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.Contact Us
Smart investing doesn’t have to be complicated investing. Understanding strategies may help you avoid common pitfalls.Learn More
Where will your retirement money come from? A sound approach involves closely looking at potential retirement-income sources.Learn More
A sound insurance program can help protect your family from the financial consequences of unexpected events.Learn More
View all our educational videosLearn More
Variable Universal Life Insurance
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
Universal Life Insurance
Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
Is Term Life Insurance for You?
Term insurance is the simplest form of life insurance. Here's how it works.
Some people wonder if Social Security will remain financially sound enough to pay the benefits they are owed.
Medicare Part C allows you to choose a Medicare Advantage plan. This article will help you decide if it's right for you.
Federal estate taxes have long since been a lucrative source of funding for the federal government.
Protect yourself against the damage that your homeowners policy doesn’t cover.
Gaining a better understanding of municipal bonds makes more sense than ever.
There are common mistakes you can avoid when saving for retirement.
This calculator can help you estimate how much you should be saving for college.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Estimate how much income may be needed at retirement to maintain your standard of living.
Assess whether you are running “in the black” or “in the red” each month.
Estimate the total cost in today's dollars of various mortgage alternatives.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
Principles that can help create a portfolio designed to pursue investment goals.
The importance of life insurance, how it works, and how much coverage you need.
There are some smart strategies that may help you pursue your investment objectives
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Using smart management to get more of what you want and free up assets to invest.
Investment tools and strategies that can enable you to pursue your retirement goals.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
What are your options for investing in emerging markets?
Explaining the SECURE Act and how the changes affect your retirement strategy.
The decision whether to buy or rent a home may have long-term implications.
In the world of finance, the effects of the "confidence gap" can be especially apparent.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.