We’ve been working with Zach for about two years and the experience has been outstanding. He helped us get organized financially and insured we were investing correctly within our 401(k)’s. I also really appreciate that he works on a fee only basis – something that was very important to us when choosing an advisor. We feel confident knowing our interest always come first.
Financial Planner in Texas
Plan A Retirement You Believe In Without The Fear of Running Out of Money
Wondering if you can afford to stop working, or who you can trust with your money? From our home base in Texas, we help clients across the U.S. get the clarity they need to make one of life’s biggest decisions.
Start My Financial Plan
Our average retirement planning client looks like this
$2.5Min investments
55years old
Texasis home
Certified Financial Planner
XY Planning Network
NAPFA Member
Fee Only Network
Join dozens of families who have gained clarity and peace of mind through working with us
Let's build your plan.
Get clear answers on retirement, taxes, investments and estate planning from a fee-only fiduciary.
Why work with AnCap Financial in Texas?
All across this industry, clients are being sold products they don’t need, being charged fees that aren’t adequately disclosed, and are being chronically underserved in the area that matters most – comprehensive financial planning.
AnCap aims to solve these problems through a model of transparency, incentive alignment, and a client service model that is unlike anything else clients will find in the financial services industry.
We are comprehensive financial planners which means that we look at your entire financial picture – investments, taxes, estate, insurance, employer benefits, retirement income, all of it – and bring everything together into a single plan.
We are fee-only advisors, which means the only compensation we receive comes directly from our clients.
Finally, unlike most financial advisors, we charge flat fees that are not tied to the amount of assets that we manage.
We can’t wait to meet you and start planning together!
Our promise to you – get a plan that you are happy with or get your money back!
Once you pay your onboarding fee, we have 30 days to deliver a comprehensive financial plan that completely blows you away and earns your trust. If we fall short of the mark, your onboarding fee is completely refunded with no questions asked.
We won’t ask you to transfer any accounts until you’ve seen your financial plan and are satisfied with it. At that time, we plan on being your trusted partners for life in exchange for a single, transparent, flat-fee. Our relationship involves no long-term commitments and can be cancelled at any time if you stop receiving value from it.
No commissions, no kickbacks, no referral fees, no revenue sharing arrangements with custodians or fund managers – no shenanigans, only advice you can trust!
You want to retire but aren't sure who you can trust.
Fee-only. No commissions.
We do not receive any form of commissions, no referral kickbacks, no revenue sharing with custodians or insurance carriers — no shenanigans!
We believe these forms of compensation grossly misalign advisor incentives with client interests and have no place in a relationship based in mutual trust.
Flat fee. No AUM.
We charge a flat fee for our comprehensive planning and wealth management services regardless of your portfolio size.
We believe this compensation model best aligns our incentives with your own.
Our minimum flat fee at this time is $15,000/yr and a one-time upfront $10,000 onboarding fee.
Comprehensive Financial Planning Services for Texas Families
Your financial plan is comprehensive. That means we look at every part of your financial life together, so each decision supports the others. Here’s what’s included:
Retirement Planning
Tax-aware income strategies that show where every dollar will come from once you stop working.
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Investment Planning
A portfolio built around your goals, designed to reduce sequence of returns risk and managed for life.
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Tax Planning
Proactive strategies like Roth conversions and smart withdrawal planning to keep more of your wealth.
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Estate Planning
Trusts, beneficiaries and legacy goals coordinated so your accounts line up with your wishes.
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Risk Management
An insurance gap analysis that protects your plan and your family from the unexpected.
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Employer Benefits Planning
Clear guidance on your 401(k), equity compensation and benefits, tied into your full retirement plan.
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Let's build your plan.
Get clear answers on retirement, taxes, investments and estate planning from a fee-only fiduciary.
Get To Know Our Founder
Founder & CEO, CFP®
Zach Lopez is a proud graduate of Texas A&M University and holds the distinction of being a CERTIFIED FINANCIAL PLANNER™. After spending time as a lead advisor at a large broker dealer, he felt a strong calling to do things differently, leading to the founding of AnCap Financial.
Driven by tremendous passion for his craft, Zach is committed to ensuring that financial services consumers are not just clients, but informed participants. At AnCap, he prioritizes imparting education and transparency at every opportunity.
Zach is a devout Catholic, an obsessive reader, a proud husband, and father of three children.
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Frequently Asked Questions About Financial Planning
Do I have enough money to be a client?
Do I have enough money to be a client?
Currently, we are accepting clients who have $2M in investable assets excluding real estate. We hope to lower this minimum considerably in the future, but for the time being this isn’t feasible.
While anyone who meets our minimums will be well served regardless of what walk of life they’re in, individuals and families who are currently retired or are within 10 years of their target retirement age tend to be the best fit for us.
