How a San Antonio Family Can Turn $1.5 Million into a Confident Retirement

Will My Income Last in Retirement?

Planning for retirement can feel overwhelming, even if you’ve done a great job saving. Imagine a couple here in San Antonio who’s built up a $1.5 million nest egg. That’s a major milestone. But even with that level of savings, a pressing question often lingers:

How do we structure our money to confidently cover our needs for the next 20, 30, or even 40 years?

At Reliance Financial Partners, we believe you’ve worked too hard not to enjoy every minute of your retirement. That’s why our Plan on Purpose process helps individuals and families design a personalized retirement strategy, one that creates confidence today and freedom for the road ahead.

We focus on five essential areas of retirement: Income, Investments, Taxes, Healthcare, and Legacy. But before we zoom out to the full picture, we start by building a strong foundation, beginning with income and investment strategy.

Step 1: Identify Your Income Gap

Let’s say you’re receiving about $50,000 per year from Social Security and a pension. You’ve calculated that your ideal retirement lifestyle, including travel, helping the grandkids, and staying active here in San Antonio, will cost around $100,000 per year. That leaves a $50,000 income gap that needs to be filled with purpose and strategy.

We help clients visualize and organize their money into three key buckets: Safety, Income, and Growth. This system creates clarity around how your assets support your lifestyle, now and in the future.

The Safety Bucket

This is your financial safety net, the money you can reach quickly without worry. It includes checking and savings accounts, money market funds, and short-term cash reserves.

We often recommend San Antonio families keep about $100,000 in this bucket to cover unexpected medical expenses, home repairs, or family emergencies, without disrupting the rest of your plan. Peace of mind is part of the return here.

The Income Bucket

Next comes the heart of your retirement paycheck. This is where we position assets specifically to generate the $50,000 annual income needed to supplement your lifestyle.

Your Income Bucket might include:

  • Certificates of deposit (CDs)

  • Bonds

  • Annuities

  • Real estate income streams


In this example, we may allocate $700,000 of your portfolio to this bucket. The goal? Reliable, repeatable income, so you can enjoy life in San Antonio and beyond without wondering where the next check will come from.

The Growth Bucket

Once your needs are met and your safety net is in place, the rest of your portfolio can be put to work for long-term growth. This might include:

  • Stocks

  • ETFs

  • Mutual funds

  • Other long-term investments


With the remaining $700,000, we focus on strategic growth, so your plan not only lasts, but evolves with your goals. Whether that’s upgrading your travel plans, giving generously, or leaving more behind, this bucket gives you room to grow.

Build a Plan That Reflects Your Life—Not Just Your Numbers

At Reliance Financial Partners, we walk you through our Plan on Purpose process so every decision connects to something bigger:

Clarity: Know where your money lives and how it’s working for you

Confidence: See how your plan supports your lifestyle, income, and long-term peace of mind

Purpose: Align your plan with what matters most to your family, your future, and your legacy

When your assets are organized around Safety, Income, and Growth, and tied into our five retirement pillars, you can stop guessing, and start planning with purpose.

If you’re a family in San Antonio wondering what’s next, we’d love to help you build a retirement plan that reflects your values and goals.

Let’s build a retirement that gives you the confidence you deserve and the freedom you’ve earned.

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Disclosure

Insurance services are provided by Reliance Financial Partners. Investment advisory services are offered through Reliance Wealth Management, an SEC registered investment advisor. Insurance products and services are not offered through Reliance Wealth Management. Neither Reliance Financial Partners nor Reliance Wealth Management offers tax or legal advice. Registration is not an endorsement of the firm and does not mean that the advisor has attained a specific level of skill or ability.

Brent Coggins

Chief Investment Officer, MBA

As Chief Investment Officer, Brent Coggins leads the overall investment strategy for Triad Wealth Partners, a Registered Investment Adviser (RIA). His approach to holistic investment management leadership and expertise is evident in the strategies built around asset allocation, portfolio construction, security selection, investment research, and trading.

Brent has worked in financial services for his entire career, most recently for a trust and investment management company based in Kansas City. There, he served on the investment leadership team, was the co-chair of the model portfolio committee, and oversaw the fund research team that covered all third-party managed investment products. This platform included traditional assets such as equity and fixed-income strategies, as well as alternatives including hedge funds, private equity, real estate, and venture capital.

