San Antonio, TX Office

Compass Financial Group provides investment advisory and financial planning services primarily to individual clients (excluding high net worth individuals) and to insurance companies, offering both discretionary and non‑discretionary portfolio management and referrals to third‑party money managers. Advisors at the firm are also licensed insurance agents and may offer insurance products in addition to advisory services.

The firm tailors advice to each client's objectives and typically implements strategies by allocating among asset classes and model portfolios developed by third‑party managers rather than performing in‑house quantitative analysis of individual securities. Commonly used instruments include money market funds, exchange‑traded funds, and structured products, and the firm generally favors long‑term purchase strategies and the use of third‑party models.

Distinctive features disclosed in the brochure include the firm’s licensed insurance agency affiliation, which creates commission‑based compensation for insurance sales and potential conflicts of interest—particularly in rollover recommendations and referrals to affiliated entities. The firm also offers access to a third‑party wrap‑fee program and manages roughly $91.6 million in client assets with a small advisor team while serving primarily non‑HNW individual clients.