Financial & Retirement Planning
Whether your goals are an early retirement, building a dream home or funding a child’s education, AFFCU is here to help.
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Overview
Work With Someone You Can Trust
AFFCU has partnered with Infinex Financial Group, to bring you an experienced and trusted financial advisor that will help you plan and prepare for your future. William R. “Tres” Davis III, CFP® , AFFCU Financial Advisor, has nearly a decade of financial service experience.
Tres will help you design an investment portfolio specific to your needs. He will help you determine your short- and long-term financial goals including retirement, estate, and college planning, 401(k) rollovers, portfolio management and overall financial planning.
Check the background of this investment professional on FINRA’s BrokerCheck. FINRA. SIPC.
Services We Can Help With
Retirement Planning: Determine the best strategies for saving, before and during your retirement years.
Financial Planning: Plan for your specific financial goals and achievements in life.
Education Planning: Create a plan to save for college expenses for yourself or a loved one.
Long Term Care and Insurance Planning: Protect your health care, family or assets with insurance planning solutions.
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/ SIPC. The Investment Center is a trade name of AFFCU. Infinex and AFFCU are not affiliated. • Not a deposit • Not NCUA insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value
William R. “Tres” Davis III, CFP®
Financial Advisor
wdavis@airforcefcu.com
1560 Cable Ranch Rd., Ste 200 | San Antonio, TX 78245
Phone: 210.246.5123Schedule appointment
Tres’ Background
With nearly a decade of financial services experience, I can help my clients identify their financial objectives, work with them to formulate a strategy, and assist them as they work towards achieving their goals. Whether you’re looking for short- or long-term investments, I will help you develop and implement a strategy that suits your needs.
During my years of serving Air Force Federal Credit Union, I have excelled in meeting the core values of integrity, service and excellence. These values have aided me in guiding my many clients towards their financial and retirement dreams. The end result will be a plan designed to help you build, protect, use and transfer assets in the most advantageous way. I look forward to serving you and your family
I’ve earned my undergraduate degree from Texas Christian University. In addition to this, I’ve received my certificate in financial planning from Southern Methodist University.
Specifically, I can make sure you have solid answers to these key questions:
- Is your retirement money invested properly?
- Will you have enough income in retirement?
- What should you do with an existing retirement plan from a previous employer?
- How will you pay for a child or grandchild’s education?
- Financially, what would happen to your family if you died?
- How will you pay for long-term care?
Contact Tres Davis for a no-cost, no-obligation consultation.
Check the background of this investment professional on FINRA’s BrokerCheck.
I can help with:
- 401(k) planning
- Wealth management
- Wealth preservation
- General investment management
- Education funding
- Comprehensive financial guidance
- Retirement planning
- Retirement income planning
- Tax-advantaged investment planning
- Insurance planning
Accreditations:
- Registered Advisor of Infinex Investment Services –FINRA/SIPC
- Bachelor of Science from Texas Christian University
Get the process started with the help of our registered AFFCU Financial Advisor.
We provide financial planning services on a no-cost, no-obligation basis. Contact us today by calling 210.246.5123 or 800.227.5328.
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Contact Us
William R. “Tres” Davis III, CFP®
Financial Advisor
Linda Curtis,
Financial Services Assistant
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William R. “Tres” Davis III, CFP®
Financial Advisor
wdavis@airforcefcu.com
Office: 210.246.5123
Fax: 866.833.4140
Toll free: 800.227.5328The Investment Center available at AFFCU
1560 Cable Ranch Rd., Ste 200 | San Antonio, TX 78245Linda Curtis
Financial Services Assistant
lcurtis@airforcefcu.com
Office: 210.678.5223
Fax: 210.674.2968
Toll free: 800.227.5328The Investment Center available at AFFCU
1560 Cable Ranch Rd., Ste 200 | San Antonio, TX 78245
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/ SIPC. The Investment Center is a trade name of AFFCU. Infinex and AFFCU are not affiliated. • Not a deposit • Not NCUA insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value
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Stay Informed
Quarterly eNewsletters
The Financial Services Quarterly eNewsletter is a free personal finance newsletter that will keep you on top of current events and trends in the business world, investing and more. This eNewsletter covers financial topics such as budgeting, paying off debt, understanding tax brackets and planning for retirement.
Blog
Will you outlive your retirement income? Are your financial expectations for the coming year realistic? Our financial blog is designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.
Establishing a Budget
Do you ever wonder where your money goes each month? Does it seem like you’ve never able to get ahead? If so, you may want to establish a budget to help you keep track of how you spend your money and help you reach your financial goals.
Teaching Your Child about Money
Ask your five-year old where money comes from, and the answer you’ll probably get is “From a machine!” Children can realize at a young age that they can use it to buy the things they want.
Choosing a Credit Card
Like dandelions in a spring lawn, credit card offers pop up everywhere–stuffing your mailbox, flashing on the Internet, even falling from the magazines in your doctor’s waiting room.
How Student Loans Impact Your Credit
If you’ve finished college within the last few years, chances are you’re paying off your student loans. What happens with your student loans now that they’ve entered repayment status will have a significant impact on your credit.
Applying for a Mortgage
Since most people finance their home purchases, buying a home usually involves applying for a mortgage. Here is some basic information to help guide you through the process.
Establishing a Financial Safety Net
In times of crisis, you don’t want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you’re protected when a financial emergency arises.
Teaching Your Teen about Money
Your teen is becoming more independent, but still needs plenty of advice from you. With more money to spend and more opportunities to spend it, your teen can easily get into financial trouble.
Debt Consolidation
If you have a lot of debt, you’re not alone. Today, more and more Americans are burdened with credit card and loan payments. Debt consolidation may be the answer.