Brent received his bachelor’s degree in economics from the University of Kansas and his MBA from the University of Missouri-Kansas City. Brent and his wife live in the Kansas City area with their two daughters. In their free time, they love spending as much time together outdoors as possible.

Jackson Sheputis

Sr. Planning Specialist, CFP®

Jackson Sheputis is a Senior Financial Planning Specialist with Triad Wealth Partners. He specializes in developing personalized financial planning strategies and reports to assist financial advisors in communicating their recommendations with their clients. Jackson believes every client deserves a clear, honest, and detailed review of their financial picture and goals, and he creates plans with this idea in mind from start to finish.

Before joining Triad, Jackson had four years of experience in financial planning within the RIA industry. Prior to that, he received his bachelor’s degree in finance from Valparaiso University. He completed his Series 65 designation in 2021 and received his CFP® certification in 2023.

Jackson lives in Northwest Indiana with his girlfriend Kyra and their two dogs, Rae and Martin. He enjoys golfing, watching sports, and exploring things to do in the Chicago area.

David Seufer

Director of Planning, CFA®, CFP®

David Seufer is the Director of Planning supporting advisors in crafting tailored financial plans and strategies that address their clients’ unique needs. His expertise spans retirement income planning, tax-efficient strategies, and investment management.

Before joining Triad Wealth Partners, David founded Gravitas Wealth Planning, where he prioritized delivering clarity and peace of mind to clients navigating the complexities of retirement. In his previous roles, David focused on building and scaling financial planning services and delivering an outstanding client experience.

As both a CFA charterholder and a CERTIFIED FINANCIAL PLANNER™ professional, David combines deep investment expertise with comprehensive financial planning knowledge to deliver exceptional value to clients and advisors alike. When he’s not creating strategies for financial success, David enjoys family time with his wife, toddler, and two dogs. He also enjoys strategy board games, collecting fountain pens, golfing, and everything Formula 1.

Mitch Hockenbury

Vice President of Practice Management, MBA, CFP®, RSSA®, RICP®

Mitchell (Mitch) Hockenbury is a distinguished financial authority, industry thought leader, and decorated military veteran. As Vice President of Wealth Strategy at Triad Wealth Partners, Mitch plays a pivotal role in advising and equipping financial advisors with the strategies, tools, and insights needed to elevate their practices and maximize client success. His leadership ensures that families and business owners benefit from personalized, tax-efficient planning focused on protecting wealth, optimizing income, and achieving long-term financial goals.

Mitch’s financial career began in 1999, giving him over two decades of experience in wealth management, financial planning, and investment strategy. He has worked as an investment advisor for Ameritrade and Edward Jones, consistently exceeding client expectations and business growth benchmarks. In 2018, he founded 1440 Financial Partners, a firm dedicated to helping families and small businesses achieve financial independence. His expertise spans tax-efficient investing, retirement income strategies, risk management, and Social Security optimization.

A committed lifelong learner, Mitch holds an MBA from the Naval Postgraduate School and a Bachelor of Science in Finance and Banking from the University of Nebraska-Omaha. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®), Retirement Income Certified Professional® (RICP®), and Registered Social Security Analyst® (RSSA®) designations. His thought leadership in financial planning has been featured in MarketWatch, USA Today, CNBC, Forbes, and Barron’s.

Before transitioning to finance, Mitch served with distinction in the Marine Corps and later as an Infantry Officer in the U.S. Army, completing multiple combat tours, including leading the final fighting force out of Iraq in 2011. His military career, marked by numerous commendations, ingrained in him a disciplined, mission-focused approach that he applies to financial planning and leadership.

Mitch is also an award-winning author and international speaker, known for his books Tactical Influence: How I Countered an Insurgency with Words and If I Had Only Known About Money Then: Wisdom That Would Have Saved $1,000,000. He has delivered keynote speeches and financial education sessions to organizations, universities, and professional conferences across the U.S. and internationally.

He resides in Omaha with his daughter, and two pets. In his free time, he enjoys traveling, reading, and continually seeking new ways to empower others in their financial and personal lives.

Scott Rinehart

Chief Planning Officer, CPA

Scott Rinehart is a financial planning leader dedicated to helping advisors elevate their expertise and deliver more sophisticated, tax-efficient retirement planning solutions. As Chief Planning Officer at Triad Wealth Partners, he leads the firm’s financial planning initiatives, ensuring advisors have the tools, frameworks, and strategies needed to help drive better client outcomes. His expertise spans income planning, investment strategy, tax optimization, healthcare considerations, and legacy planning—core components of a unified financial planning experience.

