Achieve a work optional lifestyle and make everyday a Saturday
You can achieve radical confidence in retirement, but it doesn't start with a pie-chart. It takes planning. That's where we come in.
About Us
The Retirement Wealth Roadmap
Why are you here?
Many retirees don’t run out of money first — they run out of certainty.
They wake up with questions that never quite go away. Am I spending too much? Will the market take this away? How long will this really last?
That quiet anxiety chips away at what retirement was supposed to feel like — the freedom, the joy, the open space to live life on your own terms. Instead of abundance, it starts to feel like scarcity.
At Retirement Wealth Professionals, we don’t sell optimism. We help you build resilience. Our approach is designed to make you antifragile — to create a financial life that although isn't immune to volatility, it doesn't have to be feared.
Because having confidence in retirement isn’t just a feeling. It’s a function of structure, discipline, and clarity — knowing that your plan is built to withstand the unpredictable and still deliver freedom on the other side.
That’s the point of The Retirement Wealth Roadmap™ — to replace uncertainty with clarity and control. So you don’t spend retirement managing money, but directing life. Because real wealth isn’t measured in returns — it’s measured in the freedom to use your time exactly as you choose.
The Retirement Wealth Approach
We believe there are many conventional options for managing money during retirement and without the correct strategy, they can simply overlook or miss providing for all of the simultaneous needs and requirements of the modern retiree. We believe that too much emphasis is being placed on individual investment products. The Retirement Wealth Roadmap has been developed and refined to put all of the pieces of your financial puzzle together. It is designed to continually adapt as your life and world evolve so you are empowered to make good financial decisions
Retirement Income Architects
The RWP Lifetime Income Portfolio is a fully customizable retirement income planning model that is designed to address significant areas of need for most typical retirees.
This means providing income, growth/preservation of principal, and liquidity for emergencies all at the same time while also seeking to minimize volatility and achieve predictability with income.
Institutional Asset Management
Retirement is ultimately about dignity and independence. Those two become more expensive every year.
We believe owning shares of the great businesses in the United States and the world gives retirees the greatest probability of maintaining the power of their purse throughout retirement.
Our institutional asset management process is mathematical, repeatable and non-emotional so that you can enjoy your retirement.
Tax-Forward Planning
How are you navigating the new tax laws? Which account do you pull from as you draw down your assets? How do you create the most tax-efficient income for the rest of your life? While most tax planning focuses on past decisions, with shoeboxes of receipts, our Retirement Wealth Roadmap can help you develop an integrated income plan to help reduce and potentially eliminate taxes on your retirement income where possible.
HealthShield
When your employer is no longer there to vet, purchase, and implement your health insurance needs, you need a trusted healthcare/Medicare specialist. Our Roadmap process will help you navigate the Medicare system to align with your highest care and wellness priorities. We'll also help you understand and integrate cutting edge Long-Term Care strategies so less of your life savings go to Doctors, hospitals, and assisted living facilities.
Stewardship & Legacy
Legacy is more than the dollars you want to leave. We challenge our clients to think outside the box, to consider and then communicate the experiences, setbacks and even the failures that helped shape their success. The goal is to abolish entitlement and instead empower future generations to not just make a living, but create a life. In this part of the process, we'll help you create and secure the foundations of a meaningful legacy and succession plan.
Our Clients
We work with people who want to chart their own financial future. The path forward isn't dictated by their employers or government programs- it's built by the choices you make everyday. Our role is to give you the tools and strategies to take command and move with confidence.
Real panoramic planning starts with your vision, with what it is you are actually trying to achieve. It's simple, but not easy, and we can't answer that question for you. Our clients know that clarity brings confidence and control. We have the ability and expertise, but none of this works without your effort, energy and commitment.
Our clients, those who are in and approaching retirement and are looking for certainty in a crazy world, see us as their Chief Retirement Officers. We think about Social Security, tax law changes, stock market volatility and how it impacts income streams, and rising healthcare costs- so they don't have to. And we do it with our clients best interest in mind.
Want to make everday a Saturday? Let's Connect
Whether you are just looking for a sounding board right now or are ready to implement your own Retirement Wealth Roadmap, we're here to serve you.
© Copyright 2026 All rights reserved.
