Retirement should feel like a new chapter, not a leap into the unknown. At Thieman Investments, we help West Texas clients map out reliable income, protect their savings, and make strategic decisions so your money lasts as long as you do. Whether you’re just beginning to save or already drawing on accounts, our holistic approach combines retirement planning with your broader financial plan. As independent financial advisors in San Angelo, we tailor solutions to your lifestyle, goals, and risk tolerance.
Planning for Your Future with Confidence
What We Cover in Retirement Planning
401(k) & IRA Rollovers
We help you move retirement assets smoothly when changing jobs or retiring, minimizing tax implications and preserving growth potential.
Income Withdrawal Strategies
We craft plans for how and when to draw funds from retirement accounts, managing tax efficiency and inflation risk.
Social Security & Medicare Timing
We analyze your best timing and benefit strategies to maximize what you receive, integrating it into your income plan.
Pension & Lump-Sum Guidance
For clients with pensions or pension buy-outs, we evaluate options and design strategies to balance lump-sum vs. lifetime income.
Longevity & Expense Projections
We model how long your savings need to last, considering healthcare, inflation, and lifestyle, so you don’t outlive your plan.
Why Work With Us
Why Choose Thieman for Retirement Planning
Retirement decisions are too important to leave to chance. Our advisors bring over 30 years of experience serving families in San Angelo and across West Texas. Because we operate independently, we aren’t tied to selling products—we focus only on solutions that suit your goals. Our process emphasizes clarity, communication, and adaptability, so as life changes, your retirement plan evolves with you. We believe in partnership: your goals guide our recommendations, and we work side by side.
What’s the difference between a rollover and leaving my money where it is?
Rolling over typically gives you more control, broader investment choices, and easier coordination with your overall plan. Leaving funds in a previous employer’s plan may limit options or tie you to legacy plan rules.
When should I claim Social Security?
That depends on your health, retirement age, and income sources. We help model scenarios to find the optimal timing for your situation.
How much should I withdraw each year?
We use withdrawal strategies rooted in your goals, tax considerations, and longevity models to recommend an amount that balances growth and security.
Can we adjust the plan later if circumstances change?
Absolutely. We review your retirement plan regularly and adjust for life events, market shifts, or updated goals to keep your strategy aligned.