Scott’s career began in corporate finance, where he developed a strong foundation in financial strategy, forecasting, and investment oversight. After earning a degree in Accounting and Finance from Washburn University, he started in SEC Reporting before transitioning to Corporate Finance at Westar Energy (now Evergy), a publicly traded utility. There, he supported the Investment Committee, worked with the executive team on debt and equity issuances, and delivered monthly financial forecasts to senior leadership. His early experience in managing large-scale financial data and complex budgeting prepared him for a future in personal financial planning.

When Westar Energy underwent a merger, Scott took the opportunity to transition into personal finance—a shift that aligned with his passion for working directly with individuals and families. He became a financial advisor at Carlson Financial, a rapidly growing RIA, where he played a key role in the firm’s expansion from $70 million to over $300 million in assets under management across five offices.

During his six years at Carlson, Scott led the firm’s Advisor team of eight-plus financial advisors, developed more robust financial planning processes, and personally managed a client base of over 200 households with $135 million in assets under advisement. He also set firmwide planning and servicing strategies that supported over 1,000 client households, ensuring a high-touch, comprehensive approach to wealth management.

At the end of 2022, Scott pursued his entrepreneurial ambitions, founding Verifi Financial, an advice-only financial planning firm focused on serving DIY investors with tax-efficient retirement strategies. His work reinforced his expertise in tax optimization, strategic withdrawal planning, and holistic retirement decision-making.

Scott joined Triad Wealth Partners in 2023, where he continues to champion tax-efficient retirement planning while mentoring and educating advisors. His ability to simplify complex financial concepts into actionable strategies makes him a sought-after resource.

A Certified Public Accountant (CPA), Scott is passionate about knowledge-sharing and frequently leads educational initiatives to help advisors integrate tax-efficient strategies into their practices.

Scott and his wife live in Topeka, Kansas, where they stay busy with their two young children. When he’s not working with advisors or spending time with his family, you can find him enjoying time on the golf course.

Alexis
Nichols

Wealth Planning Lead

Alexis Nichols is a wealth planning lead at Reliance Financial Partners. Alexis is an analytical and organized investment management professional who helps build comprehensive financial plans that empower clients to think bigger, live better, and plan on purpose.

Alexis has a Bachelor of Business Administration from Texas A&M University-San Antonio. She also holds her Series 66 and general lines life, accident, health, and HMO licenses. Alexis was motivated to join Reliance Financial to be part of a team that strives to always do what’s best for their clients. This is her first priority, every day.

Alexis lives in Boerne, Texas, with her husband, her dog Bentley, and her two cats. She and her husband love to travel and explore new places. In her free time, she enjoys running, reading, painting, and organizing.

Anthony
Vasquez

Wealth Advisor

As a wealth advisor with Reliance Financial Partners, Anthony Vasquez never loses sight of the fact that clients are entrusting him with their hard-earned money. He works hard to provide efficient and effective retirement planning that empowers Reliance Financial’s clients to think bigger and live better.

Anthony graduated from the University of Southern California and played professional baseball for over 10 years. Anthony has always had a passion for finance, and after seeing the benefits of proper planning in his own life, he was inspired to help provide the same investing and planning experience for others. He currently holds his Series 7, Series 66, and Texas insurance licenses.

Since joining Reliance Financial, Anthony uses his expertise to educate clients about the five worlds of retirement planning and help them find joy, peace, and comfort in retirement. He believes that fortune isn’t a number; it’s about leveraging your time, money, and energy to create happiness for the days and years ahead.

Anthony is a San Antonio native who loves the state of Texas. Away from work, he enjoys spending quality time outdoors with his wife and three daughters. He also pursues a variety of hobbies, including photography, sports, exercise, and playing the piano.

Kathryn
Woodworth

Client Onboarding Specialist

As a Client Onboarding Specialist at Reliance Financial Partners, Kathryn works with the advisory team and carriers to ensure a smooth transition of assets between companies for new and existing clients. She’s dedicated to helping others live life with purpose and happiness.

Kathryn has a bachelor’s degree and career experience in human resources and office management. Her passion is helping others. Kathryn knows that the financial world can be confusing and frustrating and strives to help make it easier to understand and navigate. For her, nothing is more rewarding than helping empower Reliance Financial’s clients to think bigger and live better.

