Understanding Today’s Financial Environment
Welcome and thanks for visiting our website. We are Albert & Alexandra Cavazos, the father-daughter team of Wealth Advisors at AC Financial.
We understand the challenges you face in trying to organize and manage your personal finances. With over 35 years of combined 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 as you strive to gain the confidence and stability 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 of our careers, we have worked to be a credit to our profession. We strive to uphold a fiduciary standard with our clients. Our institutional money management experience and credentials provide a favorable backdrop that's desired in the industry.
We would certainly welcome the opportunity to visit with you to see if we can help you pursue your dreams.
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Helpful Content
Silver Sneakers 101
Medicare’s popular program, offering free gym membership and health education.
Stay Safe with a B.O.P. At Your Back
Learn about the advantages of Business Owner Policies with this highly educational and fun animated video.
Gap Insurance for Leased Cars
If you’re thinking of leasing a new car, then you shouldn’t forget about gap insurance.
Superhero Inspired Financial Empowerment Tools for Women
Women are becoming entrepreneurs at five times the national average1 — and their businesses are powering the economy, employing nearly 7.9 million people and generating $1.4 trillion in sales.
Home Ownership by the Numbers
Tips on home-buying for Millennials.
Filing Final Tax Returns for the Deceased
The federal government requires deceased individuals to file a final income tax return.
Do You Owe The AMT?
If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
Father Knows Best
Financial behaviors you learned from dad may be influencing your own confidence in managing money.
The Business Owner’s Quick Start Guide to College Funding
As a small business owner, you’re used to having to rely on yourself for everything from retirement planning to health insurance. Saving for your children’s college fund is no different. It may seem like a daunting task, yet there are strategies you can use to help fund your children’s education.
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What Is My Risk Tolerance?
This questionnaire will help determine your tolerance for investment risk.
What Is the Dividend Yield?
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Federal Income Tax
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
What Is My Current Net Worth?
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Bi-Weekly Payments
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Lifetime of Earnings
Estimate how much you have the potential to earn during your working years.
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5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
Protecting Those Who Matter Most
The importance of life insurance, how it works, and how much coverage you need.
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
Principles of Preserving Wealth
How federal estate taxes work, plus estate management documents and tactics.
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When the Unexpected Becomes Reality
Disability happens to more people, more often than you may think, and it lasts longer, too.
What Smart Investors Know
Savvy investors take the time to separate emotion from fact.
What is Life Insurance? Part 1
What is Life Insurance? Part 1
Emerging Market Opportunities
What are your options for investing in emerging markets?
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.
Surprise! You’ve Got Money!
Here’s a quick guide to checking to see if you have unclaimed money.