MRB Capital Group
Who We Help
MRB Capital Group serves a specific set of clients across Southeast Texas — people facing real financial decisions with real consequences. Here is who we work with and why each group requires a different approach.
Retirees & Pre-Retirees
Within 5 years of retirement — or already there
The decade surrounding retirement is the most financially consequential period of your life. Decisions made between ages 58 and 68 — when to claim Social Security, how to structure withdrawals, whether to convert pre-tax funds to Roth — are largely irreversible and compound over 25 or 30 years.
Richard Placette II works with Southeast Texas retirees and pre-retirees to build income plans that replace a paycheck, protect against sequence-of-returns risk, and account for rising healthcare costs, inflation, and the possibility of a long retirement. The goal is simple: you should never have to wonder whether your money will last.
401(k) Rollover Clients
Leaving an employer and facing a major financial decision
A job change, early retirement package, or layoff triggers one of the most consequential financial decisions many people ever face: what to do with a 401(k) balance that may represent decades of savings. The default option — leaving it in the former employer's plan or rolling it to whatever IRA the HR department suggests — is rarely the optimal one.
MRB Capital Group guides Southeast Texas workers through every dimension of the rollover decision: evaluating rollover vs. leave-in-plan, identifying net unrealized appreciation (NUA) opportunities for employer stock, executing a direct trustee-to-trustee transfer to avoid mandatory withholding, and building a withdrawal strategy that matches your retirement timeline. We review your full plan statement before recommending anything.
Business Owners
Self-employed, contractors, and small business owners
Business owners in Southeast Texas face a retirement planning challenge that salaried employees do not: there is no employer match, no automatic enrollment, and no HR department reminding you to save. The business itself often becomes the de facto retirement plan — which works until it doesn't.
Richard Placette II works with self-employed contractors, tradespeople, and small business owners to select the right retirement plan structure (SEP-IRA, Solo 401(k), SIMPLE IRA), maximize tax-deferred contributions around irregular income, and build a clear path from business ownership to retirement income — whether that means selling, transferring to family, or winding down. The earlier you start planning, the more options you have.
Refinery & Industrial Workers
ExxonMobil, Chevron Phillips, Motiva, and plant employees across Southeast Texas
Petrochemical and refinery workers in Southeast Texas face a set of retirement planning challenges that are genuinely different from those of the general population. Shift schedules, overtime income, pension lump sum elections, early retirement incentive packages, and employer stock concentration in 401(k) accounts all require an advisor who understands how these pieces interact.
MRB Capital Group has deep experience with the retirement decisions facing workers at Beaumont, Port Arthur, Orange, and Baytown-area industrial employers. Whether you are evaluating a pension lump sum vs. annuity, bridging income from early retirement to Social Security eligibility, or rolling over a large 401(k) balance after a voluntary separation, Richard Placette II builds a plan around your specific situation — not a generic template.
High-Income Professionals
Physicians, engineers, attorneys, and executives
High income creates high-stakes financial decisions. Professionals earning $200,000 or more per year face compressed timelines for wealth accumulation, complex tax situations, and a tendency to delay financial planning because the income feels like a safety net. It is not.
Richard Placette II works with Southeast Texas physicians, engineers, attorneys, and corporate executives to build tax-efficient investment strategies, maximize retirement account contributions across multiple plan types, and create income plans that sustain a professional lifestyle through a retirement that may last 30 years. For professionals with deferred compensation plans, stock options, or partnership equity, we model the tax impact of each distribution decision before it becomes irreversible.
Families Seeking Risk-Managed Investment Planning
Households who want to grow wealth without taking on unnecessary risk
Most families do not need an aggressive investment strategy. They need a disciplined one. A portfolio that loses 35% in a market downturn does not just hurt on paper — it can permanently alter a retirement timeline, force a return to work, or reduce the legacy a family leaves behind.
MRB Capital Group uses the Riskalyze platform to assign a Risk Number to every client's portfolio and compare it to their personal risk tolerance score. For Southeast Texas families, this process frequently reveals that their current investments carry far more risk than they realize — and far more than they need to take to reach their goals. We build portfolios that are sized for your actual risk tolerance, not the tolerance of a generic model portfolio.
Not Sure Where You Fit?
Most clients come to MRB Capital Group with a specific concern — a pension decision, a 401(k) they are not sure about, or a retirement date that is closer than they planned. You do not need to have everything figured out before calling. That is what the first conversation is for.
Schedule a 20-Minute Portfolio Risk Review
Find out whether your current portfolio matches the level of risk you are actually comfortable taking.
No obligation · No accounts transferred · Results shared only if you choose
Serving Clients Across Southeast Texas
MRB Capital Group serves retirees, pre-retirees, 401(k) rollover clients, business owners, refinery and industrial workers, high-income professionals, and families seeking risk-managed investment planning throughout Beaumont, Port Arthur, Orange, Lumberton, Baytown, Vidor, Nederland, Groves, Port Neches, Silsbee, Sour Lake, Bridge City, Winnie, Jasper, and the surrounding Southeast Texas region. Consultations available by phone and Zoom.