Kathryn lives in San Antonio. She makes frequent trips to her hometown of Houston to visit her family—especially her little nephew. In her free time, she likes to explore and hike new areas with her fiancé, reread books she’s already finished several times over, and have board game nights with friends.

Catalina
Frank

Client Solutions Associate

Catalina coordinates all the details to help create a consistently positive experience for clients in each interaction they have with Reliance Financial Partners. With Catalina handling the little things, clients are free to focus on thinking bigger and living with purpose.

Catalina has a bachelor’s in business and career experience in property and casualty insurance. She holds her property and casualty insurance license and risk management in captive insurance certification.

Originally from Minnesota, Catalina has lived all over Texas. She currently lives in San Antonio, Texas, with her husband, David. Catalina and David love to travel and cook new recipes together. She also loves to stay active by going on runs and walks, going to the gym, and doing Pilates.

Brianna
Duran

Business Development Specialist

Brianna helps clients live on purpose without having to constantly worry about what’s going on with their accounts and finances. As a Business Development Specialist, she focuses on delivering exceptional service to existing clients and fulfilling their service needs.

With years of customer service and leadership experience, Brianna is well-qualified to provide Reliance Financial Partners’ clients with the answers and support they need. Brianna excels at communicating and building relationships. Her goal is to deliver clients an exceptional experience that empowers them to think bigger and live better.

Brianna was born and raised in San Antonio, Texas. She loves to travel, hike, and be adventurous. She also enjoys spending time with family, friends, and her dog, Lucy.

Laura
Dominguez

Compliance Associate

Regardless of the role, Laura has spent her career focused on a desire to help others succeed. Whether it’s working directly with clients or helping colleagues, seeing people learn, grow, and accomplish their goals motivates her to do the same.

Laura’s career experience spans across the fields of training, IT, and finance. As part of our Advisory Solutions team, she attends meetings with our Advisors, listens to clients, and helps organize all the information to create direction and tasks as we work to make our clients’ goals a reality. Her attention to detail and love of documentation are key as she next moves to our Compliance team. Laura is a Notary Public and has her Texas General Lines insurance license.

Laura lives in San Antonio, TX. She is an explorer who enjoys traveling and trying new foods. In her free time, Laura likes to read, volunteer, and spend time with family and her kitty cat.

Celeste
Pich

Client Solutions Associate

Celeste helps clients live on purpose by guiding and supporting them at each stage of their retirement journey. As a client solutions specialist, she has a passion for providing Reliance Financial Partners’ clients and families with the exceptional level of service they expect and deserve.

A key component of Celeste’s role is building and maintaining relationships with clients. She takes pride in helping others achieve their goals and know they don’t need to worry about the future.

Celeste was born and raised in San Antonio, Texas. She’s a dedicated mother to a son. In her free time, she enjoys spending time outdoors as well as volunteering for her community.

Allison
Schoppe

Client Solutions Specialist

Allison helps provide a seamless and efficient onboarding process for new clients, making their experience easy and worry-free. As a client solutions specialist, she loves helping clients feel at ease when planning for retirement so they can spend more time living on purpose and enjoying their retirement.

Allison has her life, accident, and health general lines license and assists people with overall wealth management and retirement. Her motivation is helping clients avoid the strain and worry that comes from not having a retirement plan. She loves setting clients and their families up for success so they can think bigger and live better.

In her free time, Allison likes to attend Texas Longhorn football games and cheer her Longhorns to victory. On a quieter weekend, she also enjoys playing the guitar, taking her two dogs for walks, and watching movies with her boyfriend.

Bianca
Prather

Client Solutions Specialist

Bianca helps provide a seamless and efficient onboarding process for new clients, empowering them to think bigger and live better. As a client solutions specialist, she loves helping create financial plans that make a positive impact on clients’ lives now and throughout retirement.

Bianca lives in San Antonio, Texas, with her husband. In her free time, she enjoys spending time with friends and family and will never turn down a trip to the lake. For Bianca, living on purpose includes serving in ministry with her husband at their church.

Grace
Suchy

Wealth Advisor, CSA®

Grace has found her purpose in helping people accomplish what they once believed was beyond their reach. As a Wealth Advisor at Reliance Financial Partners, her role is richly multifaceted, affording her the opportunity to show up for clients in deeply meaningful ways and empower them to live fully on purpose.

Grace holds a bachelor’s degree in organizational leadership and a master’s degree in public relations. She began her career in banking before transitioning to director of client service at an elder law firm, where her dedication to serving seniors inspired her to earn the Certified Senior Advisor (CSA) designation in 2024. 

