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Gonzalez Wealth Team

Your Partner in Comprehensive Planning

Our team uses a comprehensive approach to help you answer the two questions that cause investors concern: “Can I achieve my wealth goals?” and “Do I have any financial blind spots?” Our goal is to guide you from the uncertainty of these questions to feeling confident in being able to say, “I have what I need to live the life I want and can sleep at night knowing my family will be okay.”

About Us

We believe that knowing and understanding what your hard-earned money is invested in makes a lot of sense. Because of this belief, we take pride in having a “heart of a teacher” mentality in our wealth management approach. As our aim is not to be your first financial advisor, but to be your last one, we’re confident that, as long as we do what is right for you, your relationship with us will continue and the word will spread.

We help you determine your individual and family goals by discussing where you are today compared to where you would like to be in the future. As part of our comprehensive wealth management approach, we partner with estate planning attorneys, CPAs, and life insurance, disability, and long-term care providers to confirm we have all bases covered when implementing your personalized financial plan. Whether you are an individual in need of pre-retirement or retirement planning, a small business owner or direct sales professional in need of tax or business financial planning, or a recent widow or widower in need of financial guidance and estate planning, we take pride in providing exceptional customer service and forming trustworthy and lasting friendships with our clients.

Above all, we are confident that wherever you are on your financial journey, you will be pleased with our professional wealth management services, up-to-date solutions, and seasoned expertise. 

Meet Our Team

Learn more about each of the dedicated members of the Gonzalez Wealth Team.

Manny Gonzalez
Manny Gonzalez

CFP®

Vice President, SageSpring | 
Financial Advisor, RJFS

210-907-7024

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Jeff Wayne Whaling
Jeff Wayne Whaling

Wealth Advisor, SageSpring | Financial Professional, RJFS

210-907-7025

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Kathleen Kretschmer
Kathleen Kretschmer

Client Operations Associate, SageSpring

210-907-7026

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Theresa Tucker
Theresa Tucker

Client Operations Associate, SageSpring

972-987-1087

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Video Resources

Our Menu of Services

Specializing in retirement planning, comprehensive financial planning for individuals, small businesses, and direct sales entrepreneurs, and helping spouses who have recently lost a partner, our team is equipped to help you accomplish a wide span of financial goals. Learn about our specialty wealth planning services below.

Financial Planning
Our comprehensive financial planning includes a deep dive into your financial needs, along with a personalized, strategic wealth management plan to help you reach your goals.
Asset Management
We take a systematic approach to managing assets on your behalf, mitigating risks, and determining which investments are appropriate for growing your portfolio.
Retirement Planning
As charitable giving is a part of our core values, you can trust our team to help you achieve your philanthropic goals with guidance on a focused approach to charitable giving. From identifying charitable organizations of interest to helping you maximize the impact of your gifts, you’ll be on your way to giving back while making the most tax-efficient choices along the way.
Estate Planning
Though it can be an uncomfortable topic, inheritance and estate planning will be one of the most important things you can do to help protect your assets and help your family avoid unnecessary taxes and potential disagreements in the event that something happens to you. Our team approach can help you with the process of amending or creating an estate plan that truly matches your wishes.
College Planning
With proactive and strategic planning, we can help save you money and stress with college financial planning, pointing your family on the right track for future financial freedom.
Small Business Financial Planning
Owning a small business requires a lot of time and attention to the day-to-day business operations, leaving little time to focus on financial planning. Our team can proactively help you with wealth management guidance, freeing you to focus on your daily business management.
Financial Planning for the Direct Sales Industry
We understand the financial planning intricacies of the niche direct sales industry, so we can provide trustworthy and helpful guidance for direct sales entrepreneurs when it comes to wealth management strategies.
Transitioning Finances Upon the Loss of a Spouse
A sudden loss of a spouse can leave one feeling uncertain about their financial future. We specialize in providing trustworthy financial guidance for widows and widowers to smoothly transition finances upon spousal loss.

20/20 Wealth Vision Planning Process

Our unique, personalized approach to your wealth vision planning establishes a strong foundation for a long-term professional relationship. Through a tailored plan that is specific to your needs, we’ll help you work towards accomplishing your financial goals—now and into the future. Here’s what you can expect when setting up an appointment with our team.

