Tess Downing


Complete View Financial LLC

Founder, Lead Financial Planner

Tess Downing


Complete View Financial LLC

Founder, Lead Financial Planner

“My mission is to provide my clients with peace of mind regarding their financial picture so they are able to focus on the things that matter most to them.” - Tess Downing, MBA, CFP®

Fee-Only financial planner located in San Antonio, TX, serving clients locally and across the country

Tess Downing is a San Antonio, TX fee-only financial planner. Complete View Financial LLC provides comprehensive financial planning and investment management services to help young professionals, executives, and retirees organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Tess Downing is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Tess Downing, MBA, CFP® is the founder and lead financial advisor of Complete View Financial LLC. She has worked with individuals and families from all different backgrounds for well over a decade. Her passion for helping people make better money decisions is what lead her to found Complete View Financial LLC.

Tess earned her Master of Business Administration degree from Texas Tech University.  She also graduated magna cum laude with her Bachelor of Science in Personal Financial Planning from TTU.   Before founding Complete View Financial, she worked in the fee-only financial planning and investment management industry with highly reputable firms on the East Coast. 

Tess was named to the Investment News list of “40 Under 40” which features the brightest up-and-coming professionals within the financial advice industry. She has been repeatedly recognized in Northern Virginia Magazine’s list of Top Financial Advisors. Tess has spoken at a number of industry events and is frequently quoted in the financial and mainstream media.

When she is not working with clients, Tess is with her family, her husband and two daughters (3 year old and a 1 year old). Tess and her husband have their hands full and typically have busy weekends with swim parties, ballet, family visits, and movie nights. They love to travel and are now hoping to pass on that passion to their children. When she does manage to escape for a night, Tess enjoys trying the best new restaurants which then necessitates her being a body pump fanatic at her local gym. 

Tess Downing is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Complete View Financial combines top-level experience with industry-leading technology to guide you throughout the complicated journey of finance. By partnering with us, your financial roadmap becomes clear and the stress of wondering if you are making the right decisions will fade away. You’ve worked hard to get where you are and together we will work to understand your dreams, goals, and overcome any fears and roadblocks. We will create a Complete View of your financial picture.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • Tax Planning
  • College Education Planning
  • Cash Flow Planning

Ideal Clients

  • Sales Professionals
  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Professional Women

Working Together

  • Virtual Meetings or In-Person Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Tess Downing is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Tess Downing is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • XY Planning Network
    Tess Downing is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Financial Planning Association
    Tess Downing is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Tess Downing

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Office Locations:

  • 1150 N Loop 1604 Ste 108-235
    San Antonio, TX 78248

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