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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.
Contact Us
Helpful Content
What Can a Million Dollars Buy You?
$1 million in a diversified portfolio could help finance part of your retirement.
Donating Art: Taxation Abstraction
The tax rules that govern donating art are complex and confusing. Take a closer look.
Red Flags for Tax Auditors
Here are six flags that may make your tax return prime for an IRS audit.
Put It in a Letter
A letter of instruction provides additional and more personal information regarding your estate.
Inventorying Your Possessions
Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.
How Does Your Credit Score Compare?
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
Inflation - Back to the Future
Even low inflation rates over an extended period of time can impact your finances in retirement.
Problems with Probate
Probate can be a completely public process, or it can be managed to include as little information as possible.
Building Your Legacy
A four-step framework for building a personal legacy.
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A Look at Systematic Withdrawals
This calculator may help you estimate how long funds may last given regular withdrawals.
Federal Income Tax
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
Impact of Taxes and Inflation
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
How Much Home Can I Afford?
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Contributing to an IRA?
Determine if you are eligible to contribute to a traditional or Roth IRA.
Estimate Your RMD
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
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5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
Keys to Investing for Retirement
There are some key concepts to understand when investing for retirement
Retirement Plan Distributions
There are a number of ways to withdraw money from a qualified retirement plan.
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Protecting Those Who Matter Most
The importance of life insurance, how it works, and how much coverage you need.
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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 Power of Compound Interest
Learn how to harness the power of compound interest for your investments.
When Special Care Is Needed: The Special Needs Trust
A special needs trust helps care for a special needs child when you’re gone.
It Was the Best of Times, It Was the Worst of Times
All about how missing the best market days (or the worst!) might affect your portfolio.
Estate Management 101
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate
Ready for Retirement?
Are you ready for retirement? Here are five words you should consider.