What are your fees and how are you compensated?
What are your fees and how are you compensated?
We charge a minimum flat fee of $15,000/yr and a one-time upfront onboarding fee of $10,000. Clients should expect this fee to be adjusted for inflation periodically.
If your situation involves more complexity, such as business ownership or advanced planning needs, additional fees may apply. The entirety of our comprehensive financial planning and portfolio management services are included in our flat fees. We do not charge assets under management (AUM) fees.
As fee-only advisors, we do not receive commissions, kick-backs, or third-party payouts on any products or investments that we recommend to our clients.
How often will we meet?
How often will we meet?
We will meet on multiple occasions during the onboarding process while your comprehensive financial plan is completed and delivered.
After this, all of our clients meet with us at least semi-annually – once in the Spring, and once in the Fall. We also have multiple touch points scheduled internally throughout the year to be sure that our clients are receiving personalized updates on their financial plan outside of our meetings.
Clients may also schedule calls or meetings outside of their semi-annual Spring and Fall meetings whenever they would like.
Are you a fiduciary?
Are you a fiduciary?
Yes! Zach Lopez is a CERTIFIED FINANCIAL PLANNER™ and is held to the following Code of Ethics by the CFP Board:
- Act with honesty, integrity, competence, and diligence.
- Act in the client’s best interests.
- Exercise due care.
- Avoid or disclose and manage conflicts of interest.
- Maintain the confidentiality and protect the privacy of client information.
- Act in a manner that reflects positively on the financial planning profession and CFP® certification.
Where will my accounts be held?
Where will my accounts be held?
Client accounts are primarily custodied at Charles Schwab. Outside of being our preferred custodian, we have no affiliation with Charles Schwab.
Will I have access to my funds? How can I get money out?
Will I have access to my funds? How can I get money out?
Yes – all clients have full access to any assets under our management and funds are typically available within 2 business days of request.
You are also able to initiate trades, contributions, distributions, and internal transfers through your Charles Schwab online or mobile portal at your own discretion, although most of our clients prefer to have us handle those things.
Will my investment options be limited with you?
Will my investment options be limited with you?
For the most part, no.
There are some funds that are exclusive to certain custodians, but we wouldn’t recommend our clients invest in these anyway because of our investment philosophy. Even in these cases, Charles Schwab typically has their version of these funds that are exclusive to them.
What is the account transfer process like?
What is the account transfer process like?
It can depend on what kind of account is being transferred, but we handle as much as we possibly can for you to make the process as simple as possible. When they begin to work with us, almost every client comments on how easy and fast it proved to be to transfer their accounts.
All paperwork is prefiled by our team, so all you have to do is review and e-sign the account applications and transfer paperwork. This usually takes about 5 minutes. All forms are immediately sent to Charles Schwab for processing and assets usually arrive in your new accounts within 5-10 business days.
All assets are transferred in-kind, meaning no securities are sold during the transfer process. For a few weeks, transfer lines are kept open between Schwab and the delivering firm that will automatically sweep any residual assets left in your account, typically from dividends and interest that are paid out during this period.
On rare occasions, there might be some positions in your old account that can’t be custodied at Charles Schwab. In these cases, the assets must be sold and the cash will automatically sweep to Charles Schwab in the same process described above.
What payment methods are available to pay your fee?
What payment methods are available to pay your fee?
Most clients select to have their fees directly debited from the accounts under our management. The IRS does NOT consider investment advisory fees deducted from retirement accounts to be taxable withdrawals, so there are no negative tax implications to this option.
We also have options for clients to pay their fees on a credit card or out of a bank account.
Do I have to move everything to you?
Do I have to move everything to you?
Typically, yes. We prefer to manage all accounts that are available for management so we can see your entire picture, ensure that our recommendations for your portfolio management are promptly acted upon (by us, of course), and retain our ability to accurately report performance of your investments and project your taxes.
This doesn’t mean that you can’t have a “fun money” account outside of our management or place some of your own trades in your accounts. But it is important to us that we’re transparent about who we are the best fit for, and that is for families who are ready to delegate their financial planning and portfolio management decisions to a professional.
Do you offer tax planning services?
Do you offer tax planning services?
Absolutely – in fact, this is one of our biggest differentiators when compared to our competitors.
Tax planning and optimization is the fifth step in our comprehensive financial planning process and we leave no stone unturned. Our goal is to utilize multiple advanced strategies that, when coordinated together, will minimize your lifetime tax bill and maximize your legacy. Many of our clients can expect to realize six-to-seven figure tax savings as a result of our planning.
Every year, the tax strategies we’ve agreed to execute on are re-evaluated with precision and communicated to you and your CPA for a smooth filing season.