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Fiduciary Guidance for Life’s Biggest Decisions

Ashby Dawson, CFP®, AAMS® helps Amarillo families and retirees
navigate retirement, investments, taxes, and long-term planning
through an independent fiduciary approach centered around what
matters most to them.

Schedule a Conversation
Take The Retirement Readiness Quiz
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Fiduciary Guidance for Life’s Biggest Decisions

Ashby Dawson, CFP®, AAMS® helps Amarillo families and retirees
navigate retirement, investments, taxes, and long-term planning
through an independent fiduciary approach centered around what
matters most to them.

Schedule a Conversation
Take The Retirement Readiness Quiz
Kingsview Partners_Backgrounds (29)
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Money problems are rarely about money.

They’re almost always about something deeper — purpose, family, growth, the things we want to leave behind, the people we love most.

That’s the conversation we want to have with you.

I’m a fiduciary wealth manager in Amarillo. I work with pre-retirees and recent retirees — typically 50 to 70 — with $1 million or more in retirement and investable assets. The technical work matters: investment management, tax planning, retirement income, estate strategy. But over fifteen-plus years of doing this, I’ve learned that the people who get the most out of a planning relationship are the ones who let it become bigger than spreadsheets.

What You Can Expect

✓

Independent fiduciary advice — always in your best interest

✓

Thoughtful guidance for life’s biggest financial decisions

✓

A relationship built on trust, clarity & long-term partnership

✓

Strategies designed around the life you’re actually trying to live

Money problems are rarely about money.

They’re almost always about something deeper — purpose, family, growth, the things we want to leave behind, the people we love most.

That’s the conversation we want to have with you.

I’m a fiduciary wealth manager in Amarillo. I work with pre-retirees and recent retirees — typically 50 to 70 — with $1 million or more in retirement and investable assets. The technical work matters: investment management, tax planning, retirement income, estate strategy. But over fifteen-plus years of doing this, I’ve learned that the people who get the most out of a planning relationship are the ones who let it become bigger than spreadsheets.

What You Can Expect

✓

Independent fiduciary advice — always in your best interest

✓

Thoughtful guidance for life’s biggest financial decisions

✓

A relationship built on trust, clarity & long-term partnership

✓

Strategies designed around the life you’re actually trying to live

What We Help With

The technical work that supports the bigger conversations.

Investment Management — portfolios designed for your stage of life, not a model someone else built

Tax Planning — Roth conversions, withdrawal sequencing, IRMAA management, charitable giving strategy

Estate and Legacy Planning — multi-generational planning, beneficiary coordination, the Family Conversation

 

Retirement Income Planning — turning a portfolio into a sustainable paycheck for the next 25 to 30 years

Social Security Strategy — claiming optimization coordinated with the rest of your income

Healthcare and Medicare Planning — bridging coverage and managing IRMAA across retirement

 

Specialized Pantex Planning — pension elections, Voya Savings Plan rollovers, and the rest of the Pantex transition

Customized Strategies for Women — planning for the unique financial circumstances women often face in retirement, especially in transition

Business and Retirement Plans — for owners and key executives

What We Help With

The technical work that supports the bigger conversations.

Investment Management — portfolios designed for your stage of life, not a model someone else built

Tax Planning — Roth conversions, withdrawal sequencing, IRMAA management, charitable giving strategy

Estate and Legacy Planning — multi-generational planning, beneficiary coordination, the Family Conversation

Retirement Income Planning — turning a portfolio into a sustainable paycheck for the next 25 to 30 years

Social Security Strategy — claiming optimization coordinated with the rest of your income

Healthcare and Medicare Planning — bridging coverage and managing IRMAA across retirement

Specialized Pantex Planning — pension elections, Voya Savings Plan rollovers, and the rest of the Pantex transition

Customized Strategies for Women — planning for the unique financial circumstances women often face in retirement, especially in transition

Business and Retirement Plans — for owners and key executives

Ashby Dawson
ABOUT ASHBY

Ashby Dawson, CFP®, AAMS®

Partner | Wealth Manager, Kingsview Partners

Ashby Dawson is a fiduciary wealth manager who believes better financial decisions lead to healthier lives, stronger relationships, and greater confidence. As Partner and Wealth Manager at Kingsview Partners, she leads an independent practice in Amarillo, Texas, helping clients align their financial strategies with their deepest values and aspirations.

