Author: Mau Sanchez, Chief Investment Officer

If you’re between the ages of 60 and 63, you are officially in the "Goldilocks Zone" of retirement planning. Not quite ready to hang it up, but close enough to see the finish line at the end of a long, successful career. For years, the IRS has allowed those over 50 to "catch up" on…

When you decide to trade the high-octane corporate world for the rolling hills and limestone creeks of the Texas Hill Country, your perspective on money inevitably shifts. You stop thinking about how to climb the ladder and start thinking about how to protect the ground beneath you. At the Texas Retirement Journal, our mission is…

For many of us, the dream of retiring in the Texas Hill Country involves sweeping views of the Pedernales River, afternoons at a local winery, and the slow-paced charm of towns like Boerne or Fredericksburg. But as we move through 2026, a new reality is setting in for retirees: the logistical and financial landscape of…

Reclaiming Your Story For many high achievers, retirement is not hardest on the balance sheet. It is hardest on the identity. After a 30-year career built around urgency, leadership, deadlines, and decision-making, slowing down can feel less like freedom and more like disorientation. The Texas Hill Country offers the backdrop for a different kind of…

You’ve done it. The spreadsheet finally says “Yes.” The 401(k) is robust, the house in Boerne is nearly paid off, and you’ve navigated the complexities of 2026 tax provisions. You are financially ready to retire. But then comes the first Monday morning. You wake up at 7:00 AM out of habit, pour a cup of…

If you’ve been scouting the Texas Hill Country for your next chapter, names like Fredericksburg, Boerne, and Wimberley are likely at the top of your list. And for good reason: they offer a world-class blend of small-town charm and upscale amenities. But as more people discover the magic of the hills, these popular hubs have…

If you’ve spent any time dreaming about a lifestyle upgrade in the Texas Hill Country, you’ve likely heard the classic "Texas Tax Trade-off." We trade state income tax for property taxes, a deal that most retirees find favorable, provided they have a plan for the bill. For 2026, that plan is getting a significant boost.…

As we move through 2026, many retirees in the Texas Hill Country are noticing a significant shift in the financial landscape. While the rolling hills and quiet vineyards of Fredericksburg and Boerne remain as timeless as ever, the rules governing your retirement accounts have undergone a major transformation. The combination of the SECURE 2.0 Act…

There is a specific moment in the Texas Hill Country, right as the heat of the afternoon begins to yield to a cooling breeze, when the limestone hills turn a deep, burnished gold. For retirees and collectors who have chosen to call this region home, that sense of place can extend beyond the view and…

For decades, the rhythm of your life was likely dictated by the quarterly earnings call, the 6:00 AM flight out of Austin-Bergstrom, and the relentless ping of a smartphone that never seemed to sleep. You built a career, a reputation, and a significant nest egg. But as you look toward the next chapter in 2026,…