
Start planning today—it’s never too early or too late to prepare for retirement.
Comprehensive Solutions for Retirement
Discover the areas where our Houston retirement planning advisors can help
401(k), 403(b) & IRA Guidance
Make the most of your employer-sponsored plans and personal retirement accounts. We provide support for rollovers, consolidations, and maximizing contributions.
Retirement Income Strategies
Transition your savings into a reliable income stream. We help structure portfolios for steady cash flow, explore annuities for guaranteed income, and optimize Social Security timing.
Social Security & Medicare Planning
Choosing the right time to begin benefits can add thousands over your lifetime. We provide insight into Social Security, Medicare enrollment, and required minimum distributions (RMDs).
Pension & Educator Retirement Expertise
Our advisors specialize in helping teachers and public servants understand TRS, 403(b), and 457 plans. With decades of combined experience, we guide Houston educators toward confident retirements.
Building Your Retirement Strategy
A Customized Roadmap to Match Your Goals
We believe retirement planning should never be one-size-fits-all. Our advisors consider your age, lifestyle goals, savings level, and risk tolerance to build a plan tailored to your needs. Planning early gives your money more time to grow, but even late starters benefit from structured strategies that maximize every opportunity. We also address challenges like healthcare costs, inflation, and longevity, ensuring you have a plan that adapts with you.
Common Questions About Retirement Planning in Houston
Clear answers from fiduciary retirement planners
When should I start planning for retirement?
The earlier you begin planning, the more options and growth opportunities you’ll have. Starting in your 20s or 30s allows for compounding to work in your favor, but even those closer to retirement can benefit significantly from professional guidance. Our Houston retirement planning advisors work with both early-career savers and near-retirees to create effective strategies.
Can you help me roll over my 401(k)?
Yes. Whether you’re changing jobs or retiring, we help you roll over your 401(k) or 403(b) into an IRA without losing tax-deferred growth. Rollovers also consolidate your accounts for easier management and greater flexibility in your investment options.
What does a retirement planner do?
A retirement planner helps you create a strategy for saving, investing, and generating income throughout retirement. This includes evaluating employer-sponsored plans, personal accounts, Social Security timing, healthcare costs, and long-term risk management. At Synergy, we go beyond numbers to understand your personal vision for retirement.
How much money will I need to retire?
The answer varies by lifestyle, goals, and location. While a common guideline suggests 70–80% of pre-retirement income, our advisors use personalized projections to estimate your needs. We then build a plan that accounts for rising healthcare costs, inflation, and unexpected expenses.
Do you specialize in teacher and public service retirements?
Yes. Many of our Houston advisors have direct experience working with K–12 educators and public employees. We help navigate TRS pensions, 403(b) and 457 plans, and the unique challenges educators face in preparing for retirement. This ensures your retirement strategy reflects both your benefits and your personal goals.
