Downshift Financial

I graduated from Texas A&M’s Mays Business School in 2008 (perfect timing for a job hunt!) and quickly discovered a passion for investing. During my eight years working in real estate, I devoured everything I could find on investing and personal finance. This led to the realization – far too slowly, my wife points out – that my true passion is helping others craft their best lives through real financial planning. Appalled by the status quo within the industry, and determined to serve families the way they truly deserve, I set out to found Downshift Financial with Eddie. We founded Downshift Financial to deliver real financial planning to regular people through a service model that actually makes sense: Flat quarterly fees. No commissions. No sales pressure. No BS. Our goal is to help clients maximize their lifetime fulfillment through financial independence. Often, that means working less to free up time for family and hobbies.

John Reynolds is a financial advisor at Downshift Financial with a Series 65 credential and one year of industry experience. Prior to joining Downshift Financial, he worked at Apple Inc. for twelve years. Downshift Financial serves individual investors, including high-net-worth clients, and employer plan sponsors with discretionary investment management, comprehensive wealth management, and retirement plan consulting. The firm employs a primarily passive investment approach using diversified portfolios of mutual funds and ETFs, with selective use of conservative options strategies.

Edwin Liang is a CFP® and holds a Series 66 license with 21 years of industry experience. He has worked at Merrill for multiple terms totaling 16 years, First Republic Bank, and has been with Downshift Financial since 2021. Downshift Financial serves individual investors, including high-net-worth clients, and employer plan sponsors by providing discretionary investment management, comprehensive wealth management, and retirement plan consulting without requiring a minimum account size. The firm primarily employs a passive investment approach using diversified portfolios of mutual funds and ETFs, with discretionary management and periodic reviews.