An Independent Fiduciary Firm

As an Independent Investment Advisor Representative and a fee based fiduciary, as well as a licensed insurance professional with nearly 30 years of experience in the financial services industry, Stephen has received countless hours of training and has experience in many market conditions relating to both the investment and insurance world. His vast experience has also allowed him to train many representatives in insurance, investing and personal finance.

Stephen currently lives in Kerrville in the Texas Hill Country and is happily married to his wife of 35 years. He has two grown sons who are college graduates of Franciscan University and both of whom are also happily married. He is a proud grandfather of three young boys and the newest addition of a sweet granddaughter. He is a member of the Kerrville Chamber of Commerce, an Ambassador with the Kerrville Chamber of Commerce and recipient of the 2018 Ambassador of the year award, a member of Kiwanis, a volunteer with the VA hospital in Kerrville, and is also a graduate of the Kerrville Citizens Police Academy. He is active in his community volunteering his time whenever he can.

Stephen is a sports junkie and enjoys the outdoors, family time and travel.

Company:

Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc.

Advisory Services: Texas, Ca. Il. And NC

Life Insurance: Texas license # 1951404 and CA. license # 0A76213