Earlier in her career, Grace worked alongside financial advisors and witnessed firsthand how clients could be underserved during the moments they needed guidance most. That experience crystallized exactly the kind of advisor she was determined to become and exactly the kind of firm she was determined to join. At Reliance Financial Partners, she takes great pride in being part of a team that clients can trust without reservation.

Grace resides in San Antonio with her husband, Fred, and their four beloved dogs, Roz, Alfie, Fang, and Rosie. Outside the office, she finds joy in reading, playing the piano, and spending time poolside with her husband and dogs. 

Cynthia
Alvarez

Client Engagement Lead

Cynthia’s dedication to helping others think bigger and live better is her driving force. As the Client Engagement Lead at Reliance Financial Partners, she plays a vital role for both clients and the Reliance Financial team.

Whether it’s coming up with new ways to make experiences better for clients or implementing training, development and communication programs to empower the Reliance Financial team, Cynthia pushes everyone—including herself—to strive for excellence and achieve remarkable results.

Cynthia has a bachelor’s degree in communication sciences and disorders. She’s proud to be part of the Reliance Financial team and to work for a company that always puts their clients first.

In her free time, Cynthia loves to be in nature and to thrift shop. She also enjoys hanging out with her two cats, Beau and Adonis.

Sabrina
Brown

Chief Operating Officer

Sabrina has found her purpose in guiding clients and her team toward a future they can feel confident about. As Chief Operating Officer at Reliance Financial Partners, she oversees the business health and big picture of the firm, ensuring that every operation, relationship, and decision reflects the standard RFP is built on.

With over 14 years of experience working in nearly every role at Reliance Financial Partners, Sabrina brings a perspective that is both deeply rooted and always forward-looking. Her breadth of knowledge, combined with her Series 65 and health, life, and accident licenses, gives her a comprehensive understanding of the firm and the clients it serves. She strives to lead with humility, strength, and ambition, continuously pushing herself and those around her to grow.

Sabrina believes that turning possibility into purpose is not just a tagline. It is a standard she holds herself to every day, in business and in life.

A proud Texan, Sabrina and her husband call La Vernia home, where life moves a little slower and a lot fuller. When she is not at the office, you will find her logging miles as a distance runner, exercising, poolside with her husband, tending to her chickens, or loving on her two Frenchies, mastiff, and a couple of cats. She also gives back to the San Antonio community through volunteer work, driven by the same belief that anchors her career: that people deserve someone in their corner.

Tyler
Dunkelberger

Partner & CCO

Tyler is deeply committed to making sure that clients feel confident in their retirement strategies so they can think bigger and live better. He strives to offer sound financial guidance while keeping things simple.

A second-generation retirement specialist, Tyler entered the financial sector as a full-time financial professional in 2010 and has his Series 65 and health, life and accident licenses. In 2012, he joined forces with his brother, Dana, to help expand Reliance Financial Partner’s business across Texas Hill Country.

Tyler is deeply committed to his clients and the relationships he’s built with them. He travels throughout Texas to meet with clients and continuously learns about updates to policies, rules and market changes in order to offer them optimal products.

Tyler resides in Fair Oaks Ranch, Texas with his lovely wife, Jami, and their two wonderful children. His daughter runs track and his son play baseball. Two Great Danes—Dora and Smooch—complete the family. When Tyler isn’t helping clients, he enjoys spending time with his family, water skiing on the lake, camping, swimming and other outdoor activities.

New Braunfels

Hours

* By Appointment Only

Where

748 W San Antonio St
New Braunfels, TX 78130

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Kerrville Office

Hours

* By Appointment Only

Where

222 Sidney Baker St S
3rd FL, STE 350B
Kerrville, TX 78028

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Dana
Dunkelberger

FOUNDER & CEO

Dana Dunkelberger brings decades of experience as a trusted leader in financial planning and wealth management. As the CEO of Reliance Financial Partners, Dana is passionate about helping individuals and families achieve financial confidence and live intentionally through personalized strategies that align with their goals.

A second-generation retirement specialist, Dana combines deep industry expertise with a personal commitment to guiding clients toward financial security and a meaningful legacy.

When he’s not leading his team or assisting clients, Dana enjoys spending time on lakeside retreats, or tackling escape rooms. His hands-on approach and dedication to excellence make him an inspiring and approachable host for every event.