swan dfw financial solutions
Southlake, TX Wealth Management for Established Professionals and Business Owners
Fee-only fiduciary wealth management for Southlake households whose finances have outgrown a model portfolio, delivered by two advisors rather than by whoever is assigned to your account this year.
Your Goals, Within Reach.
Complex Finances Need a Strategy, Not a Bigger Product Shelf
By the time most Southlake households look for an advisor, the problem isn't finding investments. It's that the pieces have stopped fitting together.
Southlake's economy runs on knowledge work. Sabre Corporation's global headquarters sits inside the city, the State Highway 114 corridor holds millions of square feet of corporate office space within a few miles of most front doors, and the largest local industries by employment are professional and technical services followed by finance and insurance. That produces a recognizable set of financial situations: restricted stock and options concentrated in one employer, deferred compensation with election windows, a closely held business that hasn't been valued in a decade, and a balance sheet where the tax treatment of each piece differs.
Our
wealth management work is built for exactly that. Portfolios are constructed around your actual goals and time horizon, with dedicated attention to unwinding concentrated positions and to limiting what a poorly timed downturn can cost a plan that's nearly funded.
What a Family-Run Fiduciary Does Differently at This Level
We're an independent registered investment adviser with no proprietary products and no house recommendation.
Concentrated employer stock is diversified on a deliberate schedule with the tax cost modeled first.
Downside protection is a stated part of the process rather than something discussed after a bad quarter.
Where guaranteed income genuinely fits a plan, we evaluate annuities on the merits rather than as a default.
Tax repositioning through Power of Zero planning is often the largest single lever available at this asset level.
Southlake-Sized Attention Instead of Big-Firm Anonymity
Why two advisors is the feature
Hector Hinojosa has worked in financial services since 1995 and has held the CFP® certification since 2001. Josh Hinojosa, his son, works alongside him as an Investment Advisor Representative. That's the firm.
At a larger firm, a household with your balance sheet often gets a relationship manager and a model portfolio. Here you get the two people who built the plan, which means nobody has to be brought up to speed on your situation before a decision gets made. We cap how many households we take specifically to keep that true.
All three of our fee options are published on our
fees and pricing page, including a performance-based arrangement available to clients who meet the qualified client standard.
Our Services Make Retirement Simple (And Maybe Even Fun)
No Two Dreams Are the Same. That's Why We Offer:
A written plan that reconciles equity compensation, business interests, taxes, insurance, and estate goals into one document with a sequence attached.
Custom portfolios with active attention to risk management, tax-efficient asset location, and reducing single-company exposure without triggering an unnecessary tax bill.
Claiming strategy modeled against your other income, since the timing decision interacts with tax brackets and Medicare premiums rather than standing alone.
Enrollment and plan selection coordinated with the retirement income that sets your premiums, reviewed annually as your income picture changes.
What Southlake Clients Ask Us
Do you work with high-net-worth families in Southlake?
Yes, and the work looks different from standard retirement planning. The issues tend to be concentrated positions, tax coordination across multiple account types, business succession, and legacy planning rather than whether you've saved enough. We're a two-advisor firm, which means the depth comes from attention rather than from a large team.
Most of my net worth is in my company's stock. How do I diversify without a huge tax bill?
By spreading it across tax years and using the tools that fit your specific holding. That can mean coordinating sales with lower-income years, harvesting losses elsewhere in the portfolio to offset gains, and working around trading windows or blackout periods. The goal is a schedule you can follow, not a single transaction.
I already have an advisor. What would make it worth switching?
Often nothing, and we'll tell you that. The complimentary review looks at what you hold, what it costs you in total, and whether the plan addresses taxes and income sequencing or only investments. If your current setup is sound, keeping it is the right answer.
How do you handle protecting what I've built rather than just growing it?
Risk management is a defined part of the process, using diversification, asset allocation matched to your time horizon, and keeping near-term spending out of volatile assets. For households already close to their number, limiting downside usually does more for the plan than chasing additional return.
Can you coordinate with my CPA and estate attorney?
Yes, and on complex balance sheets it's necessary rather than optional. We don't provide tax or legal advice, so the plan works best when the three professionals are looking at the same document instead of three partial views.
Grow It. Guard It. Both Matter.
Southlake clients, it's time for planning built around your actual balance sheet rather than a template. Schedule a strategy session and we'll show you what we'd change and what we'd leave alone.
The first conversation is complimentary, and you'll see every cost in writing before anything begins.