Pursue what’s possible with an advisor committed to helping you build the plan that’s right for you.
For two decades, Cole Garcia has put his clients at the heart of everything we do, giving you a dedicated advisor who builds a tailored strategy, unlocks new opportunities, and keeps your goals front and center at every step.
Your Goals. Our Guidance.
We help you build a plan that supports your life, your priorities, and your long‑term vision.
Getting started
We begin by understanding your goals and gathering key information, then evaluate your situation, discuss your options, and build a plan together. From there, we implement your strategy, monitor its progress, and stay connected to review updates and make adjustments as needed.
How we communicate
We stay connected through scheduled outreach that includes regular planning reviews, check‑ins, ongoing education opportunities, and our client newsletter,
all designed to keep you informed and confident in your financial path. You’ll also have convenient online access to your accounts through your custodian and our secure client portal.
Our services
We offer a full range of planning resources and services to help you reach your goals, including comprehensive portfolio management, tailored investment strategies, income distribution planning, ongoing investment monitoring, insurance solutions, estate planning, periodic reviews, cash flow and tax planning, retirement and financial planning, wealth management, and coordination with other professionals.
Our fee structure
Our investment advisory practice is fee‑based, with annual advisory fees calculated as a simple percentage of assets under management. Additional charges may apply depending on your planning needs, so we encourage you to consult your advisor for a fee arrangement tailored to your specific circumstances.
WHO WE ARE.
We bring decades of experience, specialized expertise, and a shared dedication to putting your family's interests first.
At Atlas Financial, we are deeply rooted in our community, proudly volunteering, donating, and partnering with local organizations. As an independent firm, we combine sophisticated financial capabilities with
the dedicated, personal attention that larger, one-size-fits-all firms simply cannot match.
We live and work right alongside you, offering institutional-grade strategies backed by our genuine commitment to our community's future.
A. Cole Garcia, CFP ®
Principal, Founder & Investment
Advisor Representative
Alfredo Banuelos, Jr
Investment Advisor Representative
Willow Draper
Operations Manager
Tiki Draper
Chief 'Rollover' Officer
Maxwell Garcia
Administrative Assistant
BUILT ON TRUST. DRIVEN BY YOUR GOALS.
We are proud to be fiduciaries because it means we are legally and ethically committed to acting in our clients' best interests at all times.
As an independent Registered Investment Advisor firm, we structure
our business to minimize the conflicts of interest common in traditional, commission-based models. We focus on providing transparent, objective advice designed specifically to help you reach your goals.
Independent Advice. Tailored Options.
We aren't tied to proprietary products, limited corporate lists, or sales quotas. That freedom translates directly into more options for you. We leverage a full spectrum of world-class resources to craft a custom financial strategy designed exclusively around your life and goals.
- Comprehensive Wealth & Retirement Planning
- Tailored Investment Management
- Estate & Legacy Strategy
- Risk Management & Insurance Solutions
Safeguarded by Industry Leaders
We partner with Charles Schwab & Co., Inc. as our primary custodian to hold your assets.
Combining the independent, personal service of our local team with the institutional strength, security, and technology of a major custodian. This partnership ensures your wealth is protected by a trusted industry leader while you receive the dedicated attention and customized guidance you deserve.
Industry-Leading Custodian
We chose Schwab because they set the gold standard for independent wealth management. Trusted by more than 16,000 advisory firms, Schwab delivers powerful technology, deep market stability, and comprehensive resources that allow us to run a seamless practice.
OVER 13 Trillon in client assets
Charles Schwab manages approximately $13.04 trillion in total client assets. This immense scale demonstrates the deep trust millions of investors place in Schwab, providing you with stability, resources, and enterprise security that few firms can match.
trusted by millions
Schwab serves a massive community encompassing over 48 million client accounts. This extensive reach reflects the confidence of everyday savers, families, and long-term investors worldwide, ensuring your assets are looked after with a trusted custodian.
A Half Century of Service
For over 50 years, Schwab has championed individual investors by driving down costs, removing industry barriers, and pioneering accessible wealth management. Through this trusted relationship, our clients benefit from robust institutional technology.
Charles Schwab & Co., Inc. ("Schwab") is a registered broker-dealer and member SIPC. Schwab and Atlas Financial LLC are separate and unaffiliated entities. Schwab does not endorse, recommend, or supervise Atlas Financial LLC.
How can we help you today?
Fee-Based Financial Planning
- A relationship-based approach to working together.
- A Financial Planning team who will help you understand and organize your financial objectives.
- A detailed analysis of what it will take to reach your financial goals.
- Knowledgeable and objective recommendations related to all areas of your financial situation.
- A step by step written action plan so you can get started on the path to reaching your goals.
- On going periodic review meetings to monitor and update your progress.
- On going educational opportunities and subscription to our newsletter
Wealth Management Services
- Asset management for individual and institutional clients
- If you're seeking a customized portfolio utilizing asset allocation strategies, this may be the model for you.
- Tailored portfolio designed after a detailed analysis of investment goals and risk tolerance.
- Flexibility to use any investment company or product that fits your need-No proprietary products.
- Transparency of Fees-Annual management charge is based on the amount of assets under management
401(k) for Employers
Better for your employees. Better for you.
We help you attract and keep talent by improving your plan’s design and making certain you are meeting your fiduciary responsibility.
What is your fiduciary responsibility?
As an employer with a defined contribution plan, your fiduciary duty means you are legally responsible for providing your employees with the highest standard of plan care.
Meeting your legal fiduciary responsibility
To help meet your fiduciary responsibility, we provide:
- Customized employee policy statements
- Customized investment policy statements
- Quarterly investment reviews
- Any available fiduciary services
Improve your plan's design and function
We’ll become experts in your plan and work to improve it so that it functions better and meets the saving and investment needs of your participants. We implement or improve your:
- Safe-harbor design (matching and non-elective)
- Cross-tested profit sharing
- Auto-enrollment and escalation
- Qualified default investment alternatives (QDIA)
- Roth provision
Diversify your plan's investment menu
Our in-house investment team has constructed a highly-diverse investment menu, including:
- Passively-managed index funds
- Exchange-traded funds
- Primarily low-cost institutional funds
- Actively-managed investments
We're serious about educating your employees
We really value education. To support your company, your plan and your employees, we provide comprehensive educational materials, including:
- Webcasts
- Podcasts
- Articles
- On-site training
- Phone support
As your fiduciary advisor, we can assist your employees with their retirement accounts, help protect you legally, and make your life and your job easier.
CONTACT US TODAY
A successful retirement starts with the right partner to help you achieve your goals.