Our Services
With thousands of financial tools available, and just as many opinions, how do you find the solutions that work together to meet your goals? Fortunately, that’s our job.
Investment Management
We perform investment research, analysis, and daily market measurements to make decisions based on facts—not predictions, emotions, theory, or opinions.
Retirement Planning
Live the retirement you’ve earned—whatever that might mean for you.
Risk Management
What if? What if life takes an unplanned detour? Having a risk management strategy in place is important to protecting your family, employees, business, and future earning potential. We can help.
Estate Planning
As wealth advisors, we often work with clients’ legal teams and other professionals to help ensure that their estate plans will operate as they envision.
Tax Planning
Complete analysis of a financial situation or plan includes tax planning. No one likes to pay taxes, so we can help ensure that your plan works as tax-efficiently possible.
Business Planning
Business owners can make better decisions with the help of an objective financial perspective. When you want to minimize financial risk or prepare for key business transitions, you don’t have to do it alone.
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The Aspect Team
More than just accomplished professionals, everyone at Aspect is also an incredible person.
Michael Clark, CIMA®, CRC®
President and Managing Partner
Michael Clark, CIMA®, CRC®
“I love analysis and problem-solving, but perhaps even more, I gain tremendous satisfaction in serving. Each day offers opportunities to serve clients—drilling down deep into what’s important to them, finding the right solutions for them, and celebrating when they succeed. There are strong bonds of trust and mutual respect between us. I’m grateful for the relationships we have with our clients.”
Michael Clark founded Aspect Wealth Management in 1997 after a ten-year career with Salomon Smith Barney. Today he serves as Managing Partner, overseeing the firm’s growth, strategy, and client relationships. Previously he served as an economic analyst and management advisor for the U.S. government and private industry. He also spent seven years as an Economics and Finance faculty member for the University of Texas at San Antonio.
Michael is a distinguished graduate of the United States Air Force Academy, where he received a Bachelor of Science degree in Operations Research and Management. He was nominated to receive a Fulbright Scholarship, and went on to earn a Master of Science degree in Industrial Engineering and Economics from George Washington University in Washington, D.C. He earned the Certified Investment Management Analyst (CIMA®) professional designation after completing the Wharton School of Business Investment Management Analyst program. Michael also holds a Certified Retirement Counselor® (CRC®) certification from the International Foundation of Retirement Education® and is a Registered Principal with Cetera Advisor Networks LLC.
Bilingual in Spanish, Michael enjoys traveling with his family; together they have participated in numerous mission trips to Peru and Mexico. He is an avid fisherman, loves bird hunting and golf, and is a wine enthusiast. Michael is active or has served in a variety of professional and charitable organizations including:
- Chairman of the Board, Lumerit Education
- Chairman of the Board, Spirit of Elijah Ministries
- International Foundation of Employee Benefit Plans
- Investment Management Consultants Association
- American Heart Association Board of Directors
- Southwest Foundation Founder’s Council
- Founding member, Alamo Executives Association
Zachary Clark, CFP®
Vice President and Financial Advisor
Zachary Clark, CFP®
"I love the relationship aspects of what we do. I'm honored to be able to help people walk through financial complexities and replace their concerns with clarity and a vision."
Zack is a Partner and Financial Advisor at Aspect Wealth Management, a firm committed to providing comprehensive and personalized financial guidance to its clients. With a bachelor's degree in business administration from Thomas Edison State University, he has laid a strong foundation for his career in finance.
After completing his Certified Financial Planner™ program and obtaining his securities registrations, Zack joined the team at Aspect Wealth Management Advisor team. In this role, he works closely with complex client relationships, helping them navigate the intricacies of financial planning and investment management. His expertise and dedication have earned him recognition as a trusted advisor among his clients.
In addition to his role as a Financial Advisor, Zack serves as a Regional Director with Cetera Advisor Networks LLC. In this capacity, he leverages his knowledge and experience to support the growth and development of the firm, while also ensuring the delivery of top-notch financial services to clients.
Outside of his professional life, Zack is a devoted family man. He and his wife are blessed with two sons, whom they adopted from Ukraine in early 2021. Together, they enjoy spending time outdoors, engaging in activities such as hunting, fishing, and playing basketball. A coffee connoisseur, Zack enjoys exploring new flavors and roasts, and he is always eager to share his knowledge and passion with others.
Zack's commitment to his clients and his profession extends beyond his work at Aspect Wealth Management. He is actively involved in mentorship roles, assisting young professionals in their journey to success within the financial services industry. He also supports his wife in her non-profit organization, GirlDefined, which focuses on empowering and educating young women.
Zack brings enthusiasm and dedication to his work, helping clients achieve their financial goals and secure their financial futures.
9311 SAN PEDRO AVE., STE 750, SAN ANTONIO, TX 78216 TEL 1-877-702-7732 FAX 210-268-1560 ASPECTWEALTH.COM
Investment adviser representative offering securities and advisory services through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC, a Broker/Dealer and a Registered Investment Adviser. Cetera Advisor Networks LLC is under separate ownership from any other named entity. CA insurance license #4086170.
