My Specialties

By working together, we’ll focus on your values, develop your goals and understand where you are today and where you want to be tomorrow. We have a range of services to use: :

1) Goal Development and Personal Values Assessment: Align your goals and financial tools with your core values through a comprehensive evaluation.

2) Financial Net Worth: Receive detailed print net worth statements for a comprehensive understanding of your financial standing.

3) Investment Analysis: Undergo a thorough review of your current investments, considering factors like expense management, investment return, tax efficiencies, and risks to determine optimal solutions tailored to your needs.

4) Tax Analysis and Strategic Planning: Maximize current tax efficiencies and visualize the impact of tax strategies throughout retirement.

5) Risk Management Analysis: Benefit from distinct analyses designed to ensure preparedness for the unpredictability of life.

6) Retirement Income Planning: Explore Secure Income Modeling and Total Income Modeling to identify potential shortfalls in retirement income, allowing for prompt resolution.

7) Social Security Optimization: Identify the most advantageous strategy for your Social Security plan, considering both potential returns and alignment with your overall financial strategy.

8)What-If Worksheets: Model up to five different retirement scenarios to gain insights into various potential outcomes.

We achieve these objectives and beyond by conducting a series of impactful Action Sessions; we convene for these sessions, either face-to-face or through Zoom.

Our Action Sessions are purposeful, incorporating educational elements to enhance your peace of mind and confidence as you navigate the preparations for and transition into retirement.

It all begins with a conversation

Book a meeting with Sofia Hernandez

Community Involvement

I enjoy getting involved in my community and empowering women from all walks of life!

I am honored to be the President of 4word Houston, a Christian businesswomen’s group that connects, leads, and supports Christian women in the workplace to help them achieve their God-given potential with confidence. 


I am a member of the Latin Women initiative a non-profit that making a difference in the lives of Latin women and children by providing financial and volunteer support through local non-profit organizations.


In addition, one of my biggest passions is being active. I have run seven half marathons in Houston and two full marathons. I enjoy the discipline in my training to be ready until the race day. This practice helps me to remember achieving financial fitness is like a marathon; it starts with one step at a time, and you need to keep pushing yourself to reach the finish line.

Products and services. Aligned with your priorities.

Banking. Insurance. Investments. There are many financial products and services to consider. I understand how crucial it is to choose those that best address what matters most to you. So, as I work with you, I ask about your needs. Your dreams. Your values. Then I offer solutions that will provide clarity about where you're at — and confidence about where you're headed.

What We Offer

Mutual Funds

Mutual Funds

Our fund options offer flexibility and choice to help you manage risk, build a diversified portfolio and pursue lifelong goals.

Financial Guidance

Financial Guidance

We work with you to create a personalized strategy and support you with ongoing guidance to help you reach your goals, no matter where you're starting from.

Charitable Giving Solutions

Charitable Giving Solutions

Thankful for all you've been given? We can help you give back.

Traditional and Roth IRAs

Traditional and Roth IRAs

You can use these tax-advantaged accounts to help you save for retirement — and perhaps fund other needs, such as a home purchase or a child's education.



Our options help you balance performance and purpose.

Health Insurance

Health Insurance

We can help you assess your options, including those available through your employer and government programs.