Explore Our Services
Financial planning for first-generation wealth builders.
Helping Hispanic business owners organize their finances, grow their wealth, and build a legacy that lasts.
Fiduciary · Se hablo español · No commissions · Fee-only ·
Fiduciary · Se hablo español · No commissions · Fee-only ·
Planning Tiers
Choose your level of support
Ongoing financial planning, billed monthly. All tiers are fee-only — no commissions, no product sales, no conflicts of interest.
Tier 01
Foundation
Build your financial foundation
Ideal for early-career professionals, younger families, and clients needing foundational financial planning support.
- ✓Initial financial roadmap / one-page financial plan
- ✓Goal planning and prioritization
- ✓Budget and cash flow planning
- ✓Emergency fund planning
- ✓Debt repayment planning
- ✓
Retirement planning — timeline modeling, projections, income & withdrawal strategy
Does not include portfolio management.
- ✓
Insurance review and analysis (life, disability, home, auto, umbrella)
Advice only — no insurance product sales.
- ✓Major purchase planning
- ✓Up to 2 strategy meetings annually
- ✓Ongoing email/phone access for planning questions
- ✓Annual plan review and updates
Tier 02
Growth
Optimize and accelerate
Ideal for established professionals, growing families, and clients with increasing tax complexity.
- Everything in Foundation
- ✓Quarterly tax planning meetings / check-ins
- ✓Estimated tax planning and review
- ✓Roth conversion analysis
- ✓Tax bracket and opportunity analysis
- ✓
Tax-smart account type recommendations — Roth vs. pre-tax vs. taxable, contribution prioritization
Does not include portfolio management.
- ✓CPA coordination and tax return review support
- ✓Business liquidity / cash reserve planning
- ✓Owner compensation planning
- ✓
Retirement plan analysis/design (Solo 401(k), SEP IRA, SIMPLE IRA, etc.)
Planning support only — does not include portfolio management.
- ✓Additional planning meetings as needed (typically quarterly)
Tier 03
Legacy
Strategic family and business advisory
Ideal for business owners, executives, and high-complexity households.
- Everything in Foundation and Growth
- ✓Family CFO-style planning and financial oversight
- ✓Coordination with CPA, attorney, banker, and other professionals
- ✓Cash management system design
- ✓Employee benefits planning support
- ✓Exit and succession planning
- ✓
Estate planning coordination — beneficiary review, titling, trust coordination
Coordination only — no legal document drafting.
- ✓Multi-generational planning / family wealth planning
- ✓Additional meetings and proactive planning support as needed
Process
From first call to full plan.
You shouldn't have to wonder how working with a financial advisor works. Here's exactly what happens when you reach out.
01
Intro Call
30 minutes with Ismael. We learn about your situation and you ask us anything. No pressure, no sales pitch.
02
Discovery Meeting
A deep dive into your finances, goals, and priorities. This is where the real work begins.
03
We Build the Plan
10–15 hours of planning work across all areas of your financial life. You'll receive something no other advisor gave you.
04
Delivery and Implementation
We walk through every recommendation together — then help you implement and stay by your side as life changes.
Why Garcia FP
The difference is clear.
Most advisors manage investments and call it planning. We start with your plan and build your portfolio around it.
Traditional Approach
Garcia Financial Planning
Let’s Work Together!Ready to get started? Fill out a few quick details so we can understand your goals. We’ll respond within 24 hours.