Jane Weekley
Financial Advisor
Jane Weekley
“I love what I do—taking my interest and experience in investments and using it to help clients realize their potential and their visions for the future.”
Jane Weekley is a Financial Advisor at Aspect Wealth Management and an Investment Advisor Representative with Cetera Advisor Networks LLC. She provides a disciplined financial planning process to help individuals and families accumulate, preserve, and protect their wealth. Jane was a founding member of The Trust Company, N. A. in San Antonio where she also served as a trust administrator and marketing officer. Prior to Aspect, Jane served as a Financial Consultant at Salomon Smith Barney in San Antonio. Before moving to Texas, Jane worked as an asset manager for 15 years in the real estate investment banking division at UBS Asset Management (formerly Chase Investors Management Corporation) in New York.
Jane graduated from The University of Texas at Austin with a Bachelor of Science degree. She also earned a Master of Business Administration degree in finance from Fordham University, New York, New York. She also holds a certificate from The Texas School of Trust Banking, Texas Bankers Association.
Jane has served in organizations including:
- HeartGift San Antonio, Board of Directors
- Masters Leadership Program of Greater San Antonio
- San Antonio Estate Planners Council
- The Oakes Club
- Rotary (Downtown Association)
- The Junior League of San Antonio
- Cancer Therapy & Research Center Council
- Southwest Foundation for Biomedical Research
Denise Salzman, CPA
Financial Advisor, Director of Operations
Denise Salzman, CPA
“My favorite thing? Working with people! From corporate roles, through consulting engagements to working one-on-one personally with clients, it’s so satisfying to come into a situation that is complex or stressful for others and structure solutions that restore their confidence, reduce their stress, or improve their capabilities.”
Denise serves a dual role, as a Financial Advisor, as well as the Director of Operations at Aspect. Her clients have primarily come from relationships built during her corporate consulting and leadership career. She has a special affinity for working with those who may not recognize how strong and successful they can be... teaching them, building their confidence in their financial decisions, and encouraging them to move forward boldly in life and in their own knowledge and abilities, all within the protective shelter of the combined Aspect Wealth Management team's guidance. Operationally, Denise has responsibility for streamlining and standardizing processes and systems in order to ensure that we keep our promises to clients and to build capacity for growth. Prior to Aspect, Denise consulted for companies in financial services, healthcare, energy, real estate, entertainment, and IT, providing strategic planning, financial and operational guidance, and helping them address seemingly unresolvable situations. Previously, Denise was CFO and Director of Shared & Support Services for St. Peter-St. Joseph Children’s Home, growing the budget through building relations with key stakeholders, strengthening the Board's and stakeholders' trust and confidence in the organization by implementing controls, improving the quality and timeliness of reporting, building and adhering to strong financial plans, and establishing consistency and reliability by automating systems for several key processes. Denise is a Certified Public Accountant and holds her investment securities licenses. She graduated from Texas State University with a Bachelor of Science degree in Management.
Outside of the office, Denise and her family can be found wherever there is water—liquid or solid. They spend time at Lake LBJ, boating and water skiing, and on the ski slopes in the winter. Denise also has volunteered for several nonprofit organizations that mentor kids at risk. She is a Board Member at the San Antonio Parks Foundation and has also served at:
- The Saddle Light Center
- Texas Society of Certified Public Accountants
- American Institute of CPAs
Justin Horsman
Financial Advisor
Justin Horsman
“I find joy in both the process and the outcomes achieved through simplifying the complex. It’s a unique privilege for me to work every day, striving to deliver the most satisfying experiences and optimal results possible for our clients!”
Justin considers it a privilege to serve as a Financial Advisor at Aspect Wealth Management, finding joy in partnering daily to delivery exceptional experiences and personalized outcomes for each client.
Before joining Aspect Wealth Management, Justin earned his BA degree from Thomas Edison St. College (Suma Cum Laude). Over the past two decades, he has led, built, and grown businesses and teams, specializing in delivering excellent results and customized experiences at H-E-B, Home Depot/Blinds.com etc. Thriving in complex evolving environments, Justin excels with attention to detail, essential communication, and a passion for developing strong, long-lasting relationships.
Beyond work, Justin immerses himself in creating precious moments with his wife, Bethany, and their four lively kiddos. He actively ministers in their vibrant church community, dedicates time to volunteer in youth political leadership training, enjoys sports like golf and skiing, and passionately pursues becoming a more knowledgeable foodie and wine connoisseur!
A resident of Texas since 2007, Justin has been actively involved or served in various professional and community organizations, such as:
- TeenPact, Board Member (youth political and leadership training)
- FEAST, Board Member (San Antonio area educational organization)
- THSC, Advisory Board Member (TX home schooling state organization)
- Presidential Volunteer Service
- BSA (Boy Scouts of America)
Evita Hernandez
Senior Client Services Associate
Evita Hernandez
“I enjoy managing the different aspects of setting up new accounts, efficiently addressing client requests and training opportunities with the team, which keep us meticulous in our business.”
