Retirement Planning Services in Houston, TX

Retirement shouldn’t feel like a guessing game. Whether you’re running a medical practice in The Woodlands, managing a construction crew near the Energy Corridor, or leading a consulting firm downtown, you’ve worked hard for your money—now it’s time to make it work for you.


At Straight Talk CPAs, we help Houston, TX professionals and business owners design retirement strategies that are simple to understand, tax-smart, and built for real life. No technical language. No confusion. Just a clear plan for what’s next.

Retirement Planning That Gives You Clarity—and Confidence

You’ll get access to intuitive digital tools that help you see your future with clarity—plus the local expertise to make sense of it.


We combine technology with personal guidance to help you:

  • Visualize different retirement ages and outcomes
  • Model income streams from current accounts and investments
  • Track contributions, withdrawals, and healthcare costs
  • Adjust your plan as your life and goals evolve



Because software alone can’t give peace of mind—conversation and clarity do.

Smart Tools. Real Advisors. Personalized Plans.

We’ll walk you through the real decisions that impact your retirement—not the fluff or formulas. Together, we’ll answer questions like:

  • Should you focus on a Roth or a Traditional IRA?
  • When’s the right time to claim Social Security?
  • How do you withdraw without triggering unnecessary taxes?
  • What does your real retirement number look like—and how do you get there?


We turn complex financial planning into clear, confident action.

We Turn Complex Decisions Into Clear Direction

Case Study: From Uncertain to Ready for What’s Next

Meet David, a 58-year-old Houston business owner who’d built a successful logistics company—but had no clear path to retirement. His accounts were scattered across 401(k)s, IRAs, and brokerage funds, and he wasn’t sure when he could comfortably step back.


Here’s how we helped him build clarity:


  • Consolidated five accounts into one streamlined portfolio with tax-efficient allocation
  • Created a phased income plan, starting with partial work through age 62 and full retirement at 65
  • Built a SEP IRA contribution schedule to maximize savings and reduce taxes
  • Mapped Medicare and healthcare coverage ahead of time to avoid gaps
  • Project three financial scenarios—conservative, balanced, and growth—to plan confidently


The result:

  • A clear retirement age (65)
  • $7,400/month projected income
  • 100% confidence in his long-term plan



“I used to think I was behind. Now I know exactly where I stand—and that’s a huge relief.”
— David S., Houston Business Owner.

Explore Our Other Services in Houston, TX

List of Services

Why Houston Professionals Trust

Straight Talk CPAs

  • Licensed CPAs and fiduciary planners—not product pushers
  • Clear, fixed pricing (no commissions, no confusion)
  • 100% transparent reporting and tax-smart strategy integration
  • Local expertise with a national perspective
  • Ongoing support that grows with your life and goals

Ready to Retire With Confidence?

Your future shouldn’t feel uncertain. Let’s create a plan that turns your hard work into lifelong security—and finally shows you what “enough” really looks like.

FAQs

  • When should I start planning for retirement?

    Honestly, the sooner, the better—but it’s never too late to start. Most people get serious about 5–10 years before they want to retire, but we’ll meet you wherever you’re at.


  • Can you help me combine multiple retirement accounts?

    Yes, and you’ll feel so much lighter once it’s done. We’ll pull together your 401(k)s, IRAs, and investment accounts into one clear, tax-smart plan.


  • Do you only work with business owners?

    Not at all. A lot of our clients are entrepreneurs or professionals, but anyone who wants a solid, confident retirement plan is welcome.


  • How do you make retirement plans tax-efficient?

    That’s where the CPA part comes in. We look at timing, contributions, and withdrawals to make sure you’re keeping more of what you’ve earned.


  • What if I’m not ready to retire yet?

     That’s actually the perfect time to plan. The earlier you start, the more options you’ll have—and it means you get to retire by choice, not by chance.