Gap Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$130,950,345
Clients
93
Advisors
4
of 5 employees
About
Gap Financial Services works with individuals — including high‑net‑worth clients — as well as businesses and retirement plan sponsors, providing discretionary investment management, written financial planning and a comprehensive planning retainer offering. The firm also advises on and helps select third‑party (outside) managers and delivers participant education and portfolio models for qualified retirement plans.
Gap typically builds passively oriented portfolios using index mutual funds and ETFs to emphasize low internal costs, minimal turnover and tax efficiency, but it also operates a proprietary options program that writes short‑term put and call contracts (including covered and naked positions). Investment management is discretionary with at least quarterly reviews; the firm requires a $500,000 minimum for its direct investment management service while planning and outside‑manager services may have different requirements.
Noteworthy for a firm of this size, Gap combines a passive core approach with an active options overlay and a formalized ongoing planning retainer, and the advisory team brings multi‑firm industry experience and multiple advanced professional credentials. The firm has applied for SEC registration, uses Schwab’s institutional platform (including access to Schwab support services), does not accept ongoing custody beyond fee debiting, and does not vote client proxies — operational features prospective clients may wish to consider.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Financial Planning Fixed Fee generally offered as fixed fee between $3,000 and $10,000, negotiable, with max upfront billing of $5,500 more than 6 months ahead; Comprehensive Financial Planning upfront $3,000-$12,000 plus ongoing monthly fee $150-$500
$50,000 - $500,000: 0.95% $500,001 - $1,000,000: 0.85% $1,000,001 - $1,500,000: 0.80% $1,500,001 - $2,000,000: 0.75% $2,000,001 - $3,000,000: 0.70% $3,000,001 - $4,000,000: 0.65% $4,000,001+: 0.50%
Comprehensive Financial Planning ongoing fee $150-$500 per month
Account minimum: $500,000 Fee-only: Financial Planning Fixed Fee ranges between $3,000 and $10,000; Comprehensive Financial Planning upfront fee $3,000-$12,000 plus ongoing monthly fee $150-$500
Main office
Austin TX
Advisors at this office
4
Most active in
Louisiana · Texas
Also doing business as
Gap Financial Services · Gap Financial Services Or Gap Financial · Gap Financial Services, LLC
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:
-
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.
Advisors at this firm
Benedict J
CFP®, ChFC®, Series 63, Series 65
Austin, TX
Gap Financial Services
Benedict Johnson is a CFP® and ChFC® with 29 years of industry experience. He currently works at Gap Financial Services and has held previous roles at Morgan Stanley, First Command Financial Services, and USAA over the course of his career. Gap Financial Services serves individuals, high-net-worth clients, businesses, and retirement plan sponsors by providing discretionary investment management, financial planning, and third-party manager selection. The firm combines a passive core investment approach with an active options overlay and maintains an ongoing planning retainer offering.
Lorri W
Series 65
Austin, TX
Gap Financial Services
Lorri Winkcompleck is a financial advisor at Gap Financial Services with nine years of industry experience and a Series 65 designation. She has worked at Gap Financial Services since 2017 and was previously self-employed for eight years. Outside of her advisory role, she has been involved with Austin Ridge Church since 2022. Gap Financial Services provides discretionary investment management, written financial planning, and a comprehensive planning retainer to individuals—including high-net-worth clients—as well as businesses and retirement plan sponsors. The firm typically employs a passive investment approach with index mutual funds and ETFs, supplemented by a proprietary options program.
Jarrod W
CFP®, ChFC®, CRPC®
Austin, TX
Gap Financial Services
Today’s modern wealth builders understand they need someone to represent their best interests in a non-commission based fiduciary role, someone who also has access to the institutional level products and a massive research database. For the past 26 years, Jarrod Winkcompleck has offered clients both. Jarrod started his working life as an investment advisor with a national brokerage firm before becoming a Certified Financial Planner (CFP®), assisting our nation’s veterans as a Senior Financial Planner for USAA. In addition to this professional designation, Jarrod has qualified for and then earned six more highly valued professional designations: Chartered Financial Consultant (ChFC®), Chartered Retirement Planning Counselor (CRPC®), Chartered Mutual Fund Counselor (CMFC®), Cash Balance Consultant (CBC®), Certified Health Savings Advisor (CHSA®), and Chartered Advisor for Senior Living (CASL®). As his professional career advanced, he served as Director of Business Development and Senior Planner for one of Texas’ largest and most profitable Registered Investment Advisors. In recent years, he also acted as Partner and Senior Advisor to a specialized private wealth management firm before founding Gap Financial Services, a firm birthed from his desire to bring honesty and integrity to all clients seeking to build their financial legacies. In 2019, he accepted an appointment from the Texas Lt. Governor to serve on the Texas Prepaid Higher Education Tuition Board, a group of experts dedicated to managing the Texas Tuition Promise Fund and Texas 529 Savings Plan. He graduated from the University of Texas at Arlington with a BBA in Finance. Jarrod has been married for twenty-nine years and has one high-school aged daughter.
Joseph M
CFP®, Series 63, Series 65
Austin, TX
Gap Financial Services
Joseph Montanaro Jr. is a CFP® professional with 23 years of industry experience, currently serving at Gap Financial Services since 2026. His prior roles include multiple positions at USAA from 2003 to 2025 and seven years with Ameriprise. Gap Financial Services works with individuals, including high-net-worth clients, businesses, and retirement plan sponsors, offering discretionary investment management, written financial planning, and a comprehensive planning retainer. The firm typically employs a passive core investment approach combined with an active options overlay and provides ongoing portfolio and educational support for qualified retirement plans.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)