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Insights · The NFA Journal

Clarity for the Decisions
That Compound

Practical financial thinking from the Wagner family and the NFA planning team
— retirement, wealth, business succession and legacy, written for San Antonio
families and the people who build things here.

Featured

Retirement Planning

Building Retirement Income
That Lasts Through Market
Cycles

A paycheck stops the day you retire, but the bills do not. Here is the framework we use in San Antonio to turn a portfolio into income you can actually plan around — through good markets and bad.

Reagan Wagner · August 18, 2026 · 9 min read

Browse by topic

Where Families Tend to Have Questions

Retirement Planning

Turning a lifetime of saving into dependable
income.

Wealth Management

Portfolio strategy tied to your goals and time horizon.

Business-Owner Planning

Succession, continuity and the owner’s personal plan.

Estate & Legacy

Documenting how assets and values pass to the
next generation.

Tax-Aware Planning

Coordinating decisions so the tax bill is
intentional.

Risk & Insurance

Protecting the plan from the one event that
undoes it.

The Library

THE LATEST FROM THE NFA TEAM

Business-Owner Planning

Coordinating Business Succession With Your Personal Plan

For most owners, the business is the single
largest line on the balance sheet — and the
least liquid. A transition only works when the

Kristen Wagner · 11 min

Business-Owner Planning

Coordinating Business Succession With Your Personal Plan

For most owners, the business is the single
largest line on the balance sheet — and the
least liquid. A transition only works when the

Kristen Wagner · 11 min

Business-Owner Planning

Coordinating Business Succession With Your Personal Plan

For most owners, the business is the single
largest line on the balance sheet — and the
least liquid. A transition only works when the

Kristen Wagner · 11 min

Business-Owner Planning

Coordinating Business Succession With Your Personal Plan

For most owners, the business is the single
largest line on the balance sheet — and the
least liquid. A transition only works when the

Kristen Wagner · 11 min

Business-Owner Planning

Coordinating Business Succession With Your Personal Plan

For most owners, the business is the single
largest line on the balance sheet — and the
least liquid. A transition only works when the

Kristen Wagner · 11 min

Business-Owner Planning

Coordinating Business Succession With Your Personal Plan

For most owners, the business is the single
largest line on the balance sheet — and the
least liquid. A transition only works when the

Kristen Wagner · 11 min

All

Retirement Planning

Wealth Management

Business Owners

Estate & Legacy

Tax-Aware Planning

Risk & Insurance

Business-Owner Planning

Coordinating Business Succession With Your Personal Plan

For most owners, the business is the single
largest line on the balance sheet — and the
least liquid. A transition only works when the

Kristen Wagner · 11 min

Wealth Management

Five Wealth Decisions Worth
Reviewing Before Year-End

The last quarter of the year is when good
intentions become actual results. These are thefive items we put in front of San Antonio clients every autumn.

NFA Planning Team · 7 min

Business-Owner Planning

The Social Security Timing Decision Most Couples Get Backward

Claiming at 62 feels safe. For many married San Antonio couples, waiting on the higher earner is one of the most valuable moves available — and

Kristen Wagner · 11 min

Estate & Legacy

An Estate Plan Is a Values Document, Not Just a Legal One

Documents move assets. Conversations move families. The estate plans that hold up are the ones where the next generation understands

Kristen Wagner · 6 min

Wealth Management

When Most of Your Wealth Is Tied Up in One Position

A concentrated stock position built your wealth. Left unmanaged, it can also be the thing most likely to unwind it. Diversifying carefully is its own discipline.

NFA Planning Team · 8 min

Estate & Legacy

How to Talk to Your Adult Children About the Family Plan

The wealth transfer conversation is the one families most want to avoid and most benefit from having. A simple structure makes it far

Reagan Wagner · 5 min

The Quarterly Brief

One Well-Considered Idea,
Every Quarter

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