John Cervantes
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Independent Advisor · San Antonio, TX
Your finances
got complex.
20 years helping pre-retirees with serious money navigate what most planners skip. This is that conversation.
20+
Years
Merrill, private bank, independent — two decades of advisory experience across institutions.
$1.25B
Assets Managed
Peak institutional career managing complex multi-asset portfolios for high-net-worth clients.
100%
Fiduciary
Every recommendation is legally bound to serve your interest first. No commissions, ever.
(01) The problem
You'vespent30yearsbuildingsomethingreal.Thequestionsarehardernow.Whichaccountsdoyoudrawfromfirst.Whathappenstotheportfoliowhenratesmove.Yourcurrentadvisorgivesyouaplan.Youneedsomeonewhogivesyouclarityonthepartsthatactuallykeepyouupatnight.
What we focus on
01 — Investment complexity
02 — Pre-retirement income planning
03 — Tax-efficient drawdown
04 — Portfolio risk at the wrong time
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Our Services
01
Plan
A clear financial roadmap built around your actual life.
We map every account, liability, and goal into a single consolidated view. Tax projections, cash flow modeling, estate structure — everything visible in one place before a single dollar moves.
02
Design
Portfolio architecture for complexity, not simplicity.
Asset location strategy across taxable, tax-deferred, and Roth accounts. Alternative allocations where appropriate. Downside hedging built in, not bolted on. This is portfolio engineering for grown-ups.
03
Execute
Disciplined implementation with institutional precision.
Tax-loss harvesting, rebalancing triggers, and systematic withdrawal sequencing. Every trade has a reason. Every quarter has a review. No set-it-and-forget-it autopilot.
The Engagement
Strategy first.
Everything else follows.
A website that converts, built on positioning — not templates. We lock your strategy in week one, then design, build, and launch a site that actually represents who you are. Four weeks. About 2–3 hours of your time.
What you get
01 — Positioning Strategy
02 — Messaging Framework
03 — Custom Website (Framer)
04 — SEO Foundations
05 — Full Source Access
4-Week Timeline
Week 1
Positioning locked
Week 2
Messaging & site design
Week 3
Build & refine
Week 4
Site live, full ownership
Investment
Brand Sprint
Four weeks. Positioning, messaging, and a website that converts. No retainers, no lock-in. Full source access and complete ownership from day one.
$5,000
One-time, flat fee
Positioning & messaging strategy
Custom Framer website
SEO foundations
Full source access
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