Cross Financial Service

At Financial Life Advisors, we are committed to providing comprehensive fee-only financial planning to individuals and businesses in San Antonio, Texas. Our team, led by Kirk W. Francis, CFP, CEO, CCO & Partner, and Ben Gurwitz, CFP, Senior Wealth Manager, COO & Partner, have over 54 years of combined experience in the financial services industry. We are dedicated to helping our clients achieve their financial goals through our unique process of retirement planning, tax strategies, investment analysis, estate planning, insurance consulting, 401(k) fiduciary consulting, and business and exit planning.

Our Services

Our services are designed to address the specific needs of our clients. We offer a range of services that cater to different aspects of financial planning, ensuring that our clients receive a comprehensive and personalized approach to their financial future.

• Retirement Planning: We help our clients identify and prioritize their retirement goals and then arrange their financial affairs to support those goals. By building a custom model of future spending, saving, and investing, we simulate and test various scenarios to maximize the likelihood of success.

• Tax Strategies: We use the rules of our complex income tax system to minimize our clients' tax burden. By adding value through smart tax planning, we lower the risk needed in their investments to achieve their goals while increasing available lifetime cash flow.

• Investment Analysis: We decide how much risk our clients should take as the starting point for determining their specific investment mix. We analyze their current investments and optimize their portfolio to be well diversified, low cost, and tax efficient.

• Estate & Gift Planning: We help our clients plan their estate to achieve their legacy with ease of management and transfer while minimizing the tax impact. After outlining their intentions, we help align their will, trusts, titling, and beneficiary designations to support their plan.

• Insurance Consulting: We protect our clients against catastrophic financial loss with the right type and amount of insurance. We review their current coverage and look for gaps and over-insurance. If they need additional coverage, we work with their agent or help them find one to protect them and their family.

• 401(k) Fiduciary Consulting: We help our clients manage their 401(k) plans to ensure they are aligned with their retirement goals and are being managed in their best interest.

• Business and Exit Planning: We help business owners plan for the future of their business, including succession planning, exit strategies, and ensuring the financial well-being of their family.

Our Team

Our team is comprised of experienced professionals who are dedicated to helping our clients achieve their financial goals. We believe in building long-term relationships with our clients and providing them with personalized service and expert advice.

• Kirk W. Francis, CFP: CEO, CCO & Partner

Kirk Francis is a CERTIFIED FINANCIAL PLANNER Professional with over 39 years of experience in the financial services industry. He founded Cross Financial Services, an independent financial planning and wealth management firm serving individuals and businesses from San Antonio, Texas. Kirk now serves as CEO and Chief Compliance Officer for Financial Life Advisors.

• Ben Gurwitz, CFP: Senior Wealth Manager, COO & Partner

Ben joined Financial Life Advisors in 2008 and oversees the wealth management and financial planning for the whole firm. Ben is a CERTIFIED FINANCIAL PLANNER practitioner, Texas Life and Health Insurance Counselor, and Risk Manager with 15 years of experience in the financial services industry. Ben's passion is to "Help families coordinate and maximize their financial resources to achieve their goals."

Our Unique Process

At Financial Life Advisors, we believe in a comprehensive and personalized approach to financial planning. Our unique process involves identifying and prioritizing our clients' goals and then arranging their financial affairs to support those goals. By analyzing their current financial situation and future aspirations, we develop a customized plan that addresses all aspects of their financial life.

We understand that every client is unique and has different needs and goals. Therefore, we tailor our services to meet the specific requirements of each client. Our team of experienced professionals works closely with our clients to understand their financial objectives and develop a plan that helps them achieve those goals.

Our Commitment

At Financial Life Advisors, we are committed to providing our clients with expert advice and personalized service. We believe in building long-term relationships with our clients and helping them navigate their financial journey. Our goal is to help our clients achieve financial freedom and security, and we are dedicated to making that a reality.