Monica Cervantes

Monica is a behavioral financial planner with over a decade of experience in the financial and accounting industry, helping clients align their financial decisions with their values and aspirations. 

With a background in public accounting and a Master’s in accounting from the University of the Incarnate Word, Monica brings sharp financial expertise and a clear, steady communication style to every client relationship. 

She specializes in guiding individuals through complex transitions, especially after divorce. Her expertise, empathy, and grounded perspective create a trusted space for making smart, confident decisions. Drawing on behavioral finance principles, Monica helps clients identify emotional blind spots, understand their financial behaviors, and take meaningful action toward long-term success. 

Monica often reminds her clients, “You do the heavy lifting. I’m here to guide you and reflect on your progress.” Her approach blends tax-efficient strategies, comprehensive planning, and an understanding of the emotional realities of life changes. She works exceptionally well with clients, managing their finances independently for the first time and helping them feel informed, empowered, and in control. 

She is a Certified Divorce Financial Analyst® and a Candidate for CFP® certification. Monica actively serves as Membership Director for the Financial Planning Association of San Antonio & South Texas Chapter and volunteers at the San Antonio Rodeo Frontier Club. She also supports her alma mater through the University of the Incarnate Word’s H-E-B School of Business Dean’s Advisory Council. 

Outside of work, Monica enjoys golfing, traveling, attending Broadway shows at the Majestic Theatre, and spending time with her husband, Justin, and their Great Pyrenees, Loki. Above all, Monica is passionate about helping clients feel financially secure, confident, and optimistic about the future.