Ashby brings more than 15 years of experience and is a true fiduciary, working alongside clients when important decisions are made. She has been recognized as a Forbes Best-in-State Wealth Advisor and Best-in-State Women Wealth Advisor in 2022, 2023, and 2026.

“ We can’t perfect the world, but we can show up for the people in it — and hold ourselves to a standard worthy of the trust they place in us.
— Ashby Dawson

Forbes Best-In-State Wealth Advisors 2026 Forbes Best-In-State Top Women Wealth Advisors 2026

Awarded by Forbes and SHOOK Research. See Disclosures.

Ashby Dawson

Ashby Dawson, CFP®, AAMS®

Partner | Wealth Manager, Kingsview Partners

Ashby Dawson is a fiduciary wealth manager who believes better financial decisions lead to healthier lives, stronger relationships, and greater confidence. As Partner and Wealth Manager at Kingsview Partners, she leads an independent practice in Amarillo, Texas, helping clients align their financial strategies with their deepest values and aspirations.

Ashby brings more than 15 years of experience and is a true fiduciary, working alongside clients when important decisions are made. She has been recognized as a Forbes Best-in-State Wealth Advisor and Best-in-State Women Wealth Advisor in 2022, 2023, and 2026.

“ We can’t perfect the world, but we can show up for the people in it — and hold ourselves to a standard worthy of the trust they place in us.
— Ashby Dawson

Forbes Best-In-State Wealth Advisors 2026 Forbes Best-In-State Top Women Wealth Advisors 2026

Awarded by Forbes and SHOOK Research. See Disclosures.

Explore Financial Resources

Insights, Tools & Education — Curated for Amarillo Investors

Stay informed with Kingsview’s library of expert insights, financial guides, and educational videos — all designed to help you make smarter, more confident decisions about your wealth.

START LEARNING →
The Retirement Tax Bomb eBook

The Retirement Tax Bomb

Don’t let these hidden tax surprises blow up your retirement plans.

Download Now
The Business Owner's Guide to Lasting Wealth For Business Owners

The Business Owner's Guide to Lasting Wealth

Turn your hard work and sweat equity into lasting wealth.

Download Now
The Retirement Income Playbook eBook

The Retirement Income Playbook

A comprehensive guide to building a retirement income strategy.

Download Now

Explore Financial Resources

Insights, Tools & Education — Curated for Amarillo Investors

Stay informed with Kingsview’s library of expert insights, financial guides, and educational videos — all designed to help you make smarter, more confident decisions about your wealth.

The Retirement Tax Bomb eBook

The Retirement Tax Bomb

Don’t let these hidden tax surprises blow up your retirement plans.

Download Now
The Business Owner's Guide to Lasting Wealth For Business Owners

The Business Owner's Guide to Lasting Wealth

Turn your hard work and sweat equity into lasting wealth.

Download Now
The Retirement Income Playbook eBook

The Retirement Income Playbook

A comprehensive guide to building a retirement income strategy.

Download Now

Three Conversations We’re Often Having

Most of the people I meet come to me at one of three moments. Each one looks like a financial question on the surface. Each one is almost always about something else underneath.

Transition Icon

Path 1

The Transition:
“Are We Ready to Retire?”

On paper, this looks like a math question. In real life, it almost never is. It’s about identity, purpose, and what fills the day when work no longer does.

Wealth Inflection Icon

Path 2

The Wealth Inflection:
“I’ve Outgrown This Setup”

Transitions we didn’t choose — a loss, a sale, a life change — often uncover a need for clarity, confidence, and a new financial foundation.

Legacy Icon

Path 3

The Legacy Pivot:
“What Are We Leaving Behind?”

It’s not just about what you leave behind. It’s about the values, conversations, and preparation that help your legacy make the impact you intend.

Three Conversations We’re Often Having

Most of the people I meet come to me at one of three moments. Each one looks like a financial question on the surface. Each one is almost always about something else underneath.

Transition Icon

Path 1

The Transition:
“Are We Ready to Retire?”

On paper, this looks like a math question. In real life, it almost never is. It’s about identity, purpose, and what fills the day when work no longer does.

Learn more about this conversation →
Wealth Inflection Icon

Path 2

The Wealth Inflection:
“I’ve Outgrown This Setup”

Transitions we didn’t choose — a loss, a sale, a life change — often uncover a need for clarity, confidence, and a new financial foundation.