Understanding Your Credit Report
Your credit report contains information about your past and present credit transactions. So if you’re about to apply for credit, especially for something significant like a mortgage, you’ll want to get and review a copy of your credit report.
Refinancing Your Mortgage
When you refinance your mortgage, you take out a new home loan and use some or all of the proceeds to pay off the existing one. There are a variety of reasons to consider refinancing.
Frequently Asked Questions
We are here to answer any questions you may have on a variety of financial topics. If the answer you are looking for is not in our FAQ section, please contact us. Our financial services team will be happy to answer any of your questions.
Personal Finance
Cash Reserve
Budgeting
Debt Management
Credit Cards
Identity Theft and Other Consumer Protection Issues
Homeownership
Automobile Considerations
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/ SIPC. The Investment Center is a trade name of AFFCU. Infinex and AFFCU are not affiliated. • Not a deposit • Not NCUA insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value
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Financial Education
Financial Education For Everyone
Have you recently been denied credit or a loan? Have you suffered from poor credit or a lack of personal financial knowledge? AFFCU has partnered with EVERFI, an online financial education provider, who’s educational program is tailored to to help you learn best practices on managing your money and achieving financial freedom. You can take free interactive learning lessons online, covering topics including budgeting, using credit, calculating the cost of college, and paying off auto loans. Below you will find a few of the many financial lessons we have available to you. In addition to these lessons, we also offer a Money Management and K-12 Family Portal Program. Activate your potential to achieve financial well-being.
- Financial Education Center: 2-7 interactive lessons on key financial topics.
- Money Management: Learn about managing your money as a service member or a civilian.
- K-12 Family Portal: 20+ digital courses for students in grades K-12, for a limited time only. Learn about financial education, mental wellness, compassion, digital awareness and more.
FREE Interactive Lesson
FIRE Lifestyle
F.I.R.E stands for “Financial Independence, Retire Early.” The goal is to learn how to live a FIRE Lifestyle so you can achieve financial independence and plan an early retirement.
FREE Interactive Lesson
Financing Higher Education
Explore different ways to pay for higher education, loan repayment options, and related tax incentives.
FREE Interactive Lesson
Investment Options
Explore investment options and strategies to help meet your short- and long-term financial goals.
FREE Interactive Lesson
Retirement 101
Explore retirement savings plans and investment options that will help meet your post-career financial goals.
FREE Interactive Lesson
Building Emergency Savings
Explore how to develop health savings habits so you can feel more confident about your financial well-being.
FREE Interactive Lesson
Sustainable Investing
Explore how to use sustainable investing to support the causes that are important to you while building a financial portfolio.
FREE Interactive Lesson
Identity Protection
Your identity is a valuable piece of information. Explore how you can protect your identity and how to spot signs of fraud.
FREE Interactive Lesson
Taxes: The Basics
By understanding why managing your taxes are important, how to stay on top of them, and the steps for filing, you can avoid the stress of tax season.
FREE Interactive Lesson
Planning for a Financial Caregiver
Learn about the benefits of planning for financial caregiving and what you need to get started.
FREE Interactive Lesson
Wealth Transfer
Learn some of the strategies to possibly minimize fees and maximize earnings and the regulations involved in transferring wealth.
FREE Interactive Lesson
Estate Planning
Anyone who has assets, dependents, or an interest in how they are cared for when they age should consider a form of estate planning.
FREE Interactive Lesson
Mindful Living
Feeling stressed out? You’re not alone. In our daily lives, we experience many ups and downs. Don’t let stress get the best of you.
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/ SIPC. The Investment Center is a trade name of AFFCU. Infinex and AFFCU are not affiliated. • Not a deposit • Not NCUA insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value
How can we help you succeed?
- What would you like to borrow for?
- A home
- Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
- A vehicle
- Cool! Are you looking for a regular car, or something a little more adventurous?
- Something adventurous
- Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
- A regular car is fine with me
- Sounds good! We have low rates available for both new and used
Auto Loans. We can also Refinance your current loan with another institution.
- Sounds good! We have low rates available for both new and used
- Something adventurous
- Cool! Are you looking for a regular car, or something a little more adventurous?
- An education
- Right on! We have Student Loans available through our trusted partner, Sallie Mae.
- Something else
- Sounds good! Are you more interested in a lump sum or a line of credit?
- Lump sum
- Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
- Line of credit
- Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
- Lump sum
- Sounds good! Are you more interested in a lump sum or a line of credit?
- I’m mostly interested in a credit card
- Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.
- A home
- What would you like help with?
- Accessing my accounts
- Okay, how would you like to access your accounts?
- Online
- Ok! Is this is your first time using Online Banking?
- Yes
- Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
- No
- Great. To access your account, simply click “Login” in the upper right hand corner of the page.
- Yes
- Ok! Is this is your first time using Online Banking?
- On my mobile device
- Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Online
- Okay, how would you like to access your accounts?
- Opening a checking account
- Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
- Signing up for eStatements
- Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
- Running my small business
- Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
- Getting insurance
- Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.
- Accessing my accounts
- What would you like to save for?
- The holidays
- Nice! We think you’ll love our Christmas Club account.
- I’d like to open a savings account for my child
- Great idea! We have several Youth Savings accounts available, depending on your child’s age.
- Something else – and I’d like to earn a good interest rate
- Do you have some money saved up already?
- Yes, quite a bit
- Nice! Are you okay with leaving your money untouched for a while?
- Sure
- Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
- I’d prefer to make withdrawals when I need to.
- Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
- Sure
- Nice! Are you okay with leaving your money untouched for a while?
- Not much
- No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
- Yes, quite a bit
- Do you have some money saved up already?
- I’d prefer just a basic savings account
- Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
- The holidays