Good Neighbor Podcast: Frisco

EP 330: From Bible to Business: How Swan DFW Guides Retirement Transitions

• Sophia Yvette

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What makes Hector Hinojosa with Swan DFW Financial Solutions a good neighbor?

A chance meeting over lunch in 1993 changed everything for Hector Hinojosa. When he spotted a Bible on the front seat of his lunch companion's car, he had no idea this connection would launch him into a career as a financial planner. Today, as founder of Swan DFW Financial Solutions, Hector has built a thriving practice based on a simple yet powerful promise to his clients: "Sleep Well At Night."

When Hector's earliest clients told him, "We're never going to get rich, we just want to sleep well at night," he found his firm's purpose and name. Swan DFW specializes in guiding clients through the complex emotional and financial transition from decades of working life into retirement. Focusing primarily on clients between 50-65 years old, many from Lockheed Martin with 25-35 years of service, Hector's team creates comprehensive financial plans tailored to individual retirement goals.

Perhaps the most valuable insight Hector shares is debunking the myth that financial planners cost too much. Research shows working with a qualified planner typically results in 15% more retirement money compared to going it alone. This advantage comes from professional guidance that prevents costly mistakes and keeps clients focused on long-term plans. Beyond the numbers, Hector emphasizes the critical 90 days before and after retirement—a time when emotional coaching proves just as important as financial expertise. After 45 years of the same work routine, that transition requires both financial and psychological preparation.

Want to learn more about how Swan DFW Financial Solutions can help you sleep better at night? Visit their website at swandfw.net, check out their "Wealth Defense Radio" podcast on YouTube or Spotify, or email info@swan-dfw.net to discover how their truth-telling approach to financial planning might be the perfect fit for your retirement journey.

To learn more about Swan DFW Financial Solutions go to:
 🌐 swandfw.net

Swan DFW Financial Solutions
📞 +1 (817) 938-0077


Speaker 1:

This is the Good Neighbor Podcast, the place where local businesses and neighbors come together. Here's your host, Sophia Yvette.

Speaker 2:

Welcome to the Good Neighbor Podcast. Are you in need of a financial planning and wealth management firm? Well, one may be closer than you think. Today I have the pleasure of introducing your good neighbor, Hector Hinojosa, with Swan DFW Financial Solutions. Hector, how are you today?

Speaker 3:

I'm doing great. How are you?

Speaker 2:

I'm also doing great Now. We are so excited today to learn all about you and your business.

Speaker 3:

Yeah, thank you for that. Yeah, thank you for that. So when I started my firm January of 2014, I had a few clients that were coming with me and I was asking them what can I do as a certified financial planner, starting my firm? What do you want us to do for you? And what they said is you know, we're never going to get rich, we just want to be able to sleep well at night. And that's where Swan comes from, because we tell people using us, you'll be able to sleep well at night. Let us worry about your financial future and things will be good.

Speaker 2:

Now tell us a little bit more about your business.

Speaker 3:

We're a small niche firm. We started it, like I said, in 2014. We do financial planning. Our typical client is somewhere between 50 and 65 years old when we first engaged with them and they've been working. Many of them have been working at a company. A big part of our business is from Lockheed Martin. These guys have been working there for 25, 30, 35 years. We do a full financial plan. They tell us what they want to do in retirement. We budget it, we show them whether it's possible or whether we need to tweak it, and then we go from there.

Speaker 2:

So, hector, how did you originally get into this business? Believe it or not, I was asked to lunch in 1993.

Speaker 3:

I was working for the state of Texas. I was working for the state of Texas and they had contracted a firm to bring 401ks to state employees, and so a contract had been given to a company. I didn't even know what a 401k was, but I sent it to the guy's presentation. I was in Brownsville, texas. He had driven from San Antonio about a five-hour drive and we'd been cutting up and having fun while he did this presentation to a group of us. And he said hey, if you're not doing anything for lunch, I'd like to buy you lunch because I don't like to eat alone. So we went to lunch. When I opened the door to his car, he had a Bible sitting on the front seat and he was reading through the Gospel of John. I said I love the Gospel of John.

Speaker 3:

So we had lunch, everything was fine, we were messing around, and he said have you ever considered coming into this business? I said man, I don't even know what your business is. I don't know how you make money. He said well, we can teach you all that, but I think you do well. And so he asked me to send a resume. Six months later I started getting licensed and I've been in the business since Became. A CFP in 2001,. A certified financial planner in 2001.

