Identifying and prioritizing your goals and then arranging your financial affairs to support those goals. We build a custom model of your future spending, saving and investing to simulate and test various scenarios. This framework allows us to analyze the investment, tax strategy and insurance decisions which will maximize the likelihood of success.
Adding value through smart tax planning lowers the risk needed in your investments to achieve your goals while increasing available lifetime cash flow. Deciding how much risk to take as the starting point for determining your specific investment mix. We analyze your current investments and optimize your portfolio to be well diversified, low cost and tax efficient.
Adding value through smart tax planning lowers the risk needed in your investments to achieve your goals while increasing available lifetime cash flow. Deciding how much risk to take as the starting point for determining your specific investment mix. We analyze your current investments and optimize your portfolio to be well diversified, low cost and tax efficient.
Services
Kirk Francis is a CERTIFIED FINANCIAL PLANNER Professional, was the founder of Cross Financial Services, an independent financial planning and wealth management firm serving individuals and businesses from San Antonio, Texas. With over 39 years of experience in the financial services industry, he now serves as CEO and Chief Compliance Officer for Financial Life Advisors.
The Financial Life Advisors team prides themselves on a philosophy that is reflected in the way they make decisions and treat people. The culture is based on a book by James P. Owen called Cowboy Ethics. Following these 10 principles is critical to doing the right thing for the client, always. The tax code penalizes you for having irregular income from year to year.
Building a retirement plan without a model of your financial goals and resources is like building a house without blueprints: the ultimate result may not be what you envisioned. By modeling your financial life, we can alter key aspects of the plan to see the impact before you actually make any changes.
Meeting with your CPA in April to prepare and discuss your tax return is usually too late (and often too rushed) to do effective tax planning. By understanding your current tax situation and likely future tax situation, we can seek opportunities to save substantial taxes over time. Our complex Federal tax system can produce fundamentally unfair results for many taxpayers.
Many money managers claim to know the "right" investments to "beat" the market. With vast (and expensive) resources at their disposal for investment research, they spend their entire career studying the markets in that attempt. Yet academic study after academic study shows that very few will succeed, yet many will charge high fees trying.
