Our Services
What We Do
For Our Clients
Our top priority is helping you and your family achieve financial independence and improve your quality of life. While much of our work can be described across three primary areas — Financial Planning, Investment Management, and Wealth Management — our services go wherever they need to in order to help you succeed.
Long-term relationships built on trust, openness, and honest communication are at the heart of everything we do.
Financial Planning
We strive to take an enlightening, structured approach to understanding and improving your entire financial life.
We bring all your finances together, organize them clearly, and aim to help you manage them with simplicity and confidence. Our planning is goal-oriented, with meaningful benchmarks and regular progress evaluations, so you always know where you stand on the path toward your goals and dreams.
The more clarity and insight you seek to gain, the more empowered you are to make smart decisions, prepare for the unexpected, and build the future you envision.
Wealth Management
Our Wealth Management service brings together the full power of personalized Financial Planning and disciplined, Strategic Asset Management. We act as your personal CFO — pursuing informed decisions, optimizing your finances, and stay focused on what matters most.
With a comprehensive approach, we design and manage your portfolio with an emphasis on tax-efficient strategies to help you keep more of what you earn. Beyond investing, we aim to guide you in building a thoughtful legacy plan, so your wealth reflects your values and benefits the people and causes you care about.
The result is a coordinated, long-term strategy that strives to give you clarity, confidence, and a trusted partner dedicated to your financial success.
Strategic Asset Management
Our Investment Management services are designed to align your portfolio with your goals, rish tolerance, and stage of life.
We begin by helping you select the investment objective that best reflects your priorities — 1) Preservation of Capital, 2) Income with Moderate Growth, 3) Growth with Income, or 4) Growth.
Using our fee-based Strategic Asset Management (SAM) platform, we collaborate with you on an ongoing basis and give you access to some of the industry's premier investment managers. We diversify your portfolio across a range of asset classes — including stocks, bonds, and cash equivalents— to help you participate in multiple market sectors while aiming to reduce overall volatility.
The result is a disciplined, research-drives investment strategy built around you, supported by continuous guidance and a commitment to long-term performance.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against a loss.
Faqs
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
When you engage AC Financial, you receive personalized attention from both of our Financial Advisors, Albert Cavazos, CFA, and Alexandra Cavazos. Albert leads our investment management platform, while Alexandra leads our financial planning initiatives. Together, they collaborate closely to deliver a coordinated strategy aligned with your goals.
In addition, our talented Operations Manager led by Amaya Ortiz, provides dedicated support to ensure your experience with our firm remains organized, attentive, and efficient at every stage of the relationship.
At AC Financial, we meet with clients as often as necessary to develop a thorough understanding of your goals, priorities, and long-term vision.
During the onboarding phase, meetings are typically more frequent as we take the time to thoughtfully design, build, and refine your plan.
Once your strategy is implemented, the frequency of our meetings is tailored to your preferences and focused on monitoring progress and making adjustments as needed.
At a minimum, we conduct a comprehensive annual review to ensure your strategy remains aligned with your evolving goals and financial circumstances.
We will work with you in whichever way is most convenient and comfortable for you. While we value in-person meetings whenever possible, they are not required. We serve clients across the country and regularly connect by phone or video conference, providing the same level of care, attention, and personalized guidance.
Most importantly, regardless of how we meet, you can rely on us to be accessible and responsive whenever you need guidance or support.
At AC Financial, we operate as fee-based fiduciary advisors. our annual fee is based on the assets we manage for you and the investment strategy implemented on your behalf. For example, a $100,000 account with a 1% annual fee would result in $1,000 in fees per year, $250 per quarter.
This fee is shared between LPL Financial and our office for the services provided. Fees are assessed quarterly and deducted directly from your investment account, with full transparency reflected on your statements.
As your assets grow, fees are generally reduced as you reach specific asset thresholds. We understand the importance of minimizing costs and want to ensure that our services consistently add value.
This compensation structure aligns our interests with yours — we are focused on preserving and prudently growing your assets over time. Simply put, our compensation is directly aligned to the performance of your portfolio, and your financial success remains our highest priority.
Preserve
What Matters
Your success is our success. We are honored for the opportunity to serve you and your family, to help you pursue your financial goals - and aim to live a life that inspires you.