WHO WE ARE
KIRK W. FRANCIS, CFP®, AIF®
CEO, CCO & PARTNER
Kirk Francis is a CERTIFIED FINANCIAL PLANNER™ Professional, an Accredited Investment Fiduciary™, was the founder of Cross Financial Services, an independent financial planning and wealth management firm serving individuals and businesses from San Antonio, Texas. With over 39 years of experience in the financial services industry, he now serves as CEO and Chief Compliance Officer for Financial Life Advisors.
Ben Gurwitz, CFP®
SENIOR WEALTH MANAGER, COO & PARTNER
Ben joined Financial Life Advisors in 2008 and oversees the wealth management and financial planning for the whole firm. Ben is a CERTIFIED FINANCIAL PLANNER™ practitioner, Texas Life and Health Insurance Counselor and Risk Manager with 15 years of experience in the financial services industry. Ben’s passion is to “Help families coordinate and maximize their financial resources to achieve their goals.”
DAN CLARK, AIF, QPFC
DIRECTOR – RETIREMENT PLANS
Dan Clark is a consultant specializing in corporate retirement and cash balance pension plans. As an Accredited Investment Fiduciary (AIF®), he provides expert guidance to business owners, allowing them to focus on what they do best. Since Financial Life Advisors is a fee-only firm, he can provide fiduciary services and guide employers through a proven fiduciary process to create a retirement plan that meets the needs of the business owner and their employees while also fully complying with ERISA rules enforced by the Department of Labor.
LUCI HARTY, CFP®, CAP®
RETIREMENT PLAN DEVELOPMENT OFFICER
Luci Franckowiak Harty is a CERTIFIED FINANCIAL PLANNER™ Professional (CFP®) and a Chartered Advisor in Philanthropy® (CAP®). Luci has an extensive background in group retirement plans to include 401(k), 403(b) and 457 Plans and uses this knowledge to tailor a plan to specific goals. A company may also have a need to develop a plan to satisfy their mission and desire to “give back” and help others in the community.
KIM NOURIE, CFP®, CPA, RICP®
PERSONAL FINANCIAL PLANNING & WEALTH MANAGEMENT
Kim Nourie has over 18 years of experience in the financial services industry along with a breadth of experience in corporate America including Arthur Andersen, American Airlines, and CBRE. Kim is passionate about helping individuals and families make thoughtful decisions to achieve their financial goals.
BRUCE MURCHISON, MBA
BUSINESS VALUE ADVISOR
Bruce Murchison, MBA has an extensive background in Business Planning, Process Improvement, Executive Coaching, Technology, and Sales with over forty years as a consultant, professional firm COO, and technology company owner/principal. Bruce associated with Financial Life Advisors in 2017 to coach our business owner clients to solve growth and profitability challenges and build company value, especially those preparing for exit or succession events.
MIKE MCINTOSH, CFA, CAIA
DIRECTOR OF PORTFOLIO MANAGEMENT
Mike is responsible for analyzing, evaluating, and monitoring all investments for the firm. He also serves as the chairman of the investment committee that designs, constructs, and oversees all client portfolios. Mike’s specialized skills and focused training make him uniquely qualified to craft portfolios in today’s challenging markets.
EZEQUIEL “ZEKE” AVILES, CFP®
Zeke joined Financial Life Advisors in 2016 as a member of the financial planning team. Zeke graduated from the University of Texas Pan-American with a Bachelors of Business Administration in Economics. He earned a Master of Science degree in Personal Financial Planning from Texas Tech University. He currently serves as the firm’s most junior advisor. Zeke has officially satisfied all the requirements set by Certified Financial Planner, CFP ® board and is now the newest CFP® member on our team.
Rosa Ybarra is the office manager with Cross Financial Services, an independent financial planning and wealth management firm serving individuals and businesses in San Antonio, Texas. Rosa acts as the air traffic controller at Cross Financial Services, helping clients get the information they need and answering their questions. It’s her goal to provide exceptional and dependable client service with a smile.
This firm is not a CPA firm.
HAVE A QUESTION?
Fill out the form and our expert will be there for your help as soon as possible.