Broker Check

9311 San Pedro Avenue, Suite 750, San Antonio, TX 78216

210-268-1500
info@aspectwealth.com
Client Login

Our Services
Strategic Solutions for a Complex Financial World

How We HelpPrecision Where It Counts

How We Help
Precision Where It Counts

Financial planning isn't one decision — it's hundreds of them, made over time, in the right order, and with the right information. That's where our team comes in. We bring a structured, analytical approach to every aspect of your financial life, connecting each piece so nothing is left to chance. Whether you're building wealth, preparing for retirement, or navigating a major transition, our goal is to bring clarity and discipline to every move you make.

Our Services
Comprehensive Strategies, Individually Designed

With thousands of financial tools available, and just as many opinions, how do you find the solutions that work together to meet your goals? Fortunately, that’s our job.


Investment Management

Some clients prefer to build wealth over time, investing conservatively and protecting their gains as they grow. Others are comfortable with bold moves in the market, taking on higher risk and proportionately higher rewards. Regardless of their risk tolerance, our clients look to us to help them build and retain the wealth they've accumulated.

Advance and Protect

Advance and Protect is the philosophy that drives our day-to-day investment decisions. We use customized strategies that seek to Advance clients’ portfolios in bull markets and Protect them in bear markets. When this philosophy is implemented, the results can be quite gratifying.

The Basics of Fact-based Investing

Fact-based investing is the approach we use to make specific investment selections. People don’t always act rationally and markets don’t always behave logically—which makes accurate predictions impossible. Fact-based investing “pre-decides” the action that will be taken in the future based on prevailing market conditions. This disciplined, rules-based decision-making process removes the negative impacts of emotion and prediction on long-term investment performance.

Market trends are created by the changing relationship between supply of, and the demand for, stocks and bonds in global financial markets. Performance—up or down—is more likely to continue than to reverse at any given point. We collect large amounts of supply-and-demand data daily and analyze it to identify short, intermediate, and long-term trends. This enables us to identify specific thresholds that signal the potential start of bull or bear markets.

Isn’t that market timing? We believe that nobody can accurately identify the top or the bottom of a given market cycle. However, trend data are combined with many other factors to create our disciplined, robust investment process that has rewarded our clients well. We can share many more details—and we love sharing. Meet with us and let us show you why our clients have confidence in our process.

Aspect Investment Management

  • Asset allocation
  • Manager Research
  • Performance Analysis
  • Education Funding
  • Trust Management

Interested in more?


Retirement Planning

Retirement can be the best years of your life, especially if you have planned well. People tend to live longer today than the retirees of 30 years ago. That fact alone creates a number of considerations when building a retirement plan.

Lifetime Income

You will probably want to maintain your current standard of living during retirement. If you live longer, you need to be sure that your income stream will also keep pace. Income will likely come from a combination of savings, investments, qualified retirement plans, guaranteed income streams, and Social Security. The goal is to optimize each income source.

Health Care

Age-related health issues can quickly consume savings. Even though Medicare is available to retirees, it might not provide the level of coverage you need. Planning for health benefits or long-term care is an important part of your retirement strategy. We can walk with you through the complexities surrounding financial healthcare planning to provide better clarity and confidence.

Taxes

Unfortunately, we can’t retire from taxes. If you decide to work part-time, generate income from other investments, or have a sizeable estate that will trigger a large death tax for your heirs, we can analyze your options and will work with your tax professional to help you minimize tax consequences—not to mention reduce the associated stress and your blood pressure.

Aspect Retirement Planning

  • Income Distribution
  • Scenario Analysis
  • Benefit Planning
  • Social Security Optimization
  • Tax Efficiency

Do you have a plan?


Risk Management

Protecting your assets is as important as earning and managing them. Planning for the unplanned events in life gives you more options if they occur. Some clients, such as physicians, have additional risks associated with their professions that should be incorporated into the planning process.

As independent insurance advisors, our team members work with you to assess risk, tailor a strategy, and choose the most appropriate risk mitigation vehicles. We will help you optimize your protection without paying too much.

Aspect Risk Management

  • Asset Protection
  • Liability Insurance
  • Long-term Care Insurance
  • Life/Disability Insurance
  • Property/Casualty Insurance

Are you properly covered?


Estate Planning

Successful estate planning considers the financial—as well as legal—consequences of many decisions. With a solid estate plan, your wishes can be executed while minimizing taxes to heirs, benefiting charitable organizations, and reducing the burden on a surviving spouse. As wealth advisors, we can work with your legal team and other professionals to help ensure that the financial aspects of your estate plan will operate as you envision. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services, LLC nor any of its representatives may give legal or tax advice.

Aspect Estate Planning

  • Document Review
  • Estate Tax Mitigation
  • Beneficiary Review
  • Charitable Planning
  • Proper Use of Trusts

We can facilitate a thorough review of your estate plan from a financial and legal perspective.


Tax Planning

Should I harvest any losses? Am I using the most tax-efficient strategies based on my plan? These are just a couple of the questions that arise as clients invest, are promoted, change employers, or strike out on their own business ventures. These are important questions, because as we seek to advance and protect your assets, we want to maximize every opportunity possible. We aren’t CPAs or licensed tax advisors, but we believe in building a solid team and working closely with them to accomplish your goals. You aren’t alone.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services, LLC nor any of its representatives may give legal or tax advice.

Aspect Tax Planning

  • Corporate Benefits
  • Deferral Techniques
  • Loss Harvesting
  • Dividend Strategies
  • Stretch Planning

Reduce the burden


Business Planning

From developing strategy to achieving revenue and operational targets, business owners are the key to their organization’s success. Aspect’s wealth management perspective gives our clients a strategic edge in addressing employee benefits, executive compensation, risk management, and exit strategies. Every business is different, and we’re here to help you maximize the value of what you’ve worked so hard to create.

Aspect Business Planning

  • Succession Planning
  • Buy/Sell Agreements
  • 401(k) Plan Design
  • Deferred Compensation
  • Key Man Insurance

Get an edge

Get Started
Ready to Take the Next Step?

If you're looking for a team with a structured, research-driven approach to your financial life, we'd welcome the opportunity to talk. Let's start with a conversation about your goals.

Let's Build Your Plan