Business Details
Your Trusted Partner for Fee-Only Financial Planning
Complete View Financial is a fee-only financial planning and investment management firm dedicated to serving pre-retirees and retirees across San Antonio, Texas, and the United States. Our approach combines decades of industry experience with a fiduciary commitment to prioritize client interests, utilizing cutting-edge technology for real-time financial access. We specialize in creating comprehensive retirement roadmaps that integrate cash flow, tax strategies, risk management, and estate planning.Our team adheres to strict ethical standards, offering transparent, commission-free pricing while delivering personalized guidance tailored to individual goals. With a focus on education and long-term partnerships, we empower clients to navigate retirement confidently, ensuring their financial legacy aligns with their values.
Services
Financial Planning
Investment Management
Retirement Planning
Tax Planning
Estate Planning
Risk Management
Social Security Optimization
Legacy Planning
Cash Flow Analysis
Portfolio Management
Highlights and features
- We are a fee-only firm with no commissions or product sales.
- Our advisors have over a decade of industry experience.
- We utilize industry-leading technology for real-time access.
- We offer independent, comprehensive financial strategies.
- We adhere to a fiduciary standard, prioritizing your financial interests.
Associations and certifications
- CFP Board
- Registered Investment Advisory (RIA)
Services
Financial Planning
Our financial planning service creates personalized retirement roadmaps by analyzing cash flow, risk tolerance, and long-term goals. We integrate tax-efficient strategies and estate considerations to ensure sustainable income throughout retirement. Clients receive ongoing guidance to adapt plans as life circumstances evolve.
Investment Management
We offer discretionary investment management focused on diversified, low-cost portfolios aligned with individual risk profiles. Using evidence-based strategies, we optimize asset allocation while minimizing emotional decision-making. Regular rebalancing ensures alignment with evolving financial objectives.
Retirement Planning
Specializing in pre-retirement and retiree needs, we develop comprehensive retirement plans using advanced software to model income scenarios. Our approach addresses withdrawal strategies, Social Security optimization, and legacy goals while stress-testing portfolios against market volatility.
Tax Planning
We implement tax-efficient strategies including Roth conversions, asset location, and charitable giving plans. Collaborating with CPAs, we minimize tax liabilities across retirement phases while maximizing after-tax income through proactive, law-compliant approaches.
Estate Planning
Our estate planning coordinates with legal professionals to establish wills, trusts, and beneficiary designations. We ensure client wishes are documented clearly, focusing on wealth transfer efficiency and charitable giving while maintaining up-to-date documentation.
People
Tess Downing
Founder & Lead Financial Advisor
MBA and CFP professional with nearly two decades of experience in fee-only financial planning. Recognized in InvestmentNews' 40 Under 40, Tess specializes in retirement transitions and legacy creation while maintaining industry leadership through conferences and media contributions.
Questions
What services do you offer for retirees?
We provide comprehensive financial planning, investment management, tax optimization, and estate planning specifically tailored to retirees and pre-retirees across the U.S.
Are you licensed to work with clients nationwide?
Yes, as a virtual fee-only advisory firm based in Texas, we serve clients throughout all 50 states using secure online platforms.
How are your fees structured?
We charge transparent, flat-fee pricing based on complexity, starting at $7,500 annually, with no commissions or product sales involved.
What credentials do your advisors hold?
Our lead advisor holds CFP certification and an MBA, meeting rigorous education, experience, and ethical standards through CFP Board.
How do you handle investment strategies?
We use evidence-based, diversified portfolio strategies focused on long-term growth while avoiding market timing and emotional decision-making.