Learn more about this conversation →
Legacy Icon

Path 3

The Legacy Pivot:
“What Are We Leaving Behind?”

It’s not just about what you leave behind. It’s about the values, conversations, and preparation that help your legacy make the impact you intend.

Learn more about this conversation →

Meet The Team

Great outcomes are never the work of one person. Ashby leads a team whose talents complement one another and whose shared dedication to clients shows up in everything they do.

Justin Troster

Justin Troster

A natural problem solver who finds clear paths through complex situations.

Ashley Giffin

Ashley Giffin

The steady force whose fortitude and organizational excellence keep the practice running with precision.

Carson West

Carson West

A tireless work ethic and the kind of genuine warmth that puts clients at ease from day one.

Together, we are committed to building authentic, lasting relationships with the families
and businesses we serve.

Meet The Team

Great outcomes are never the work of one person. Ashby leads a team whose talents complement one another and whose shared dedication to clients shows up in everything they do.

Justin Troster

Justin Troster

A natural problem solver who finds clear paths through complex situations.

Ashley Giffin

Ashley Giffin

The steady force whose fortitude and organizational excellence keep the practice running with precision.

Carson West

Carson West

A tireless work ethic and the kind of genuine warmth that puts clients at ease from day one.

Together, we are committed to building authentic, lasting relationships with the families and businesses we serve.

Frequently Asked Questions

Below are the questions we hear most often from pre-retirees and retirees with $1M+ in investable assets. These answers are educational and not personalized advice — your situation will have its own specifics.

