You spent decades building what you have. The years right before and after retirement decide how much of it you actually keep, how well it grows, and how much you leave behind. Kraus Capital builds one coordinated plan that handles all three, so nothing falls through the cracks.
CFP®-led | Fiduciary, fee-based | Veteran-owned | 27+ years of experience
Your accountant handles taxes. A broker handles investments. Someone else sold you an insurance policy years ago. No one is looking at the whole picture, and the gaps between those pieces are where retirement income leaks away.
At Kraus Capital, we coordinate tax planning, retirement income, investments, Social Security, healthcare, and your estate into a single written strategy. One plan. One fiduciary. One team accountable for the whole thing.
The Legacy Blueprint is how we work. It organizes your entire retirement around three simple ideas and a clear, four-phase path.
Protect what you have built and reduce the tax you pay over your lifetime. For most retirees, the IRS is the single largest expense in retirement, and it is the one most plans ignore.
Invest with purpose, matched to the income you will need and the risk you can actually afford to take, not a generic model.
Transfer your assets efficiently, on your terms, to the people and causes you care about.
See the full framework and the four phases on The Legacy Blueprint page.
We are an independent, fee-based fiduciary firm, which means we are legally and ethically required to put your interests first. We are not paid to sell products. Brian Kraus is a CERTIFIED FINANCIAL PLANNER™ professional with more than 27 years of experience, and Kraus Capital is proudly veteran-owned. Client assets are held at Charles Schwab, an independent custodian.
Every plan starts with tax, because that is where most retirement income is won or lost. From there we coordinate the rest.
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Reduce your lifetime tax bill, not just this year’s return.
Turn your savings into a reliable paycheck.
Purposeful portfolios matched to your income needs.
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Claim at the right time for your situation.
Pass on assets the way you intend.
Plan for Medicare and long-term care costs.
Protect the plan from the unexpected.
We work best with people in one of three situations:
Brian Kraus founded Kraus Capital to give people approaching retirement something the financial industry rarely offers: a single, coordinated retirement plan guided by an independent, fee-only fiduciary whose only responsibility is to act in their clients’ best interests.
With more than 27 years of experience, Brian helps individuals and families make confident decisions about pensions, Social Security, retirement income, insurance, and estate planning through a personalized, comprehensive approach. Learn more about Brian and the philosophy behind Kraus Capital.
For most retirees, the IRS is the single largest expense in retirement, bigger than housing, bigger than healthcare. The Boerne Retiree’s Tax Playbook is a plain-language guide to the seven decisions that shape your lifetime tax bill, written for people at, near, or in retirement in Boerne, the Hill Country, and across South Texas. Enter your details to get your free copy.
Not ready to talk yet? Start with a guide. Our most popular is the Tax Playbook, a plain-language walkthrough of the moves that lower your lifetime tax bill in retirement.
We build and manage coordinated retirement plans for people ages 55 to 70. That means handling your taxes, income, investments, Social Security, healthcare, and estate together as one strategy, with a fiduciary responsible for the whole picture.
We work best with individuals and couples ages 55 to 70 who have at least $700,000 in investable assets and want a coordinated, written plan rather than a single product. If that sounds like you, the free assessment is the fastest way to find out if we are a fit.
We are a fee-based fiduciary firm, so our compensation is transparent and discussed openly before you ever commit to anything. The right fee structure depends on your situation, and we will walk through it with you during your free assessment.
In about 15 minutes, we will help you see your full retirement picture and whether Kraus Capital is the right fit. There is no cost, no pressure, and no obligation.
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Disclosures: Investment advisory services are offered through Kraus Capital, a registered investment adviser. Advisory services are only offered to clients or prospective clients where Kraus Capital and its representatives are properly licensed or exempt from licensure.
Brian Kraus is a CERTIFIED FINANCIAL PLANNER™ professional. The CFP® marks are owned by the Certified Financial Planner Board of Standards, Inc. and are used in accordance with CFP Board guidelines.
Charles Schwab serves as the independent custodian for client assets. Kraus Capital is not affiliated with, and does not receive compensation from, Charles Schwab for custodial services. No strategy assures success or protects against loss. Past performance is not a guarantee of future results.
See our Privacy Policy and Form CRS for more information. These documents are provided by our compliance vendor.