Speaker 2:

Started my firm in 2014. Wow, Well amen to that right. Amen to that is right. What is the most common myth or misconception you come across in your industry today?

Speaker 3:

Yeah, the biggest our firm right now is just because of where people are and where money is being held is we're spending a lot of time in what we call Roth conversions taking money out of IRAs and converting them. The biggest myth we have is that working with a financial planner is going to cost too much money and the research. According to some research, a retirement planning firm talked about how a typical client that works with a financial planner will actually end up with about 15% more money than if they try to go it on their own, and there's a lot of different reasons for that and that's. But yeah, we find people try to do exactly the wrong thing slowing people down, reminding them we have a plan. So, yeah, that's the biggest myth it's we cost too much money to work with and we actually end up making more money for the client.

Speaker 2:

Wow. Now let's switch gears for a second. We know marketing is the heart of every business. How are you guys currently marketing your business and who are some of your target clients? Are they all face based? Do you have a bunch of different clients from different demographics? Tell us a bit more.

Speaker 3:

Yeah, we've been blessed in that about 95% of our clients have come from referrals, and so we've just now started going back into marketing. My son has just come on full time, and so we haven't done a lot of marketing. My son has just come on full-time and so, yeah, we haven't done a lot of marketing. When we do, we do some media. We have a podcast that we do every week with different topics, and we're now talking, we're doing seminars, on Roth conversions so people don't get caught on that, yeah, an important part of my personal walk.

Speaker 3:

But we have a lot of people from a lot of different faiths. We have most of our clients with most of the wealth are going to be in their 55 plus. But I also pride myself as we have a really good group of clients that are 35 and under who are just starting, and we've got them putting money into their investments, you know, every month. And so, yeah, we have we have a wide mix of demographic, both in in terms of age and and you know, just just every mix of it. We've seen that.

Speaker 2:

A little bit of pride myself on that well, that's an amazing thing that you're doing for the um, the community.

Speaker 3:

You know, it's not about what you make, it's about what you leave right yeah, you always that's kind of it's kind of my mantra you want to leave this place. We call home a little better than what you found it, how you found it, and we stand on the shoulders of a lot of people that have made this really great. Now it's our opportunity to leave it for our kids and grandkids going forward.

Speaker 2:

Amen to that. Now please tell our listeners one thing they should remember about Swan DFW financial solution.

Speaker 3:

Well, I don't know if we're the best, but we're certainly better looking than all the other firms, maybe not? Yeah, we're a full financial planning firm. We pride ourselves on telling you the truth. We're not. We have. I think we communicate so that you understand it, because sometimes, as you know, getting information is only a part of it. Understanding the information you just got is a really big part of it, and so we want to make sure that you understand what it is we're getting ready to do and how that's going to work. And how that's going to work Mainly because if you retire at 65, say, and you started working at 20, you've done the same way, the same life, for 45 years in a row. You've gotten up, gone to work, gotten a paycheck. Now you're going to stop working and it comes to that transition, and we talk about a lot of that. We talk about the 90 days before and the 90 days after you retire.

Speaker 3:

Yeah, that would be the one thing is not only are we great financial coaches, we'd like to think we can coach you emotionally as you go through these transitions.

Speaker 2:

Now where can my listeners go to learn more about Swan DFW Financial Solutions?

Speaker 3:

Well, you can go to our website, swandfwnet, or you can look up our podcast that's called Wealth Defense Radio, on either YouTube or Spotify. You can send us an email to info at swan-dfwnet. We'd love to engage with you, show you what we do. We're seeing it happen as you say. Yeah, I don't think so, and that's okay.

Speaker 2:

We can still be friends, but you'll understand Well, Hector, I really appreciate you being on the show today. We wish you and your business the best moving forward.

Speaker 3:

Thank you and Sophia, I really appreciate what you're doing and letting small businesses communicate with their audiences and potential clients. So thank you for what you do. You are a legend.

Speaker 1:

Thank you for listening to the Good Neighbor Podcast. To nominate your favorite local businesses to be featured on the show, go to GNPFriscocom. That's gnpfriscocom, or call 469-221-9345.