swan dfw financial solutions
Financial Advisors in Plano, TX for Growing Families and Professionals
Fee-only fiduciary planning for Plano households juggling a corporate career, kids at home, and a retirement date nobody has actually done the math on, delivered by two advisors paid by clients rather than by commissions.
Your Goals, Within Reach.
One Plan Instead of Six Half-Finished Ones
The Plano version of this problem is rarely a lack of money. It's a lack of time and a pile of unconnected decisions.
Plano is one of the most corporate-dense cities in the country. Toyota North America, Liberty Mutual, and Frito-Lay all headquarter in the city, and that concentration produces a specific household: two strong incomes, restricted stock vesting on a schedule nobody has modeled, a 401(k) with an allocation set once in 2016, an HSA nobody's optimizing, a 529 that may or may not be on pace, and an estimated retirement date based on a feeling.
Each of those is a reasonable decision made in isolation. Together they aren't a plan. We build the single document that connects them, in the right order, and the
wealth management work follows from what that document says the money is for. When the retirement date gets close enough to be real,
Social Security planning becomes the highest-leverage decision left.
What Plano Professionals Get From This Approach
Everything lands in one plan with a sequence, so you know which decision comes first.
Equity compensation, deferred comp, and employer benefits get modeled rather than mentioned.
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.
Competing goals like college and retirement get weighed against each other honestly instead of both being called a priority.
Two Advisors, Which Is Why You Never Re-Explain Your Situation
Who does the work
Hector Hinojosa, CFP®, founded the practice and has worked in financial services since 1995. His son Josh Hinojosa, an Investment Advisor Representative, works alongside him. There is no call center behind us, because there is no behind us.
For a household in its peak earning years, that structure matters more than it sounds. Your situation changes often, sometimes twice a year, and the value of an advisor at this stage depends heavily on whether they already know the context when you call. Two people can hold that. A rotating service team can't.
We work with Plano clients in person and by video from our Fort Worth office, and also serve the nearby
Dallas market. All three fee options are published on our
fees and pricing page.
Our Services Make Retirement Simple (And Maybe Even Fun)
No Two Dreams Are the Same. That's Why We Offer:
One written plan covering cash flow, equity compensation, college funding, taxes, insurance, and retirement, ordered so you know what to do first.
Portfolios built around your timeline and reviewed at least quarterly, with attention to how much of your net worth sits in a single employer's stock.
Modeling what claiming at 62, at full retirement age, or at 70 does to lifetime household income, including the spousal and survivor decisions.
Enrollment timing and plan selection handled step by step, coordinated with the retirement income that determines what you'll pay in premiums.
What Plano Families Ask Us
Is there a fee-only fiduciary financial advisor in Plano, Texas?
We serve Plano clients from our Fort Worth office, in person or by video depending on what works for your schedule. Fee-only means we're compensated by clients and not through product commissions, and we publish all three fee options rather than discussing them privately.
I'm a Plano professional with restricted stock and a 401(k) I've never touched. Where do I start?
With the vesting schedule and the tax consequences, because those have deadlines and the 401(k) allocation doesn't. We map when shares vest, what percentage of your net worth ends up in one company, and what selling costs you, then set the 401(k) allocation to complement rather than duplicate that exposure.
Should I fund my kids' college or my retirement first?
Retirement, in most cases, though the honest answer is that it depends on the numbers rather than on a rule. There are loans, scholarships, and in-state options for college and none of those exist for retirement. What we do is show you what each choice actually costs the other so you're deciding rather than guessing.
Do you work with younger professionals, or only people near retirement?
Both. For clients earlier in their careers the highest-value work is structure and savings rate rather than investment selection, and our one-time comprehensive plan option often fits better than ongoing management. There's no asset minimum.
I have a financial planner for growing families through my employer's benefit. Is that enough?
Sometimes, and it's worth using if it's there. Where those programs tend to stop short is on anything specific to your situation, like equity compensation timing, a spouse's separate retirement plan, or coordinating tax decisions across both incomes. The complimentary review will tell you which gaps you actually have.
One Plan. Less Juggling.
Plano residents, get the financial clarity you deserve. Bring us the accounts, the vesting schedule, and the question you keep meaning to look into, and we'll turn it into one plan with an order of operations.
The first conversation is complimentary and carries no obligation.