Step 1

We get to know you.
We begin our relationship by getting to know you and truly understanding your financial needs and goals. As we work together to set expectations and review your information together, you’ll leave feeling confident that your best interests will be our top priority.

Step 2

We construct a recommended, personalized plan for you.
As a part of our service commitment to ensure that we deliver services that are in line with your expectations, we will build a personalized wealth management plan that fits your specific needs.

Step 3

We get to work for you by implementing your plan.
After you have a chance to review our recommended strategy and reassess or re-prioritize any necessary goals, we’ll get to work implementing your wealth management plan, setting a schedule to ensure all tasks are addressed in a timely manner.

Step 4

We nurture an ongoing professional relationship.
Our work for you continues on an ongoing basis, as we regularly monitor your plan’s progress, re-prioritizing goals when needed, recommending any necessary adjustments along the way, and helping you mitigate any potential tax burdens through annual reviews and year-end planning.

Connect with Us

SageSpring is invested in more than just your finances. We are invested in you.
Connect with us today, and discover how our unique, holistic approach to financial planning can guide you to long-lasting peace and prosperity.

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Our Location

Frisco Address
2601 Network Blvd.
Suite 101
Frisco, TX 75034

Phone Number
972-987-1202

San Antonio Address
14855 Blanco Rd.
Suite 203 
San Antonio, TX 78216

Phone Number
210-907-7024

Recent Insights

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Women Taking the Reins on Their Finances

March is Women’s History Month, and we want to celebrate the achievements of women around the world. Women are making incredible advancements socially, culturally, politically — and yes, economically. Traditionally, finance is a field that’s

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Disclosure Information

© 2023 SageSpring Wealth Partners. Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC. Privacy Notice: Investment advisory services offered through SageSpring Wealth Partners., an independent registered investment adviser. SageSpring Wealth Partners or dba teams are not registered broker dealers and are independent of Raymond James Financial Services. Representatives may not register to offer securities and advisory services in all states.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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© 2023 |  Associated with Raymond James

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615.861.6100
Theresa Tucker
Theresa Tucker

Client Operations Associate 
972-987-1087 

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Theresa Tucker 

Client Operations Associate 

Theresa Tucker spent much of her career as a Human Resource Specialist. She served as a HR generalist for a national real estate firm, as well as directing HR for the UMG companies.

Theresa serves the Manny Gonzalez Wealth Team as Client Operations Associate. She promotes a hassle-free experience for clients, while preserving the accuracy of their information.

Outside of work, Theresa enjoys camping, hiking, horseback riding, and exploring the great outdoors. Her true joy and fulfillment come from spending time with her family. Theresa and her husband, Steve, have three children and two amazing grandchildren. 

Kathleen Kretschmer
Kathleen Kretschmer

Client Operations Associate, SageSpring 
210-907-7026

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Kathleen Kretschmer 

Client Operations Associate, SageSpring

With a bachelor’s degree from the University of the Incarnate Word in San Antonio, Kathleen Kretschmer has over 10 years of experience in management, leadership, and customer sales and service from her prior roles.

At SageSpring, Kathleen is currently responsible for managing the Gonzalez and Whaling Wealth Teams’ San Antonio office needs to ensure all clients have an exceptional experience. Kathleen also works to improve efficiencies and operations in all aspects of client interactions and is responsible for onboarding new clients, money movement, and account maintenance.

Before joining the team, Kathleen was led to SageSpring as a client, and she loves the company culture. Above all, Kathleen appreciates the company’s core values and that a focus on family is truly important.

Outside of work, Kathleen spends the majority of her time with her three amazing grandchildren and has three children. When not spending time with family, Kathleen enjoys gardening and is an avid sports fan. 

Jacob Washburn
Jacob Washburn

Financial Associate, Southwestern Investment Group Financial Professional, RJFS 
210-899-1702 

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Jacob Washburn  

Financial Associate, Southwestern Investment Group Financial Professional, RJFS 

Originally from Lewisville, Texas, Jacob Washburn made San Antonio his new home after graduating from Texas A&M University in 2019 with a bachelor’s degree in Economics. Prior to joining Southwestern Investment Group, Jacob worked briefly with an insurance group, serving the San Antonio community.

