AnCap Financial is an independent, fee-only financial planning firm based in Texas, offering comprehensive planning and portfolio management under a flat-fee structure. It works with individuals and families who want to understand both their financial plan and the cost of professional guidance. The firm is particularly focused on clients who are already retired or within ten years of their target retirement date. Comprehensive financial planning is the core service, with tax planning and investment management considered together. The process turns a client's financial information and priorities into a personalized plan, followed by practical steps for implementation.
AnCap Financial does not charge its ongoing advisory fee as a percentage of investment assets under management. It receives compensation directly from clients and does not collect commissions, kickbacks, or third-party payments on recommended products or investments. Founded in 2023 by Zach Lopez, CFP®, the firm emphasizes education, integrity, and transparency. Prospective clients start with a free virtual introductory meeting to discuss their circumstances and learn about the relationship. Clients who proceed provide documents and take part in a kickoff meeting before receiving their plan. Ongoing service includes implementation support and spring and fall reviews, bringing the plan and portfolio together in the same engagement.