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, 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.
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.
William R. “Tres” Davis, III
Financial Advisor
wdavis@airforcefcu.com
1560 Cable Ranch Rd., Ste 200 | San Antonio, TX 78245
Phone: 210.246.5123Schedule appointment
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 FDIC insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value
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 210.246.5213 or 800.227.5328.
Retirement Planning Interactive Lessons
Explore important financial planning topics through the AFFCU Financial Education Center. Learn about investment strategies, estate planning and more.
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Contact Us
William R. “Tres” Davis, III Financial Advisor
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William R. “Tres” Davis, III
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 78245Tres’ 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
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 FDIC insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value
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Blog
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.
Getting Started: 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.
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 FDIC insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value
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Consumer FAQs
Personal Finance
Cash Reserve
Budgeting
Debt Management
Credit Cards
Identity Theft and Other Consumer Protection Issues
Homeownership
Automobile ConsiderationsEducation Planning
Education Planning
Estimating College Costs
College Saving Options
Saving for College and Retirement
Selecting and Applying to College
Financial Aid
Managing Expenses During the College Years
Education Tax Credits and Deductions
Repaying Student LoansGovernment Benefits
Social Security
Medicare
Medicaid
Government-Sponsored Disability Insurance Programs
Federal and State Employee Retirement Programs
Railroad Retirement System
Unemployment Compensation
Military BenefitsTax Planning
Tax Planning for Income
Tax Planning for Form 1040
Projecting Federal Income Tax, Making Estimated Payments, Choosing Correct Withholding Amount
Investment Tax Planning
Tax Planning for Marriage and Divorce
Tax Considerations: Terminal Illness and Death
Personal Residence and Vacation Home Tax Planning
Tax Planning for the Self-Employed
Tax Planning for Business Owners
Taxation of Trusts and Estates
Tax Planning with Life Insurance
Tax Rules Applying to Insurance
Federal Gift and Estate Taxes (the Unified Transfer Tax System)Protection Planning
Risk Management
Fundamental Needs for Life Insurance
Life Insurance Contractual Obligations
Life Insurance
Special Planning Strategies and Considerations
Annuities
Health Insurance
Health Care in Retirement
Health-Care Reform
Long-Term Care Insurance
Disability Income Insurance
Property and Casualty and Liability Insurance
Business InsuranceRetirement Planning
Introduction to Retirement Planning
Determining Your Retirement Income Needs
Saving for Your Retirement
IRAs
IRA Rollovers and Conversions
Employer Retirement Plans (Business Perspective)
Nonqualified Deferred Compensation Plans
Special Planning Options for Executives
Business Succession Planning
Federal and State Employee Retirement Programs
Military Benefits
Reaching the Retirement Zone: Decision Making at Retirement
Transitioning into Retirement: Considerations
Retirement Income Basics
Social Security
Annuities
Taking Distributions from IRAs and Employer Retirement Plans
Living in Retirement
Residence Issues in RetirementEstate Planning
Introduction to Estate Planning
Estate Taxes
Asset Protection
Assuring the Smooth Distribution of Your Estate
Forms of Property Ownership and Will Substitutes
Life Insurance: Estate Planning
Lifetime (Noncharitable) Gifting
Charitable Gifting
Trusts
Probate
Liquidity
Planning for Incapacity
Estate Planning Issues for the Terminally Ill
Minimizing Estate Shrinkage
Providing for Children of a Previous Marriage
Conducting a Periodic Review of Your Estate Plan
Settling an Estate
Business Succession PlanningInvestment Planning
Introduction to Investment Planning
Setting Investment Goals
Understanding Risk
Designing and Managing an Investment Portfolio
Market and Investment Evaluation Methods
Cash
Bonds
Stocks
Real Estate
Alternative Asset Classes
Mutual Funds
Insurance-Based Investments
Investment Tax Planning
Investment Planning throughout Retirement
Market VolatilitySpecial Situations
Issues Unique to Older Individuals
Family and Life Situations
Dealing with Periods of Crisis
Wealth Due to Inheritance
Congratulations: You’ve Won the Lottery, and You’re Suddenly Wealthy!
Dealing with Consumer Issues
Organizing Important Records and Documents
Starting a New Career
Considering a New Employment Opportunity
Considering an Early Retirement Offer
Planning for TravelInvestment 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 FDIC insured • Not financial institution guaranteed • Not insured by any federal government agency • May go down in value