Business Details
Your Trusted Partner for Comprehensive Financial Planning
At Financial Life Advisors, we specialize in creating personalized financial plans that align with your unique life goals. Our team combines advanced technology with human expertise to deliver comprehensive wealth management solutions tailored to your specific needs. We offer a transparent fee-only model, ensuring our clients receive objective advice without conflicts of interest. Our services include investment management, retirement planning, tax strategies, and estate planning, all designed to help you achieve long-term financial security. With a fiduciary commitment to prioritize client interests, we provide ongoing support and guidance throughout every stage of your financial journey. Our newly relocated San Antonio office offers a welcoming environment for face-to-face consultations, while our digital tools enable seamless remote collaboration.We serve clients across San Antonio and surrounding areas, delivering purposeful planning solutions that adapt to evolving life circumstances. Our advisors hold prestigious certifications including CFP, CPFA, and AIF designations, reflecting our dedication to professional excellence. By offering a free Wealth & Retirement Roadmap, we empower individuals to take control of their financial future with confidence. Our proactive approach focuses on building lasting relationships through transparent communication and tailored financial strategies.
Services
Financial Planning
Wealth Management
401(k) Services
Tax Planning
Insurance Planning
Estate Planning
Charitable Planning
Retirement Planning
Investment Management
Ongoing Client Engagement
Highlights and features
- We operate under a transparent fee-only model with no commission products
- Our team includes Certified Financial Planners and specialized retirement experts
- We provide customized investment management strategies based on individual needs
- Our fiduciary commitment legally requires us to prioritize client interests
- We offer both digital tools and in-person consultations for flexible planning
Services
Financial Planning
Our financial planning service creates personalized roadmaps for your financial future using advanced technology and expert analysis. We assess your current situation, define retirement goals, and develop actionable strategies for wealth accumulation. Our certified advisors provide ongoing guidance to adapt plans as life circumstances change.
Wealth Management
Wealth management combines investment oversight with comprehensive financial planning to grow and protect your assets. Our team implements customized strategies aligned with your risk tolerance and long-term objectives. We provide regular portfolio reviews and adjust allocations to maintain alignment with your evolving financial goals.
401(k) Services
Our 401(k) services help businesses establish and maintain compliant retirement plans for employees. We handle plan administration, investment selection, and regulatory compliance while providing employee education. This service ensures business owners meet fiduciary responsibilities while offering valuable benefits to staff members.
Tax Planning
Tax planning integrates with overall financial strategies to minimize tax liabilities through legal optimization techniques. We analyze income sources, investment accounts, and retirement distributions to create tax-efficient withdrawal strategies. Our approach coordinates with your CPA to ensure comprehensive tax optimization.
Estate Planning
Estate planning ensures your assets transfer according to your wishes while minimizing tax implications. We collaborate with legal professionals to create wills, trusts, and advanced directives. Our service includes beneficiary designation reviews and strategies for intergenerational wealth transfer.
People
Kirk W. Francis
Partner, CEO, 401(k) Planning
Certified Financial Planner with expertise in corporate retirement plan administration. Focuses on helping business owners establish compliant 401(k) solutions while maintaining fiduciary responsibility. Brings over 15 years of experience in employee benefit programs.
Ben Gurwitz
Partner, Personal Financial Planning
CFP professional specializing in comprehensive financial planning for individuals. Expertise in retirement income strategies and investment management. Holds Series 65 securities license and has been featured in financial planning publications.
Kim Nourie
Personal Financial Planning
Dual-qualified CFP and CPA professional offering integrated financial and tax planning solutions. Specializes in complex financial situations requiring coordinated wealth management strategies. Provides clear explanations of technical financial concepts for client understanding.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning including retirement strategies, investment management, tax optimization, estate planning, and 401(k) solutions for both individuals and businesses.
Are you legally required to act in my best interest?
Yes, as a fiduciary firm, we have a legal obligation to prioritize client interests above our own in all financial recommendations and investment decisions.
How are your advisory fees structured?
We use a transparent fee-only model based on assets under management, with additional hourly rates for specific planning services. We receive no commissions or third-party compensation.
Do you work with remote clients?
Yes, while we have a physical office in San Antonio, we serve clients nationwide through secure digital platforms and virtual consultation tools.
What certifications do your advisors hold?
Our team includes Certified Financial Planners (CFP), Chartered Financial Analysts (CFA), and specialists with CPFA and AIF designations, ensuring professional expertise across financial disciplines.
