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Financial Planning, Reimagined

Discover a financial planning experience designed for you, not us

how much do you need to retire?

Download the FREE Retirement Savings Calculator now!

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what makes us different

Simple, Transparent, Flat Fees

No Portfolio Management Fees

Niche Clientele

A Comprehensive Approach

Fee-Only Model

No Hidden Investment Fees

who we serve

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Current & Aspiring Retirees

Secure your exit strategy!

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business owners

Outsource your headaches!

pricing

Unlike many advisors, my fees are not determined by the amount of your investable assets, I believe this fee structure, commonly between 0.8% to 1.50% of assets under management, suffers from a few serious shortcomings:

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  • It is a conflict of interest. The advisor is incentivized to get as much of your portfolio under their management as possible, even if it would better invested elsewhere.

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  • It can lead to suprisingly high fees for clients with multiple millions in investible assets. For example, a seemily innocent fee of 1.00% on a $3,000,000 portfolio is $30,000 per year!

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For these and other reasons, I charge flat fees.​

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Most new clients will have an annual fee ranging from $10,000-15,000. Clients with more "complex" circumstances might be quoted higher fees.

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fee-only advice

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zach lopez, CFP

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founder & CEO

Zach Lopez is a proud graduate of Texas A&M University and holds the distinction of being a CERTIFIED FINANCIAL PLANNER™. After nearly three years of experience in financial services, he felt a strong calling to do things differently, leading to the founding of AnCap Financial.

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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.

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Outside of work, Zach is an avid reader, exerciser, and proud husband, father, and friend.

about me

how much do you need to retire?

Download the FREE Retirement Savings Calculator now!

Click to download the calculator

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