Endurance Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$101,477,805
Clients
588
Advisors
4
across 2 offices
About
Endurance Financial Planning serves individual clients, including high-net-worth households, as well as pension/profit-sharing plans, charities and businesses. The firm offers ongoing discretionary wealth management, comprehensive financial planning engagements, and non-discretionary ERISA retirement plan consulting.
The firm primarily follows a passive investment approach, building portfolios from index mutual funds and ETFs to achieve target asset allocations and tax efficiency, and delivers client-specific plans based on financial situation and risk tolerance. For wealth management clients it typically operates on a discretionary basis with quarterly reviews and custodian statements, while allowing clients to impose reasonable, written investment restrictions.
Distinctive features in the brochure include a recent transition to SEC registration in 2026, a small four-advisor team managing roughly $101.7 million in primarily discretionary assets with no stated account minimum, and a low-entry comprehensive planning fee schedule beginning around $800. The firm also discloses the use of AI and advanced technologies in its processes, participation in a third‑party lead‑generation program, and broad discretionary authority that may include derivatives and short sales—items that may be less common among similarly sized peers.
Client services
Expertise
Fee options
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.90% $1,000,001 - $1,500,000: 0.80% $1,500,001 - $2,000,000: 0.70% $2,000,000+: 0.60%
Fee-only: Comprehensive Financial Planning fees ranging from $800 to $3,000 based on complexity; initial deposit not less than $400.
Main office
See office2400 N 10th St., Suite B
McAllen TX 78501
Advisors at this office
3
Offices (2)
Most active in
Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Sergio G
Series 65
McAllen, TX
Endurance Financial Planning, LLC
Sergio Garcia is a financial advisor at Endurance Financial Planning, LLC with nine years of industry experience. He holds a Series 65 designation and has held roles at Whitewing Financial Consulting LLC, Interactive Tax Planning LLC, and Tranquility Financial Planning, LLC. Garcia is also a Clinical Associate Professor at The University of Texas - Rio Grande Valley and provides econometric consulting and expert witness testimony through Whitewing Analytics. Endurance Financial Planning serves individual clients, including high-net-worth households, pension and profit-sharing plans, charities, and businesses. The firm uses a primarily passive investment approach with portfolios built from index mutual funds and ETFs, offering discretionary wealth management and comprehensive financial planning tailored to clients’ financial situations and risk tolerances.
Rosa Y
CFP®, Series 65
McAllen, TX
Endurance Financial Planning, LLC
Rosa Ybarra is a CFP® with 13 years of industry experience, currently serving at Endurance Financial Planning, LLC. She manages financial planning and wealth advisory services and also owns Interactive Tax Planning, LLC, where she provides tax return preparation and personal tax advice. Ybarra previously worked with the Hidalgo County Appraisal District and other financial firms. Endurance Financial Planning serves individuals, high-net-worth households, and institutional clients through discretionary wealth management, comprehensive financial planning, and ERISA retirement plan consulting. The firm uses a primarily passive investment strategy focused on index funds and ETFs, tailoring plans to clients’ financial situations and risk tolerances.
Jose C
Series 65
McAllen, TX
Endurance Financial Planning, LLC
Jose Cadena is a financial advisor at Endurance Financial Planning, LLC in McAllen, TX, holding a Series 65 designation with four years of industry experience. He has worked at Endurance Financial Planning since 2021 and has prior experience at Rio Grande Regional Hospital, South Texas Health Systems, and DHR Health. Endurance Financial Planning serves individual clients, including high-net-worth households, as well as pension and profit-sharing plans, charities, and businesses. The firm primarily employs a passive investment approach using index mutual funds and ETFs, offering discretionary wealth management alongside comprehensive financial planning and ERISA retirement plan consulting.
Timothy F
Series 65
Porter, TX
Endurance Financial Planning, LLC
Timothy Fleming is a financial advisor at Endurance Financial Planning, LLC with six years of industry experience. He holds a Series 65 designation and has worked at Endurance Financial Planning since 2019. Concurrently, he has been involved with the College Park Church of Christ since 2010. Endurance Financial Planning serves individual clients, including high-net-worth households, pension and profit-sharing plans, charities, and businesses. The firm employs a primarily passive investment strategy using index mutual funds and ETFs to build tax-efficient portfolios tailored to each client's financial situation and risk tolerance.
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