Retirement Wealth Pro (RWP) is not affiliated with or endorsed by the Social Security Administration, Medicare, the Security Exchange Commission (SEC), or any other government agency. RWP does not provide tax, estate, or legal advice. Consult with your tax, estate, or legal professional prior to making any financial decisions for your personal situation. Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. Retirement Wealth Professionals and CreativeOne Wealth are unaffiliated entities. We are not affiliated with or endorsed by the Social Security Administration, Medicare, the Security Exchange Commission (SEC), or any government agency. RWP does not provide tax, estate or legal advice.
Licensed insurance professional. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Past performance may not be used to predict or project future results. This material is for informational purposes only and should not be construed as a recommendation or advice for your particular circumstances.
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations). CLICK HERE for Creative One Wealth's Privacy Notice.
Austin, Texas · Serving clients nationwide
Make every day a Saturday.
You can achieve radical confidence in retirement, but it doesn't start with a pie chart. It takes planning: a work-optional life built around what you actually want, and the math to fund it.
Complimentary. Built on your real numbers. No obligation.
Why are you here?
Many retirees don't run out of money first. They run out of certainty.
That quiet anxiety chips away at what retirement was supposed to feel like: the freedom, the joy, the open space to live life on your own terms. Instead of abundance, it starts to feel like scarcity.
We don't sell optimism. We help you build resilience. Our approach is designed to make you antifragile, with a financial life that isn't immune to volatility, but doesn't have to fear it either. Confidence in retirement isn't a feeling. It's a function of structure, discipline and clarity.
See how the Roadmap works
Retire to something
What will you do with all those Saturdays?
Retirement planning is so much more than how much money you have. It's about who you get to become. So before we ever talk about investments, we ask a better question: what does a great Tuesday look like for you ten years from now?
- The gardenTime to grow something that isn't a quarterly number.
- The grandkidsSaying yes to every recital, game and road trip.
- The open roadThe places you've been putting off "until retirement."
- The givingSupporting the people and causes that shaped you.
Your money is the vehicle. Our job is to make sure it can carry the life you actually want, for as long as you're here to live it.
Start with your visionThe Retirement Wealth Roadmap™
All the pieces of your financial puzzle, working together.
Too much of this industry is focused on individual products. The Roadmap puts every piece together, and keeps adapting as your life and the world change, so you can make good decisions with confidence.
Pillar 01 · Retirement Income Architects
The RWP Lifetime Income Portfolio
A fully customizable retirement income planning model designed to address the significant areas of need for most retirees: income, growth or preservation of principal, and liquidity for emergencies, all at the same time, while seeking to minimize volatility and bring predictability to your income.
- How much can I safely spend?
- When should I claim Social Security?
- Which income is dependable in a bad year?
- Where does my emergency money live?
Pillar 02 · Institutional Asset Management
Retirement is about dignity and independence.
Those two get more expensive every year. We believe owning shares of great businesses in the United States and around the world gives retirees the greatest probability of maintaining the power of their purse throughout retirement. Our process is mathematical, repeatable and non-emotional, so you can enjoy your retirement instead of watching the ticker.
- Does my portfolio fit this season of life?
- Am I invested at 65 like I was at 50?
- Is every fee earning its place?
- Who actually holds my money?
Pillar 03 · Tax-Forward Planning
Never let taxes drive the bus. But never ignore them either.
Most tax planning looks backward, at shoeboxes of receipts. We look forward. Which account do you pull from, and when? How do you create the most tax-efficient income for the rest of your life? Your Roadmap integrates your income plan to help reduce, and where possible potentially eliminate, taxes on your retirement income.
- Should I do Roth conversions, and how much?
- What will RMDs do to my bracket?
- Will IRMAA raise my Medicare premiums?
- What will my heirs owe on my IRA?
Pillar 04 · HealthShield
When your employer isn't there to handle it anymore.
Someone used to vet, purchase and implement your health insurance for you. In retirement, that's on you. Your Roadmap helps you navigate Medicare to align with your highest care and wellness priorities, and integrate long-term care strategies so less of your life savings goes to doctors, hospitals and assisted living facilities.
- Which Medicare path fits my priorities?
- How do I plan for long-term care?
- What if I retire before 65?
- How do health costs fit my income plan?
Pillar 05 · Stewardship & Legacy
Legacy is more than the dollars you leave.
