--- title: PAX Financial Blog | David Alvarez description: David Alvarez, CFP, is the son of Armando and Teresita Alvarez, both of whom immigrated to the U.S. from Cuba as children in 1962. David grew up in San Antonio, attending St. Gregory the Great Catholic School and Antonian College Prep. Following high school, David went to Northwestern University where he studied Economics and History, played baseball and met his wife, Meredith. After more than a decade spent in New York and Chicago, they moved back to San Antonio in 2012. David and Meredith have two boys, two dogs and no idea what they will do if their house is ever quiet. --- - [About PAX](https://paxfinancialgroup.com/about-pax/) - [About PAX](https://paxfinancialgroup.com/about-pax/) - [Are We Right For You?](https://paxfinancialgroup.com/are-we-right-for-you-pax-financial-group/) - [Awards and Recognition](https://paxfinancialgroup.com/about-pax/awards-and-recognition/) - [Our Team](https://paxfinancialgroup.com/about-pax/our-team/) - [What We Do](https://paxfinancialgroup.com/what-we-do/) - [What We Do](https://paxfinancialgroup.com/what-we-do/) - [Financial Planning](https://paxfinancialgroup.com/financial-planning/) - [Investment Management](https://paxfinancialgroup.com/investment-management/) - [Retirement Planning](https://paxfinancialgroup.com/retirement-planning/) - [Retirement Plans for Business Owners](https://paxfinancialgroup.com/retirement-plans-for-business-owners/) - [Insurance](https://paxfinancialgroup.com/insurance/) - [Who We Serve](https://paxfinancialgroup.com/who-we-serve/) - 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But what are your expectations for your financial investments?... 4 minute read [Read More](https://blog.paxfinancialgroup.com/how-to-calculate-your-investment-performance-expectations-10-things-to-consider) [Financial Planning](https://blog.paxfinancialgroup.com/tag/financial-planning), [risk management](https://blog.paxfinancialgroup.com/tag/risk-management) ## [Time in the Market Vs. Timing the Market: Investment Firm in San Antonio Weighs In](https://blog.paxfinancialgroup.com/time-in-the-market-vs-timing-the-market-investment-firm-in-san-antonio-weighs-in) “Time in the market” and “timing the market” may sound like basically the same thing, but they are... 4 minute read [Read More](https://blog.paxfinancialgroup.com/time-in-the-market-vs-timing-the-market-investment-firm-in-san-antonio-weighs-in) [retirement](https://blog.paxfinancialgroup.com/tag/retirement), [financial advisor San Antonio](https://blog.paxfinancialgroup.com/tag/financial-advisor-san-antonio) ## [5 RETIREMENT DECISIONS YOU CAN'T UNDO](https://blog.paxfinancialgroup.com/5-retirement-decisions-you-cant-undo) You’ve probably heard the expression, “You can’t uncrack an egg.” It might be silly, but it’s true,... 5 minute read [Read More](https://blog.paxfinancialgroup.com/5-retirement-decisions-you-cant-undo) [retirement](https://blog.paxfinancialgroup.com/tag/retirement), [financial advisor San Antonio](https://blog.paxfinancialgroup.com/tag/financial-advisor-san-antonio) ## [Retiring Before Your Spouse? 5 Issues to Discuss](https://blog.paxfinancialgroup.com/retiring-before-your-spouse-5-issues-to-discuss) There was a time once when it was common – expected, even – for a married couple to retire at the... 4 minute read [Read More](https://blog.paxfinancialgroup.com/retiring-before-your-spouse-5-issues-to-discuss) [Financial Planning](https://blog.paxfinancialgroup.com/tag/financial-planning), [financial advisor San Antonio](https://blog.paxfinancialgroup.com/tag/financial-advisor-san-antonio), [estate planning](https://blog.paxfinancialgroup.com/tag/estate-planning) ## [Common Estate Planning Questions: How to Pass a Business on to the Next Generation](https://blog.paxfinancialgroup.com/common-estate-planning-questions-how-to-pass-a-business-on-to-the-next-generation) For a lot of business owners, their exit plans involve leaving their company to their children and... 5 minute read [Read More](https://blog.paxfinancialgroup.com/common-estate-planning-questions-how-to-pass-a-business-on-to-the-next-generation) [retirement](https://blog.paxfinancialgroup.com/tag/retirement), [financial advisor San Antonio](https://blog.paxfinancialgroup.com/tag/financial-advisor-san-antonio) ## [You’ve Made it to Retirement! How a Financial Advisor Can Help with the Transition](https://blog.paxfinancialgroup.com/youve-made-it-to-retirement-how-a-financial-advisor-can-help-with-the-transition) Are you looking retirement dead in the face? Ready to trade in your work tension for a retirement... 