Why pay advisory fees on the money you can't afford to lose?
Our clients pay no advisory fees on their income sleeve.
They pay 1% on the money invested for long-term growth.
That's how it should be, and how almost nobody else does it.
0%
The income sleeve
Principal-protected. Predictable.
1%
The growth sleeve
Our best ideas. Actively managed.
0%
The safe sleeve
Principal-protected. Predictable.
1%
The growth sleeve
Free to compound. Free to be aggressive.
A rule is only a standard, because no one does anything about it.
You've spent decades building against inflation, taxes, and uncertainty. We've spent decades watching segments of an industry serve itself instead of you.
So we built an alternative.
Two sleeves… One coordinated household.
the income sleeve
0%
Advisory fee *
Funds safe-guarded against market loss.
Allocated to appreciate in any market environment.**
- iPrincipal-protected
- iiBuilt for income and liquidity needs
- iiiNever billed an advisory fee
The growth Sleeve
1%
Advisory fee
Money with a long runway.
Invested for long-term growth and actively managed on your behalf.
- iOur best ideas for growth - Stocks / ETFs
- iiManaged, rebalanced, reviewed
- iiiBilled only on what's invested
*Transaction costs may apply.
**Spotlight Financial utilizes CDs, money market funds, and fixed/index annuities to reduce exposure to market declines. These products are not risk-free. In the event of carrier/issuer default, clients can lose money.
Two sleeves, one plan — invested so a move in one sleeve shouldn't impact you in the other.
The compounding cost of paying fees on the income sleeve.
Two clients. Identical $1M portfolios.
Same 60/40 allocation. Same returns: 8% on growth, 5% on income.
No withdrawals. Twenty years.
The only difference: where the advisory fee is charged.
Client A · 1% on the entire portfolio
$3,155,398
Ending portfolio after 20 years, starting from $1,000,000.
Client B · 1% on growth, 0% on income
$3,348,657
Ending portfolio after 20 years, starting from $1,000,000.
Ending portfolio advantage
$0
The fee savings stay invested.
And earn returns of their own.
Illustrative example. Hypothetical returns chosen to demonstrate the compounding effect of advisory fees. 8% growth and 5% income returns are stylized assumptions; actual returns vary. Does not evaluate the impact of commissions or other potential contractual fees. Not a projection of any specific investment strategy. This sleeve may be subject to commisions.
Spotlight Financial - Our Story
A new firm built on decades of experience.
When we started Spotlight Financial, we did so with a singular goal: to create a culture that was our own. We wanted to define, in clear and certain terms, how to deliver the best client service experience.
That meant challenging long-held beliefs in a business desperate for improvement. It was a conversation long overdue.
At Spotlight Financial, our intention is to shine a light on the parts of our industry that have prioritized profits over their original purpose: doing what is best for clients.
Their two-sleeve approach rethinks the architecture of the conventional investment portfolio and challenges the status quo.
The Spotlight team also includes Armando "Mandy" De Leon (Alex's father, with nearly 40 years of consulting experience), Diana Paris (LPL Registered Sales Assistant), Phoebe Glemba (Financial Advisor), and Ashlyn Clark (Sales Assistant) — a multigenerational practice rooted in Corpus Christi.
2024
Year Spotlight Financial was founded
100+
Combined years of advisor experience
6
Team members serving Coastal Bend families
Our Core Beliefs
The investment process should be understandable.
It is our job to break down complex problems into their most basic elements. This is known as first-principle thinking, and it is the framework we utilize to educate our clients.
Our clients sacrifice fees, not service.
What matters most to us is how we treat our clients. Many firms make this claim. The unfortunate reality is that very few deliver on the promise.
For our team, this is more than a financial exercise; this is personal.
Ongoing education is the best way to build trust.
Trust is the foundation of every client relationship.
One of the most meaningful ways we strengthen that trust is by empowering our clients through education.
Our Services
Investment Management
How can investors pursue growth while managing risk during economic downturns?
We build portfolios designed to seek positive total return over time, balancing growth opportunities with strategies intended to help manage downside risk.
Financial Planning and Risk Management
A successful financial plan includes proper risk mitigation. Are you mitigating more than market risk?
At Spotlight Financial, we aim to protect our clients from risks inside and outside of the economy.
Personal CFO
We offer advice on all things financial.
Whether you’re selling a business, buying a home, or seeking to maximize tax efficiencies, we are here to provide actionable solutions.
Three steps.
Specific to how we actually practice.
Step I
Understand your full household.
Most advisors ask about risk tolerance. We ask about your specific spending needs and time horizons. That determines how we size each sleeve — not a generic 60/40 model.
Step II
Build two sleeves, not one portfolio.
Your income sleeve is sized to cover withdrawals and structured to create a downside buffer. Your growth sleeve is positioned for longer-term investment objectives. Coordinated as one household allocation — not as two competing accounts.
Step III
Communicate through cycles and life changes.
Our growth strategy may trail the index in some years and beat it in others. We'll help you understand the economic and market conditions that affect your portfolio. Often clients leave advisors over communication, not performance. We've designed against that.
Take the Next Step
A 30-minute conversation.
No pressure.
If our approach makes sense for your situation, we'll show you the math on your specific household. If it doesn't, we'll tell you that too — and where else to look.
Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.