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Understanding Today’s Financial Environment

Welcome and thanks for visiting our website.  My name is Albert Cavazos, the owner and principal at AC Financial.

We understand the challenges you face in trying to organize and manage your personal finances.  With over 30 years experience in the financial services industry, we can provide you with a better approach that is simple, smart and more personal.  We can help you gain the peace of mind and security that comes with financial independence.  Whatever your goals may be (retirement, college savings, or estate planning) our services provide trustworthy guidance so you can prudently work towards achievements and long-term success.

Since beginning my career, I have worked to be a credit to my profession.  I always work in a fiduciary capacity with clients.  My institutional money management experience and credentials provide a favorable backdrop that's unique in the industry.

I would certainly welcome the opportunity to visit with you to see if we can help you achieve your dreams.

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Helpful Content

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What Can a Million Dollars Buy You?

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Strategies For Managing Student Loan Debt

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Five strategies for managing your student debt.

Perception vs. Reality

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

 

Countdown to College

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9 Facts About Social Security

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Making Sense Of A Home Warranty

Understanding the value of a home warranty.

Gun Ownership and Your Homeowners Policy

Gun owners need to make sure that their homeowners policy covers the full value of their firearm(s) as personal liability.

The Pre-Retirement Checklist

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Tax Deductions You Won't Believe

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Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Capital Gains Tax Estimator

Use this calculator to estimate your capital gains tax.

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This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

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This calculator compares the net gain of a taxable investment versus a tax-favored one.

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Determine your potential long-term care needs and how long your current assets might last.

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Enter various payment options and determine how long it may take to pay off a credit card.

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Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

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There are some smart strategies that may help you pursue your investment objectives

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

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A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

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What Our Kids Can Teach us About Saving Money

Would you guess that Millennials are effectively saving for retirement? Well, they are.

The Latte Lie and Other Myths

Do you know these three personal finance sayings?

Social Security: By the Numbers

Here are five facts about Social Security that might surprise you.

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Learn how to harness the power of compound interest for your investments.

Saving for College 101

Here’s a crash course on saving for college.

A Bucket Plan to Go with Your Bucket List

A bucket plan can help you be better prepared for a comfortable retirement.

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