AnCap Financial is an independent financial planning firm based in Texas, built around a comprehensive view of each client's finances. It serves individuals and families, with a particular focus on people who are retired or preparing to retire within the next ten years. Its core offering combines personalized financial planning with portfolio management, and tax planning is an important part of that work. Clients begin by discussing their circumstances and priorities, then provide financial records for a kickoff meeting and development of their plan. The process is designed to produce specific actions that can be carried forward into an ongoing relationship.
The firm's independence allows it to shape its service around clients rather than a large corporate office's service model. As a fee-only practice, its compensation comes from clients, without commissions on recommended products or investments. Flat fees cover planning and portfolio management without an ongoing percentage-of-assets advisory charge. Founder Zach Lopez, CFP®, established AnCap Financial in 2023 around education, integrity, and transparency. Free virtual introductory consultations help prospective clients understand the process. For ongoing clients, the firm assists with implementation and holds spring and fall reviews, providing a regular opportunity to discuss the plan and next steps.
