swan dfw financial solutions
Financial Advisor in Arlington, TX for Every Stage of the Plan
Fee-only fiduciary retirement planning for Arlington households, built by a two-advisor firm paid by clients rather than by product commissions, so the plan reflects your situation and not a sales target.
Your Goals, Within Reach.
Retirement Planning That Meets Arlington Where It Is
Arlington households don't share one financial profile, and that's the point of how we work rather than a gap in it.
The city's employer base runs from shift work at the GM Arlington Assembly plant to salaried roles at D.R. Horton's Fortune 500 headquarters, plus Bell Textron, a major university, a large healthcare presence, and an entertainment district that supports thousands of jobs on very different schedules. That produces households with pensions, households with equity compensation, households with variable income, and households with all three across two earners.
What those households have in common is a question rather than a product: am I actually on track. So we start by building a full written retirement plan rather than a portfolio recommendation, and the
wealth management work follows from what the plan says the money needs to do. Every cost sits on our
fees and pricing page before we begin.
What Arlington Households Get Here
A written retirement plan comes first, before any investment recommendation.
Fee-only compensation means we're paid by clients and never through product commissions.
Hector Hinojosa has held the CFP® certification since 2001 and has advised families since 1995.
We're centrally located between Dallas and Fort Worth, so meeting in person doesn't cost you a half day.
There's no asset minimum, and one of our three fee options is a one-time plan for people who manage their own investments.
Fiduciary Isn't Our Slogan. It's the Legal Standard We Work Under.
What the standard actually requires
Every advisor says they put clients first. A fiduciary is legally obligated to, which is a different category of claim. As an independent registered investment adviser we hold no proprietary products and accept no product commissions on our advisory work, so there's no recommendation that pays us more than another.
You work directly with Hector Hinojosa, CFP®, and his son Josh, an Investment Advisor Representative. Two advisors, which limits how many households we take and is exactly why you get a person rather than a queue.
We serve Arlington from our Fort Worth office and also maintain practices in our neighboring markets of
Dallas and
Fort Worth. Reach us any time through our
contact page.
Our Services Make Retirement Simple (And Maybe Even Fun)
No Two Dreams Are the Same. That's Why We Offer:
A written plan covering income, taxes, insurance, retirement, and estate needs, with an action checklist rather than a document you file and forget.
Portfolios matched to your goals and time horizon, monitored at least quarterly and rebalanced when your plan calls for it rather than on a calendar.
Modeling how claiming at different ages changes your lifetime income, including the spousal and survivor decisions most people never get shown.
Enrollment timing, plan comparison, and an annual check so a good choice this year stays a good choice next year.
What Arlington Clients Ask Before Booking
Is there a fee-only financial planner in Arlington, Texas?
We serve Arlington from our Fort Worth office, roughly twenty minutes away, and meet clients in person or by video. Fee-only means we're compensated by clients and not through product commissions, and all three of our fee options are published rather than quoted privately.
How do I know whether I'm actually on track for retirement?
By putting real numbers against the question, which most people never do. We map your expected spending against your projected income from Social Security, any pension, and your savings, then show you the gap and what closing it requires. Knowing where you stand is usually less frightening than not knowing.
How far is your office from Arlington, and do I have to drive across the Metroplex?
Our office is at 4500 Mercantile Plaza Drive in Fort Worth, which is a short drive from most of Arlington. Plenty of our Arlington clients meet by video and come in occasionally, and we're happy either way.
I have a pension and a 401(k). How do those work together?
They're taxed the same way and they behave completely differently, which is why the sequencing matters. Pension elections are usually irreversible and need to be decided against your spouse's situation and your other assets, while the 401(k) gives you flexibility on timing that a pension doesn't. We look at them as one income stream rather than two accounts.
What if I'm in my thirties and just getting started?
Then the highest-value work is habits and structure rather than investment selection, and the one-time comprehensive plan option often fits better than ongoing management. Getting the savings rate, the account types, and the debt sequence right early is worth more than any portfolio decision you'll make later.
Know Where You Stand Before You Need To
Start planning smarter in Arlington. Bring your statements and whatever question has been sitting in the back of your mind, and we'll give you a straight answer about where you actually are.
The first conversation is complimentary and carries no obligation.