Do no save what is left after spending, but spend what is left after savings.

– Warren Buffett

Welcome to ESF Wealth Management.
We service a limited number of clients, helping them to identify and achieve meaningful life goals – to experience the full worth of their assets. At ESF, we believe a client’s portfolio must take into account where they are and where they want to go, as well as all of the unique circumstances that apply to their situation.

We take our role as trusted advisor seriously.  We are focused on providing clients with customized investment plans and comprehensive wealth management services.As a registered independent advisor, ESF also serves as a fiduciary, a legal standard by which we must employ the highest standard of care when it comes to advising clients on their money.

Low Cost
We believe everyone deserves sophisticated financial advice. That’s why we don’t have a minimum account size requirement. At ESF, we reward you for smart investing behavior. We strongly believe in passing savings to our clients. More money in your pocket means happier customers.

Cristian Fernandez, MS
Investment Manager

ESF Wealth Management LLC is a private wealth management firm founded and led by Cristian Fernandez. In 1995, Cristian graduated Summa Cum Laude from Johnson and Wales University with a degree in International Business. In 1997, he earned a Masters degree in Finance (graduated Summa Cum Laude) from the University of Houston Clear Lake where he was awarded the prestigious Beta Gamma Sigma’s – Outstanding Business Student Award (April 1997).

He joined J.P. Morgan Chase immediately after college 1997 and left after 15 successful years of service. His last position at the bank was VP Risk Manager for Latin America and Canada. In addition to holding a Series 65 license, Cristian has vast experience with Investment Suitability, Asset Allocation determination and Behavioral Finance. Cristian has lived in the Woodlands since 2006 with his wife and 2 children.

To schedule an appointment to learn more about our services,

call us at: (832) 715-4190

email us at: cf@esfwealthmanagement.com