Retire Smart Austin

08/27/2026

Creating picture-perfect retirements!

As a father and grandparent, Phil is proud to help fellow Texas couples and families achieve their financial dreams.

&Tax

08/25/2026

Over 20 years ago, the iPhone hadn't arrived, "social media" meant MySpace, and CDs were still king.

Just as technology has evolved, your retirement plan must adapt with the times.
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It's time to bring your old plan forward by moving away from the rules of yesterday, such as the 4% withdrawal rate and the 60/40 portfolio, to an adaptable, tax-diversified strategy focused on reliable income and longevity.

08/20/2026

Retire happy. Retire ready. Retire Smart.

Tune into Retire Smart Austin for insights from the team at Empower Wealth & Tax on how you can position yourself for lasting financial confidence leading up to and during retirement.

08/18/2026

Saving for retirement is just Step 1.

Critical considerations such as estate planning are worth flagging as you prepare for the next chapter of life.

08/13/2026

At Empower Wealth & Tax, we wear a lot of hats.

Whether you want a plan to fund your world travels in retirement or prefer to sock all your savings away to settle down with loved ones, we can provide a plan that helps you reach your goals.

&Tax

08/11/2026

After paying into Social Security for decades, it’s easy to see why some choose to receive paychecks the second they become available.

However, waiting a few years could significantly increase the total amount of guaranteed money you receive from the government.

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More than a quarter of Americans first claim Social Security benefits at age 62, permanently diminishing their retirement payments.

08/06/2026

It's always nice to put a face to a name.

Meet Phil, the advisor who's passionate about helping people navigate retirement with confidence.

08/04/2026

Preparing for retirement is easier with the help of a council.

Catch Phil on The Wealth Council, airing Sundays on Fox Business.

&Tax

07/28/2026

It's not just about having enough money; it's about feeling confident in your plan for the years ahead.

A little preparation today can make a big difference tomorrow. Visit EmpowerQuiz.com

07/23/2026

When the 4% rule for retirement planning was created in 1994, Beanie Babies were a hot collectible and Pulp Fiction had just debuted.

The rule is intended to provide a guideline for how much to withdraw in retirement safely so you don't outlive your money. But that was in 1994, and it’s fair to ask whether his formula still holds up.

https://ow.ly/mCZM50ZjtkR

The 4% rule for retirement spending was created over 30 years ago. Things have changed since then. Here's how you can modernize the rule to fit your needs.