1. What does it actually mean to be a fiduciary?+
A fiduciary is legally obligated to act in your best interest at all times — not just at the moment a recommendation is made. Many advisors operate under a lower standard called "suitability," which only requires that a recommendation be appropriate, not optimal. For someone with $1M+ in assets, the difference between "suitable" and "in your best interest" can be tens or hundreds of thousands of dollars over a retirement.
2. Why would I work with an independent advisor instead of a big brand name?+
Independent advisors aren’t tied to a parent company’s product shelf. That means recommendations are filtered by what’s right for you, not what your firm has on the menu. For households with significant assets, independence often translates to broader investment access, more sophisticated tax planning, and a relationship that doesn’t depend on the advisor staying employed at a particular firm.
3. What’s the difference between an investment manager and a wealth manager?+
An investment manager invests your portfolio. A wealth manager builds an integrated plan around your investments, taxes, retirement income, estate, healthcare, insurance, and goals — then coordinates them so they work together. For most $1M+ households, the planning work is where the real value sits. Investment management without planning leaves significant value on the table.
4. How are you compensated, and how does that affect your advice?+
We are fee-based fiduciaries. Our compensation comes primarily from advisory fees on assets we manage, paid by clients directly. We do not earn commissions on product sales. This structure aligns our incentives with our clients’ long-term success rather than with the sale of any particular product. We’re happy to walk through the fee structure in detail in our first conversation.
5. How do I know if I have enough to retire?+
"Enough" depends on your spending, your other income sources, your tax situation, your healthcare costs, your longevity, and the kind of retirement you want to live. A complete retirement income plan models all of these together — across 25–30 years and stress-tested against bad investment returns, unexpected events, and inflation. The right answer isn’t just "do I have $1M" — it’s "does the plan hold up at the 10th percentile?"
6. When should I claim Social Security?+
Most pre-retirees benefit from waiting past Full Retirement Age — each year you delay past FRA, up to age 70, increases your benefit by roughly 8%. But "most" is not "all." The right claiming age depends on your other income, your spouse’s benefit, your health and longevity expectations, and your tax bracket. For couples, claiming strategy gets meaningfully more complex — and meaningfully more valuable to optimize.
7. What is a Roth conversion, and should I be doing them?+
A Roth conversion moves money from a traditional retirement account (taxable when withdrawn) to a Roth IRA (tax-free forever). You pay tax in the year of conversion. For pre-retirees with $1M+ balances, the years between retirement and age 73 (when RMDs begin) are often the highest-leverage tax planning window of your life. Done well, multi-year conversion strategies can save $200,000–$700,000 over a retirement.
8. How do I minimize taxes on my retirement income?+
Tax planning for high-net-worth retirees usually involves three levers: timing (when you take income from each account), location (which account types you draw from in which order), and conversion (moving money from tax-deferred to tax-free vehicles in low-bracket years). The years between retirement and age 73 are often the highest-leverage tax planning window of your life. We help clients map out a 10–20 year tax projection and plan around it annually.
9. What is IRMAA and why does it matter?+
IRMAA is the Income-Related Monthly Adjustment Amount on Medicare premiums. It increases your Part B and Part D premiums when your modified adjusted gross income exceeds certain thresholds. For high-net-worth retirees, RMDs, Social Security, and other taxable income can stack quickly and trigger IRMAA surcharges that follow you for years. Smart planning before Medicare eligibility — particularly through Roth conversions — can reduce or avoid these surcharges.
10. What did the SECURE Act change about inherited IRAs?+
The SECURE Act of 2019 eliminated the "stretch IRA" for most non-spouse beneficiaries. Where children once could inherit a traditional IRA and stretch withdrawals over their lifetimes, they now have to drain inherited traditional IRAs within 10 years of the original owner’s death. For high-net-worth households, this often pushes inherited income into adult children’s peak-earning years and highest tax brackets. Roth conversions during the parents’ low-bracket years are one of the most powerful ways to soften the impact.
11. How do we pass wealth to our children without creating problems?+
Passing wealth well is rarely a tax question alone. It’s also a values question — how do you want your children and grandchildren to relate to the money they receive? We work with clients on the technical side (trusts, beneficiary designations, generation-skipping strategy) and on the conversational side (family meetings, written letters of intent, charitable structures) so wealth becomes a tool for the family’s flourishing rather than a source of friction.
12. How should we think about charitable giving in retirement?+
For high-net-worth retirees, charitable giving has both a "what" and a "how." The "what" is your values — the people, causes, and communities that matter most. The "how" is the tax-aware structure: donor-advised funds, qualified charitable distributions, appreciated stock gifts, charitable remainder trusts, and direct giving each have different tax consequences. Done thoughtfully, your giving can do more good and cost less than you might expect.
13. What is your typical client like?+
Most of our clients are pre-retirees or recent retirees, between 50 and 70, with $1 million or more in retirement and investable assets. They tend to value clarity, integrity, and a long-term relationship over flashy promises. Many are professionals, executives, business owners, and Pantex employees in the Texas Panhandle, but we work with clients across Texas and beyond.
14. Do you have a minimum?+
We work with a select number of households at a time so we can give each one the attention they deserve. Most of our new client relationships begin at $1M+ in investable assets. If your situation is close to that threshold or you’re soon to be there — for example, approaching a retirement liquidity event — the conversation is still worth having.
15. How do we get started?+
The first step is a confidential conversation — no cost, no obligation. We’ll ask about your situation, your timeline, and what you’re trying to accomplish. If we’re a good fit, we’ll lay out exactly what working together looks like. If we’re not, we’ll point you toward someone who is. Either way, you’ll leave the conversation with more clarity than you came in with.

Next Step

A Confidential Conversation Is the Right Place to Start.

If you’re a pre-retiree or retiree in the Amarillo area — or anywhere across Texas — we’d be honored to talk. We’ll listen first, and you’ll leave with clarity whether you choose to work with us or not.

Next Step

A Confidential Conversation Is the Right Place to Start.

If you’re a pre-retiree or retiree in the Amarillo area — or anywhere across Texas — we’d be honored to talk. We’ll listen first, and you’ll leave with clarity whether you choose to work with us or not.

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© 2025 Kingsview Partners. All rights reserved.

This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice. Investment advisory services are offered through Kingsview Wealth Management ("KWM"), an SEC Registered Investment Advisor. Insurance products and services are offered and sold through Kingsview Trust and Insurance Services ("KTI") and individually licensed and appointed insurance agents.

Financial Advisor Ashby Dawson was recognized as one of America’s Top Wealth Advisors by FORBES for 2026. Rankings are based on an algorithm of quantitative data collected through surveys, in-person and phone interviews collected by SHOOK Research, LLC, as of June 30, 2025. Kingsview Partners paid no application fee to participate.
 
Financial Advisor Ashby Dawson was recognized as one of America’s Top Women Wealth Advisors by FORBES for 2026. Rankings are based on an algorithm of quantitative data collected through surveys, in-person and phone interviews collected by SHOOK Research. Kingsview Partners paid no application fee to participate.