Texas Retirement Planning
MAA Consulting
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
MAA Consulting is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
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Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
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Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
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Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Martin Aleman, MBA
Retirement Planner/Benefits Counselor
Helping families bridge the gap between financial security and life challenges since 2015.
My career has been multifaceted within the insurance industry. My initial role was in the claims arena. My wife worked for an agent. For many years he asked us for the opportunity complete a financial plan for our future. We took his advice, and the plan worked. This experience made me realize that I wanted to help people achieve financial success. In 2015, I decided it was time to start helping people reach their unrealized financial goals and dreams.
Everyone’s situation and needs are are different. I am here to ensure that you can say “yes” to your dreams without compromising your future. Bring me your challenges and I will help you find the right solutions.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in June–August 2026
- There are no events scheduled during these dates.
Our Downloads
Navigating Medicare and Medigap Insurance
One of your largest retirement expenses could be your healthcare costs. An average 65-year-old couple retiring today will need an estimated $315,000 to cover their healthcare costs, according to one study. Unfortunately, the Medicare system can be quite complex. This leads too many retirees to overspend on healthcare expenses and receive suboptimal coverage over the span of their retirement. Don’t pay more than you should for the health services and coverage you deserve! Read this guide to learn about:
Optimizing Your
Social Security
Many Americans rely on Social Security in retirement, counting on it for their monthly income. That’s why it’s crucial to understand how to construct a tailored Social Security claiming strategy for your unique financial situation and timeline. But even if you don’t rely on it, you could still benefit from knowing when the right time to claim Social Security is for you. Although you will most likely not be able to maintain your current lifestyle on a Social Security benefit alone, it can make up a significant portion of your income and is guaranteed for as long as you live.
Our Blog
Annuity Dos and Don’ts
Annuities can be a significant component of retirement planning, offering a source of retirement income. However, to understand the features [...]
Legacy Planning: The ‘Ins and Outs’ of Directives and Designations
Legacy planning efficiently transfers a person’s estate and assets after death. This planning is more than just asset distribution. It [...]
10 Ways to Teach Kids Financial Literacy
Understanding financial literacy concepts such as budgeting, saving, and investing is crucial for everyone, children included. Financial literacy is the [...]
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