We challenge our clients to think outside the box: to consider, then communicate, the experiences, setbacks and even failures that shaped their success. The goal is to abolish entitlement and empower the next generation to not just make a living, but create a life. Together we build the foundations of a meaningful legacy and succession plan.
- What do I want my money to say?
- Which assets are most efficient to leave?
- How does the 10-year rule affect my kids?
- How do I pass on values, not just assets?
How we think about income
One pool of money can't do every job at once.
The 4% rule, living off dividends, a 60/40 portfolio: they all ask one bucket to provide income, preserve principal, fight inflation, stay liquid and grow for 30 years. That's an enormous burden. So we separate the jobs.
The income job
A portion of your capital is dedicated to dependable lifetime income, your lifeboats, so a bad year in the market never forces you to sell at the wrong time.
- Social Security, timed on purpose
- Pensions and dependable income sources
- Reserves that don't ride the market
The growth job
Once income is protected, the rest can stay invested for the long run, without having to fund this month's withdrawals. That's how you keep the power of your purse for decades.
- Disciplined, cost-efficient, tax-aware
- Owning great businesses for the long term
- Room to recover when markets don't cooperate
"It's more important to ensure survival under negative outcomes than to predict returns under favorable ones."
Interactive · The IRA tax trap
With IRAs, the more you compound the gains, the more you compound the taxes.
Defer, defer, defer built most retirement savings. Then required minimum distributions start forcing money out every year, taxed as ordinary income. See roughly what yours could look like.
Hypothetical illustration for education only. Assumes a constant growth rate, no withdrawals before RMDs begin, and the IRS Uniform Lifetime Table; it is not a projection of any investment and actual results will vary. RMD rules can change. RWP does not provide tax advice; consult your tax professional.
Your Retirement GPS
Three steps from "I hope" to "I know."
Meeting one
Discovery & Vivid Vision
What does your money represent to you? Where do you want to go, and how do you want to give? Before any numbers, we talk about your life.
Your strategy session
Design & Refine
Where you are, where that's taking you, and what needs to change. Built on your real numbers, not examples, with every scenario side by side.
When you're ready
Launch
A panoramic plan where every pillar coordinates with the others, and adapts as your life unfolds. Welcome to the work-optional lifestyle.
Meet the founder
Cody A. Crawford, RICP®
Husband. Family man. Crafter of retirement plans.
"There's no version of 'successful' in my life if I didn't get the family part of it right first."
Cody has spent more than 13 years helping individuals and families put all the pieces of their financial puzzle together, so money becomes the vehicle for true fulfillment, joy and love in their lives. His clients see him as their Chief Retirement Officer: he thinks about Social Security, tax law changes, market volatility and rising healthcare costs, so they don't have to.
The RWP AI Guide
Got a question at 11 p.m.? Ask it.
Our AI Guide is trained on how we think about retirement: the IRA tax trap, Roth conversions, tax brackets, Social Security, and how we work with clients. Straight answers, in plain English, any time.
- Educational only. It never sells, and never pretends to be a person.
- Built on RWP's own planning philosophy and education library.
- When it's personal, it points you to a strategy session with Cody.
Tap a topic
AI-generated educational information, not personal advice. Please don't share account numbers or other sensitive details in chat.
Let's connect
Want to make every day a Saturday?
Whether you're looking for a sounding board right now or you're ready to build your own Retirement Wealth Roadmap™, we're here to serve you.
Retirement WealthPROFESSIONALS
Helping people become Highly Paid Retirees.
Explore
Contact us
- (512) 737-0176
- [email protected]
- HQ: 6300 Evalina Trail, Austin, TX
Retirement Wealth Pro (RWP) is not affiliated with or endorsed by the Social Security Administration, Medicare, the Security Exchange Commission (SEC), or any other government agency. RWP does not provide tax, estate, or legal advice. Consult with your tax, estate, or legal professional prior to making any financial decisions for your personal situation. Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. Retirement Wealth Professionals and CreativeOne Wealth are unaffiliated entities. We are not affiliated with or endorsed by the Social Security Administration, Medicare, the Security Exchange Commission (SEC), or any government agency. RWP does not provide tax, estate or legal advice.
Licensed insurance professional. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Past performance may not be used to predict or project future results. This material is for informational purposes only and should not be construed as a recommendation or advice for your particular circumstances.
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations). CLICK HERE for Creative One Wealth's Privacy Notice.