How can we help?
submit form
Transitioning from “saving” to “spending” is one of life’s most stressful experiences. Our job is to preserve your nest egg from market risk and provide your family in McKinney, Allen, and Celina with a stable monthly “paycheck” for the rest of your life.
Getting Free From Retirement Anxiety — The Red Zone
The five years before retirement and five years after retirement are the most important when it comes to your financial future. If you’re a North Texas family with $500k-$2M+ in investable assets, you know the anxiety that comes with wondering if you’ve made a wrong turn.
You’ve worked hard to save for retirement, but once you stop working, your financial plan goes from aggressive growth to the endgame — and traditional investment solutions weren’t designed for this phase of life.
That’s why we focus on the 3 biggest threats to your family’s financial security:
Market risk during retirement
Also known as sequence of returns risk. A downturn in the first few years of retirement can irreparably harm your portfolio’s ability to last. To combat this we build “income floors,” so your lifestyle doesn’t have to.
RMD tax strategies
Did you know up to 50% of your IRAs and 401(k)s could end up with Uncle Sam? If you aren’t working with someone who plans for RMDs, you’re leaving money on the table. We help find Roth conversion opportunities that let you keep more of your hard-earned money when you need it.
Outliving your money
Worried about outliving a million-dollar portfolio? You’re not alone. Many retirees fear they’ll run out of money more than anything else. We help you plan for a lifetime of income by calculating your safe withdrawal rate in retirement — so you never need to downsize your lifestyle.
Retirement Income Solutions for Life
We create plans that give you a reliable monthly paycheck no matter what the market is doing. Our approach goes beyond stock/bond allocations to put your actual cash flows on autopilot.
Guaranteed Retirement Income With an Income Floor
Proven Tax-Efficient Retirement Distribution Strategies
If your financial advisor hasn’t reviewed your tax return with you, chances are you’re paying too much in taxes. We’re experts in tax-efficient retirement withdrawal strategies. That means coordinating your Social Security claiming with your investment portfolio withdrawals to help you minimize taxes over your lifetime.
Retirement Investing That Prioritizes Wealth Preservation
Investing in retirement isn’t a game of winner-takes-all. Peak American is a fiduciary advisor that prioritizes wealth preservation through conservative allocation and net-of-tax returns.
It’s not how much you make, it’s how much you keep that matters.
Why North Texas Families Choose Peak American
As homeowners and parents ourselves, we know how important it is to work with a financial advisor who lives within your community. We serve clients throughout the McKinney, Allen and Celina area and provide a high-touch, boutique experience you can’t get from a 1-800 number.
Commitment to put you first
We take our fiduciary responsibility seriously. Not only are we a fee-only fiduciary that has earned the Certified Wealth Specialists designation from the College for Financial Planning, but we go even further with our Fiduciary Pledge.
You’ll never pay a commission or kickback, so you know we have nothing to sell you and that our advice is always objective.
North Texas Families living & working in McKinney
We aren’t nationwide or multi-office. Not only do we live right here in North Texas, we love this area. Whether you got your start at Tenet Healthcare or PPG Paints, work with Academy or you’ve been in the area for generations, we get it. We’re not just reaching out to you with advice, we’re members of this community too!
You’re family, not a number
We don’t believe in handing you off to analysts or account managers. You have a financial advisor who won’t trade in your relationship when you reach a certain account size. We look forward to getting to know you and your family!
How Much Will Your Retirement Income Really Last?
Knowledge truly is power when it comes to retiring with confidence. Our Free Retirement Income Analysis will highlight the areas of your financial life you should consider addressing — before they become an issue.
We’ll look at your safe withdrawal rate, uncover hidden tax leakage, and make sure your Social Security claiming strategy is positioned to create the largest lifetime benefit possible.
Frequently Asked Questions
Here are some common questions we receive from the planners and clients who are ready to take their financial game to the next level.
Is it possible to retire with $1 million dollars?
What are RMD tax strategies?
Uncle Sam requires you to take taxable income from your retirement accounts at age 73/75. This Required Minimum Distribution can push you into a higher tax bracket and deplete your retirement savings. Our RMD tax strategies leverage Roth conversions and charitable contributions to lessen the impact of these forced distributions.
How do I know you’re the best financial advisor for my retirement?
You probably already know that most so-called “financial advisors” are really salespeople. Brokers don’t charge fees — they earn by getting paid when they sell you something.
Peak American Investments is a fee-only fiduciary that specializes in retirement income planning. Think of us as your insurance policy: While we can’t prevent market downturns or recessions, we can help make sure every area of your financial life is working in sync to protect you and your family.
When should I start taking Social Security benefits?
There’s no single, one-size-fits-all age. We look at your overall health, other sources of retirement income, and your spouse’s needs to help you decide when you should start taking your benefits.
submit form
Copyright ©2026 Peak American Investment Advisors
WordPress Web Design by: Big D Creative | Digital Marketing by: Dallas SEO Dogs