About AFCO Financial Services
Experienced guidance, thoughtful planning, and a coordinated approach.
Meet Roberto Garza
Roberto Garza is the founder of AFCO Financial Services, bringing together experience in commercial real estate finance, real estate investment, business consulting, and insurance under one professional platform. He holds a Texas license for life, disability, and health insurance and Medicare-related services.
Roberto’s approach is shaped by a fundamental understanding: important financial and business decisions rarely exist in isolation. Financing affects cash flow and investment strategy. Real estate decisions influence long-term financial objectives. Business growth creates new opportunities, but it also brings new responsibilities and risks that must be considered.
By working across these disciplines, Roberto helps business owners, real estate investors, and individuals evaluate opportunities, understand their options, and make informed decisions with a broader perspective.
His approach is direct, analytical, and practical. He believes clients deserve clear information, an honest assessment of their options, and recommendations grounded in their objectives—not a one-size-fits-all solution.
As founder, Roberto remains personally involved in guiding client relationships and key decisions, supported by a team that helps coordinate the details and move each engagement forward.
AFCO Financial Services reflects that philosophy: experienced guidance, thoughtful planning, and a coordinated approach to capital, property, business strategy, and financial protection.
What we do
Commercial Lending
Financing solutions for commercial real estate, investment properties, and business opportunities.
Real Estate
Commercial property acquisitions, dispositions, and real estate investment opportunities, including guidance for inherited property heirship situations and planning next steps.
Consulting
Financial advisory, business strategy, sales performance, and operational improvement for businesses and for individuals.
Insurance
Life, disability, annuities, health, and Medicare solutions tailored to individual needs and financial goals.
Straight Answers
Clear options, sound analysis, and straightforward recommendations so you can make informed decisions.
Direct Access
Work directly with Roberto, backed by a dedicated support team focused on coordination, communication, and follow-through.