Evita serves as Aspect’s Senior Client Services Associate supporting the firm’s advisors with account creation, fund transfers and account maintenance. Leading the front lines in client services, she is focused on providing each client with a personalized experience amidst avid collaboration with Cetera Advisor Networks, Pershing and other involved firms modeling top tier service to ensure accuracy for each account. She thoroughly explains information required to prepare client paperwork, seeing the process through fruition, all the while liberally doling out to everyone she communicates with huge portions of “the AWM love”. Having a seasoned resource like Evita helps bring clarity in what can seem like a complicated process.
Prior to moving to San Antonio and joining Aspect, Evita served as Vice President and Trust Officer for Border Capital Bank (formerly McAllen National Bank) for 10 years, though her knowledge with personal trusts, irrevocable life insurance trusts (ILIT), court-created trusts and employee benefits was obtained while she was part of J.P. Morgan Chase Private Banking in McAllen. She is also fluent in Spanish.
Most evenings, after Evita gets off work, she reverts to her medical training days as she administers home hemodialysis to her husband. She loves spending time with family and friends as well as reading fictional books, plus what her family calls Evita’s “no-nonsense” books. She can be found dabbling at sewing, gardening, creating gifts for her family or trying out new recipes on the weekends.
Chip Tencza
Registered Representative, Operations Analyst
Chip Tencza
“I enjoy approaching every day with a smile and the knowledge that ‘whoever refreshes others will be refreshed.’ Nothing brings more joy than helping other people achieve.”
Chip helps lead the operations at Aspect Wealth, which is his primary role within the firm, but not the only one. His responsibilities include creating reports and controls to ensure that promises made to clients are kept, developing and improving procedures, and performing analysis. He also works with clients, acts as liaison with the broker-dealer, communicates with representatives from the external investment provider, and occasionally lifts heavy objects or procures items stored in high places within the office. Prior to Aspect, Chip worked at USAA in several different roles including broker, business analyst and project manager. During his career, he has traded fixed income, provided predictive analysis for leased aircraft engines, and worked with small companies to issue stock offerings.
Chip graduated from Texas State University with a Bachelor of Arts degree in Mass Communications and is a certified Six Sigma Black Belt.
As an advocate of education, Chip has served in different capacities to support the United Way of San Antonio, including corporate volunteer recruitment, contribution goals, and acting as Santa Claus. He has participated in the South Texas Junior Achievement Bowl-A-Thon.
In addition to enjoying time with his wife and family, he enjoys travel, bowling, reading, and keeping up with his favorite football team, the Minnesota Vikings (since the 1970’s).
Ghilda G. Rodríguez
Senior Office Administrator
Ghilda G. Rodríguez
“I absolutely enjoy opportunities where I can get to know and serve people while finding unique ways to make each client feel appreciated.”
Ghilda serves as Aspect’s Senior Office Administrator, where she plays a crucial role in maintaining accurate records, compliance requests, developing system improvements and providing client and office support to everyone who visits the office. In addition to maintaining client and office information, scheduling meetings, and coordinating delicious snacks, Ghilda basks in all the financial knowledge and experience the team offers.
While a San Antonio native, she also spent part of her life in Dallas, TX, where she graduated with a Bachelor of Arts in Public Relations from the University of North Texas. In Dallas she gained experience in customer, writing projects, layout & design creation, and managing sales travel events.
Ghilda enjoys exploring new hot spots near and far to quench her foodie spirit with family and friends, especially because travel allows her to build up her trilingual skills in Spanish, English and French. She is an avid reader, loves hiking and kayaking, and enjoys volunteering in local events, yet if you are looking to find Ghilda, you are most likely to find her at a soccer game, orchestra events--getting entertained or serenaded by her sons, or near the heat, crafting savoury dishes, some spicy enough to scorch taste buds.
Paola Garza
Office Administrator, Event Coordinator
Paola Garza
“I love serving people and making them feel appreciated. We truly have the best clients, and it is an absolute blessing to be part of the Aspect Family.”
Paola is instrumental to Aspect’s office operations, managing everything from phone calls, preparation for client meetings, and event coordination, to diligently supporting advisors and improving processes. She started as an intern in April of 2023 and joined the Aspect family after graduating from the University of Incarnate Word with a Bachelor of Arts in Business with a concentration in Finance.
Originally from Monterrey, Nuevo Leon, Mexico, Paola moved with her family to New Braunfels, TX, in 2012 and quickly adapted to American culture, serving as the family liaison at school and managed the family finances. She is a soccer and football fan who can be found at soccer matches with her sisters or watching a football game with her brother. In her free time, she enjoys travelling to Gulf Shores, Alabama in true Swiftie mode. Her love for Texas continues to deepen as she explores local hot spots, enjoying a cup of coffee with friends.