swan dfw financial solutions

Fiduciary Financial Advisors in Dallas–Fort Worth, Helping You "Sleep Well At Night"

SWAN DFW Financial Solutions is an independent, fee-only fiduciary firm building complete retirement plans for Metroplex households, so the advice comes from a father-son team paid by you rather than by a product commission.

Hector Hinojosa, CFP®

Founder, Certified Financial Planner™

Josh Hinojosa

Investment Advisor Representative (IAR)

Your Goals, Within Reach.

Real Retirement Planning for the Whole Metroplex

For most people, retirement isn't about hitting a number. It's about not lying awake wondering whether the number is right.


We're a father-son team. Hector Hinojosa has worked in financial services since 1995 and has held the CFP® certification since 2001. Josh Hinojosa is a Fort Worth native who works alongside him. Together we build the whole plan, investments, Social Security timing, Medicare, and taxes, rather than handing you a portfolio and calling it a strategy.


We work across the Metroplex and keep dedicated local practices in Dallas, Fort Worth, Plano, Arlington, and Southlake.

What Independent Actually Buys You

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Fee-only means we're paid by our clients and never through product commissions.

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Hector holds the CFP® certification and has advised families since 1995.

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You work directly with Hector and Josh, not a rotating service desk.

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Every cost is priced in writing before any work begins, from one of three published options.

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We have no proprietary products to place, so the recommendation is the recommendation.

Our approach to growing and defending what you've saved lives on our wealth management page, and every fee option is published on our fees and pricing page.

Your Path, Your Goals—We’re With You at Every Step


No matter where you’re at, SWAN DFW Financial Solutions is ready to help you move forward with clarity.

  • Just Starting Out? Lay the groundwork now and future-you will thank you.
  • Halfway There? Make up for lost time and sharpen your plan.
  • Close to Retirement? Maximize your nest egg, minimize your stress.

Our Services Make Retirement Simple (And Maybe Even Fun)

No two dreams are the same. That’s why we offer:

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Build a strategy so you won’t run out of money—or sleep.

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Grow, protect, and pass on what you’ve built (and still buy the good coffee).

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We’ll help you squeeze every dollar from Uncle Sam, without the paperwork headache.

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Protect your people, lock in future health plans, and leave a legacy—medicare made simple.

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MEET YOUR financial teAM

Hector Hinojosa, CFP®

Hector Hinojosa, CFP®, has served clients in financial services since 1995 and became a certified financial planner in 2001. He works with clients across Dallas–Fort Worth, including aerospace professionals, and still brings nearly 30 years of passion to every family he helps.

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MEET YOUR financial teAM

Josh Hinojosa

Josh Hinojosa is a Fort Worth native with two years of experience in financial services, holding his Series 65 and Texas life and health insurance licenses. He earned degrees in finance and business management from Texas Wesleyan University.

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Straight Answers Before You Ever Book a Meeting

  • Who is SWAN DFW Financial Solutions?

    SWAN DFW Financial Solutions is an independent registered investment adviser based in Fort Worth and serving the Dallas–Fort Worth Metroplex. It's run by Hector Hinojosa, CFP®, and his son Josh Hinojosa, an Investment Advisor Representative. SWAN stands for Sleep Well At Night, which is the outcome the whole practice is built around.

  • What makes an independent fiduciary financial advisor different from the advisor at my bank?

    A fiduciary is legally required to put your interests ahead of its own. Independent means we aren't tied to a parent company's product shelf, so there's nothing we're incentivized to sell you. Both together are what let us say no to a product when the answer is no.

  • Is SWAN DFW a family-owned financial planning firm?

    Yes. It's a two-advisor, father-and-son practice, which is the reason you get Hector or Josh on the phone rather than whoever is next in a queue. That structure is deliberate and it's what we intend to keep.

  • Do I need a certain amount of money to work with you?

    No. We publish three fee options precisely so people at different stages can find one that fits, including a one-time comprehensive plan for people who want to manage their own investments. What we look at first is whether we can actually help.

  • What does the first meeting cost?

    Nothing. The first conversation is complimentary and carries no obligation, and it exists so both sides can decide whether the fit is right.

explore our Wealth Defense Podcast

Protect Your Wealth & Defend Your future.

Curious about money moves, market updates, or what’s really happening in retirement planning? Catch the latest episodes of “Wealth Defense Radio – The Podcast,” hosted by our own SWAN DFW team. Be sure to check back weekly for new episodes!

Financial Tips, Local Wisdom, and Retirement Real Talk

Why Long-Term Investing Works

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Spending Flexibility in Retirement - Why Income Planning Matters

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Gold as an Investment - Pros, Cons, and Key Considerations

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National Annuity Awareness Month - June - High-Net-Worth

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Guaranteed Insurability Rider: How It Works and Why It Matters

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Life Insurance and Financial Literacy: What You Need to Know

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Maximize Your IRA and HSA Contributions Before the Tax Deadline

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Accelerated Death Benefit Riders: How They Support You During Serious Illness

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What Adults Managing Student Debt Should Understand About Retirement Planning

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Finding the Right Fiduciary Financial Planner in Dallas–Fort Worth

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Balancing Growth and Downside Protection for Dallas–Fort Worth Retirees

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Let’s Turn Financial Stress Into “Sleep Well At Night” Confidence.

Whether you're tired of guessing, worried about outliving your savings, or you just want an advisor who calls you back, we're ready. You'll know what the plan is and what it costs before you commit to anything.


Every option is published on our fees and pricing page, or reach us directly through our contact page.