Financial Planning doesn’t have to be difficult.  You deserve an independent wealth management team focused on personally protecting you from risk.  As your Financial Planner we work diligently in a fiduciary role for you. We optimize your cash flow, help you work towards making sound financial decisions, and work with you to help grow your retirement savings and protect what you have worked so hard for. All this we do so that you can focus on the more important things in life that really matter to you. We offer truly personalized wealth management in San Antonio and Austin.

Your San Antonio and Austin Wealth Management Professionals

We are a central Texas Financial Advisory company focused on active Asset Management and customized Financial Planning for retirees, business owners and other successful professionals.

Retirement account risk should be closely monitored by a wealth manager you trust.  Whether it’s in an IRA, 401(k), or other retirement savings account, you can’t afford to take big hits to your account value.  Working with a fee-only retirement planner who personally manages your investments and works towards helping you avoid large draw-downs is crucial to your retirement success.  Work with a Financial Advisor in San Antonio or Austin who can always tell you where you’re invested and why.

When to Work With a Money Manager:

San Antonio and Austin are great places to start a family, and this exciting time can be made so much more enjoyable by developing a strong financial plan before getting married or having a baby.  If you’re planning on starting a family  you should work with a financial advisor in San Antonio to develop a sound financial plan ahead of time.  Beginning a family presents new challenges in budgeting, planning for the future, and protecting your loved ones.  Your new family will want to work with an independent financial planner to consider things like insurance and saving for college.  For more on the benefits of working with an Independent Fee-only  Planner click here.

Working with a Retirement Planner as early as possible might be a good idea.

This is a good rule of thumb in planning for the future.  Most financial planners and asset managers can tell you that the best time to start your retirement planning is right now – regardless of your age.  The earlier you begin saving for retirement, the better chance you give yourself of reaching your goals in retirement and possibly setting and reaching other exciting goals as time goes on.

You may want to consult a Financial Advisor when you change jobs

When your employment situation changes, you need to decide what to do with the employer retirement plan you have been saving in.  Whether it’s a SIMPLE IRA, a 401k, 403b, ORP or other type plan, you should evaluate your current investments and decide what to do with it.  A 401(k) rollover is a common way to maintain control of your money and ensure access to a wide variety of investment decisions.  A Rollover IRA is usually a low cost option, and your financial advisor can help you evaluate your choices.  The important thing is to address this decision promptly so that you know what is going on with your retirement savings.  See more on reasons to rollover your 401(k).

If you are buying or selling a home or business in San Antonio,  you may want to consult a San Antonio Financial Advisor.

Large asset purchases and sales can require complex planning and it’s important to consider the financial ramifications of each decision, whether you are buying or selling.  Working with a financial advisor can help to lay these factors out and make an informed decision.  Soliciting the help of a fee-based financial planner is a great way to simplify your decision.  Why do we say pick one in San Antonio?  Working with a local advisor is just easier on you and allows for regular face-to-face contact with your advisor.  In this stage of your home or business ownership , simplicity  is key.

When considering a large purchase, you are faced with decisions about how to fund the purchase, what you can afford to pay, and how to structure any loans.  In addition, you want to make sure that you are buying in a way that meets with your overall plan for your money, and your financial adviser can help you work towards staying on the right track.  Possible insurance needs should be considered as well, and costs of insurance should be part of the overall evaluation of costs of your purchase.  Considering these things ahead of time might save you money, as well.

When selling an asset, it is important to determine several things beforehand.  You will want to work with an advisor to evaluate potential tax consequences, possible ways to minimize taxes, and what you will do with the proceeds of your sale.  If you are selling a business to fund your retirement, it’s especially important to have a plan for how to save that money and work towards making it last.  

When going through other significant changes in life

Although not pleasant, it is important to remember that sometimes life throws changes at us that we cannot control.  Going through life changes like death, divorce, illness or unemployment can present an individual or family with some major money related challenges.  Working with a financial consultant to weather the rough times can help take some of the confusion out of these hardships and allow you to focus on more personal matters.  

When planning to start a family, your Financial Planner can help you cover all the bases.

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