4 minute read [Read More](https://blog.paxfinancialgroup.com/youve-made-it-to-retirement-how-a-financial-advisor-can-help-with-the-transition) [Financial Planning](https://blog.paxfinancialgroup.com/tag/financial-planning), [retirement](https://blog.paxfinancialgroup.com/tag/retirement), [holistic financial planning](https://blog.paxfinancialgroup.com/tag/holistic-financial-planning), [financial advisor San Antonio](https://blog.paxfinancialgroup.com/tag/financial-advisor-san-antonio) ## [To Refi or Not to Refi? What to Consider](https://blog.paxfinancialgroup.com/to-refi-or-not-to-refi-what-to-consider) Mortgage payments are one of the biggest monthly expenses in most households, so it makes sense... 4 minute read [Read More](https://blog.paxfinancialgroup.com/to-refi-or-not-to-refi-what-to-consider) [Financial Planning](https://blog.paxfinancialgroup.com/tag/financial-planning), [retirement](https://blog.paxfinancialgroup.com/tag/retirement), [financial advisor San Antonio](https://blog.paxfinancialgroup.com/tag/financial-advisor-san-antonio) ## [10 Ways to Support Family Members Without Risking Your Retirement](https://blog.paxfinancialgroup.com/10-ways-to-support-family-members-without-risking-your-retirement) Do you have that one person in your family who always comes to you for money? It seems like the... 5 minute read [Read More](https://blog.paxfinancialgroup.com/10-ways-to-support-family-members-without-risking-your-retirement) [Financial Planning](https://blog.paxfinancialgroup.com/tag/financial-planning) ## [Why You Should Pay Off Your Mortgage Early (And How to Do It)](https://blog.paxfinancialgroup.com/why-you-should-pay-off-your-mortgage-early-and-how-to-do-it) At PAX Financial Group, we incorporate Dave Ramsey’s philosophies into our coaching, and one of... 4 minute read [Read More](https://blog.paxfinancialgroup.com/why-you-should-pay-off-your-mortgage-early-and-how-to-do-it) Prev [1](https://blog.paxfinancialgroup.com) [2](https://blog.paxfinancialgroup.com/author/david-alvarez/page/2) [Next](https://blog.paxfinancialgroup.com/author/david-alvarez/page/2) ## Ready to have a real conversation about securing your future? ### Schedule a free no-strings-attached phone conversation. 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We’re more than just financial advisors, we’re life advisors! Locally owned and independent, our advisors are deeply committed to helping you achieve your vision of financial success. We offer holistic financial assessments, investment management and insurance all in one place, with simple, all-inclusive pricing. [Talk To Us](https://info.paxfinancialgroup.com/contact-us-pax-financial-group) Contact Info ##### San Antonio Office: | Address: | 270 N Loop 1604 E, Ste. 200 San Antonio, TX 78232 | | --- | --- | | Phone: | [(210) 881-5700](tel:(210)8815700) | | Fax: | [(210) 881-5698](tel:(210)8815698) | [![pax-facebook](https://blog.paxfinancialgroup.com/hubfs/PAX_Financial_Group_April2023/image/pax-facebook.svg)](https://www.facebook.com/paxfinancialgroup) [![pax-linkedin](https://blog.paxfinancialgroup.com/hubfs/PAX_Financial_Group_April2023/image/pax-linkedin.svg)](https://www.linkedin.com/company/pax-fg-llc) Investment Advisory Services are offered through PAX Financial Group This site is published for residents of the United States only. Investment Advisor Representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered or qualifies for an exemption or exclusion from registration requirements. 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