Certified Financial Planner & Goal-Based Planning Specialist
Austin, TX · 11 years of experience
Michael Torres is a Certified Financial Planner (CFP®) with 11 years of experience in goal-based financial planning. He founded a fee-only financial planning practice in Austin in 2018 after spending the first part of his career at a large regional bank's wealth management division, where he grew frustrated with product-driven advice that did not always serve clients' best interests.
Michael's planning philosophy centers on the idea that financial success is not about accumulating wealth for its own sake, but about aligning money with what matters most to each individual. His writing reflects this philosophy — he focuses on the mechanics of goal-setting, progress measurement, and the psychological dimensions of financial planning.
He has been featured in U.S. News & World Report, SmartAsset, and Austin Monthly. Michael holds a B.B.A. in Finance from the University of Texas at Austin and is a member of NAPFA (National Association of Personal Financial Advisors), which requires members to operate as fiduciaries.
SMART goals — Specific, Measurable, Achievable, Relevant, and Time-bound — create the clarity and accountability needed to follow through on financial plans.
Read article →Net worth is the single most important number in personal finance. Tracking it monthly reveals whether your financial decisions are actually moving you forward.
Read article → ← Browse all finance guidesCERTIFIED FINANCIAL PLANNER™ (CFP®)
CFP Board · 2014
B.B.A. Finance
University of Texas at Austin
CFP® Certification
CFP Board
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