Inflection Financial

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Client assets under management

$198,299,808

Clients

72% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$3,672,219

About

Inflection Financial provides investment advisory services to employer-sponsored 401(k) plans and individual wealth management clients, offering both plan-level services (including ERISA Section 3(38) discretionary investment management for most plans) and comprehensive financial planning and portfolio management for individuals. The firm also offers a Financial Advice Center for plan participants, with one-on-one video consultations (Microsoft Teams or Zoom) that are recorded with participant consent and provided as part of certain plan service tiers.

The firm’s investment process for individuals emphasizes an evidence‑based, long-term approach that prioritizes broad diversification, cost‑efficient implementation, and factor-aware exposure, with comprehensive financial planning included in its Wealth Management offering. For retirement plans, Inflection Financial applies an institutional scoring methodology that combines quantitative and qualitative factors, conducts quarterly reviews, and delivers written Fiduciary Investment Reviews on the cadence specified in each plan’s service agreement.

Inflection Financial manages approximately $491.4 million in client assets with two advisors, a level of assets per advisor that is uncommon for firms of this support size and reflects recent growth including an acquisition that added roughly 16 retirement-plan clients. Distinctive operational and governance details include a requirement that individual clients custody assets at Charles Schwab Institutional, use of a third‑party marketing service to arrange introductory meetings with prospective plan clients, and a mediation-then-binding-arbitration dispute resolution provision in its individual advisory agreements.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Retirement plans for business owners (SEP, solo 401k) Retirement income strategy General retirement planning Income planning

Occupation focus

Founder/Business Owner Retired

Fee options

Percentage

$0 - $2,500,000: 0.65% (Core Advisory Fee) $2,500,001 - $7,500,000: 0.45% (Core Advisory Fee) $7,500,001+: 0.35% (Core Advisory Fee) $0 - $2,500,000: 0.80% (Enhanced Advisory Fee) $2,500,001 - $7,500,000: 0.60% (Enhanced Advisory Fee) $7,500,001+: 0.50% (Enhanced Advisory Fee)

Project-based

$550 per hour for project-based consulting services

Other

Account minimum: $1,000,000 Minimum fee: $6,000 annual minimum for Core Advisory Fee; $10,000 annual minimum for Enhanced Advisory Fee Fee-only: Wealth Management for individuals: $7,500/year base fee plus 0.50% of assets under management

Main office location

Inflection Financial

San Antonio TX, United States

Number of offices

Most active in

Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 210-200-8878

Advisors at this firm

Mary H

Series 63, Series 65

San Antonio, TX

Inflection Financial

Mary Haselhorst is a financial advisor at Inflection Financial with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Financial Life Advisors and Commonwealth Financial Network. Inflection Financial serves both company 401(k) plans and individual clients, offering investment and non-investment consulting for retirement plans as well as comprehensive financial planning and wealth management. The firm combines ERISA fiduciary plan management with active trading and options strategies, managing approximately $342 million in assets across about 50 clients.

Retirement plans for business owners (SEP, solo 401k) Retirement income strategy General retirement planning Income planning Founder/Business Owner Retired

Philip W

CFP®, CFA®, ChFC®, Series 63, Series 65

San Antonio, TX

Inflection Financial

Philip White Jr. is a CFP®, CFA®, and ChFC® with 21 years of experience in financial advising. He is the sole advisor at Inflection Financial and has worked previously with myFinancialAnswers, LLC and Retirement Plan Fiduciaries, LLC. Outside of advising, he holds a minority ownership in a quick-serve restaurant franchise and serves on the board of a multi-family real estate investment trust, where he chairs the compensation committee. Inflection Financial serves both company 401(k) plans and individual clients, providing retirement plan consulting and comprehensive financial planning. The firm combines fiduciary plan management with active trading and options strategies, managing approximately $342 million in assets across about 50 clients.

Retirement plans for business owners (SEP, solo 401k) Retirement income strategy General retirement planning Income planning Founder/Business Owner Retired

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