Cynthia Campos Delgado

Founder, Financial Advisor

Cynthia brings more than 17 years of financial services experience to Campos Wealth Management, working diligently to help Texas residents plan for their financial futures. She began her financial career as an assistant, working her way up to become a licensed agent and financial advisor, servicing clients and assisting them with planning for their retirement using the strategies best suited for their situation.

After working for Gilbert Financial Services for many years, Cynthia was designated to take over the firm as their succession plan, leading her to start Campos Wealth Management. “I still work with all my clients, as well as taking on new ones. I am excited about creating my own path, stepping out and up to the next level,” she says.

Though Cynthia is ready and able to assist anyone in need of guidance with insurance, budgeting, income planning, debt planning and goal planning, she is passionate about helping teachers. “First and foremost, I’m your helper. I’m your guide,” Cynthia says. She has an advanced knowledge of the Teacher Retirement System of Texas, and she knows how to work both with it and around it. “It has problems, but those problems don’t need to stop us from using it to plan for retirement.”

Cynthia possesses an extensive knowledge of the Teacher Retirement System of Texas, but she also works with families, retirees, single parents and individuals, no matter their net worth and no matter their age. She believes it’s never too early to start planning for retirement, and retirement planning should come with a current idea for budgeting. She also believes in working closely with clients to establish goals. “Because each person’s plans and goals are different, it’s important for them to be involved so that we know how to approach their unique situation,” she explains. “Sometimes two heads are better than one. We can figure it out by working together.”

Well-versed in retirement planning, estate planning, annuities and insurance strategies, Cynthia also uses her wide-ranging experience in the financial field to implement tried and true methods of building wealth, saving and planning for retirement income. “I want to help clients follow the easiest path, and the most proven path, toward their financial success,” Cynthia says.

Prior to becoming a financial advisor, Cynthia spent five years as a property and casualty-licensed agent, helping people with home and auto insurance, and more than 10 years in property management. Her Navy upbringing took her all around the country, but she finally settled in Texas, a state she is proud to call home. She studied business administration at the University of Texas, and she now focuses all of her energy on providing care and counsel for residents of the largest state on the mainland.

Cynthia’s devotion to working with mothers comes from her own experience, as she has four sons and is close with all of them. Cynthia jokes that boys must run in her family, as she also has two grandsons, but doesn’t bother her one bit. “I love having boys and wouldn’t change a thing,” she says proudly.

When she has free time, Cynthia enjoys travelling, especially to national and state parks. She feels very connected to nature, and one of her main hobbies is bird-watching.

Return Home

Services

At Campos Wealth Management, we are driven by our desire to help you. That’s why we offer a wide variety of services to meet each of your needs while educating you on how to maximize your financial potential.

Texas Retirement System for Teachers

The Texas Retirement System for Teachers is the largest public retirement system in our great state of Texas. Guiding more than 1.8 million Texas residents into retirement, it provides educators with pensions and health care. At Campos Wealth Management, we can not only help you understand your benefits as an educator in TRS, but we can help you take advantage of them. We also understand the problems with TRS, like solvency and lack of COLA. Your pension figures to be one of the key elements of funding your retirement, and we can assist you with planning in conjunction with other forms of retirement income, like Social Security and your 403(b). We can also help you plan for the event that those retirement accounts just don’t cut it by advising and teaching you about alternative retirement options.

Life Insurance and Annuities

Today’s permanent life insurance and annuity options are completely different than in the past, offering living benefits in retirement with the potential for growth, lifetime retirement income and protection from stock market downturns. Other optional coverages can kick in if you want to make sure your spouse, heirs or favorite charity receive a death benefit—tax-free in most cases. Yet other new policies offer coverage if you need long-term care at some point but provide other benefits if you don’t. Depending on your unique situation and goals, we analyze hundreds of policies from multiple carriers to find the right retirement strategies for you.

Income Planning

After you have saved money your entire working career, it can be challenging to stop work in retirement and begin using your savings for monthly income and living expenses. How much should you withdraw, and from which accounts? How can you be sure you won’t run out of money now that you are retired and have no income coming in? Campos Wealth Management has developed specific strategies to help you generate reliable monthly income in retirement using the assets you have saved, helping ensure you will not run out of retirement income no matter how long you live.

Debt Planning

Owing money is scary, and with the average American climbing a mountain of debt, sometimes it can be difficult to see the peak. Though the thought of owed money might live in the back of your head, it’s important to know that you’re not alone, and you never will be. Campos Wealth Management specializes in planning how you can attack your debt head on. When you feel like you’re under water, we work with you to assess your budget, your income level and your tolerance for risk to find the best, quickest and easiest paths back to the surface.

Goal Planning

What are your financial goals? At Campos Wealth Management, we believe it’s important to have goals, and we don’t see a reason why they shouldn’t be lofty. Whatever those goals are, we can help you reach them. If you are unsure what goals you have and which direction you should be going, we can use our first meeting to set a course for success. It’s our job at Campos Wealth Management to be your compass, keeping you focused and driven toward your goals. With the right amount of motivation and the proper planning, we can keep you and your family on track for a long, successful career and a happy, relaxing retirement.

Budgeting

It’s important to have a budget. Campos Wealth Management can help analyze your income versus expenses to determine how much you should be spending and saving, because the two are equally important. We can also help you incorporate retirement planning into your budget, because your pension and/or Social Security may not be enough when it comes to funding your retirement by themselves. With proper planning, you can create additional retirement income sources. We can help you by weighing your necessary expenditures with your income, then determining how much you can use to invest in your future.

TRS, IRA and 401(k) Rollovers

Your retirement accounts can dictate how comfortable your life is once you decide to call it a career. Campos Wealth Management can help you assess and potentially roll over some of those accounts into other options that you own—instead of your former employer—which may help you build cash value faster and/or increase your income in retirement.

Contact Us

We look forward to meeting with you and helping you reach your financial goals, both during your career and in retirement.

P.O. Box 3152
McAllen, TX 78502
Ph: (956) 686-3737 | Fax: 830-387-5711

"*" indicates required fields