At Southwestern Investment Group, Jacob works alongside his mentor Manny Gonzalez, helping Manny to grow the business. By doing so, Jacob is learning everything he can so that, in a few years, he can start a practice of his own.

On his journey to Southwestern Investment Group, Jacob was approached by a recruiter at his last position with an opportunity that sounded almost too good to be true. After meeting Manny and the Southwestern family, he knew this was the best place for him to start a career and that such an opportunity might never come again.

Jacob’s favorite part of this job is that he can make a significant impact on individuals’ financial literacy. Every day, he is meeting with clients who leave with a better understanding of finances than when they walked in, as well as a plan for how to get to and through retirement.

When not in the office, Jacob loves to spend time with his wife and Australian Shepherd named Cooper. Together, they all enjoy spending a lot of time outside while hiking, fishing, golfing, or just going for a cruise on his motorcycle. 

Jeff Wayne Whaling
Jeff Wayne Whaling

Wealth Advisor, SageSpring | Financial Professional, RJFS  
210-907-7025

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Jeff Wayne Whaling  

Wealth Advisor, SageSpring | Financial Professional, RJFS

Jeff Whaling is a Wealth Advisor for SageSpring Wealth Partners, part of the Raymond James network. He specializes in providing comprehensive financial advice to his clients. This includes strategies for the beginning investor as well as the more sophisticated investor with a more complex investment diversification.

As a part of Raymond James, our team is a group of INDEPENDENT advisors. We have a fiduciary platform and commitment to each and every client. We are focused on the absolute best investment strategies to help you with your financial needs whether it be retirement, tax planning, 529’s, etc.

Jeff’s family is from the area of Helotes, TX. He has 3 children who have attended Helotes Elementary, Kuentz Elementary, Garcia Middle School, and O’Connor High School (all in the Northside Independent School District). Jeff joined the Southwestern Family of Companies by first selling books in college with the company’s summer internship program. After graduating from Oklahoma State University, he became a sales leader with the company and continued helping college students run a successful business, while building communication skills and developing deep, personal growth. These campuses included the University of Oklahoma (where Jeff earned an MBA in finance), University of Arkansas, and many other colleges in the greater Oklahoma area.

He was later invited to join the school fundraising side of Southwestern, Great American Opportunities. He achieved the rank of Vice-President of Experienced Salespeople and was responsible for fundraising professionals all across the country.

After building successful sales organizations over 28 years, Jeff was invited to join SageSpring Wealth Partners (formerly Southwestern Investment Group) to help open the San Antonio office. He enjoys running marathons, playing basketball, and keeping up with the kids activities. He currently has his series 7, series 66, and life and annuity insurance license. He also has an MBA in Finance from the University of Oklahoma. 

Manny Gonzalez
Manny Gonzalez

CFP®

Vice President, SageSpring | Financial Advisor, RJFS
210-907-7024

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Manny Gonzalez 

Vice President, SageSpring | Financial Advisor, RJFS

One extremely important aspect of our team is that we are INDEPENDENT advisors. By being completely independent, our allegiance is with the client and not with any particular product. Rather, we have access to thousands of Mutual Funds, Stocks, Bonds, Certificates of Deposits, Money Market Accounts, Section 529 College Savings Plans, fifty Private Money Management Firms, and thousands of Insurance Products on the market.

Manny grew up in the Hill Country of Kerrville, TX and he attended Texas State University where he graduated with a degree in Finance. Manny first established his relationship with Southwestern by selling books for the company’s summer internship program while attending college. After graduating, he continued working with the Southwestern Company as a sales manager with Southwestern. He helped coach college students on running an effective business, building their communication skills and developing personal growth. He was responsible for hiring, training and managing college students at Texas State University, the University of Texas, UTSA and the University of South Florida.

After building a successful organization over eight years with our parent company, Manny was invited to join SageSpring Wealth Partners (formerly Southwestern Investment Group). Manny currently lives in New Braunfels, TX with his beautiful wife and two young boys. He enjoys spending time playing city league football, classic cars, softball, fishing, hunting, and taking his dog “Dugger” to the park. He currently has his series 7, series 66, and life and annuity insurance license. 

Jeffrey Dobyns
Jeffrey T. Dobyns

CFP®, CLU, CHFC

President, SageSpring | Financial Advisor, RJFS 
615-861-6102

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Jeffrey T. Dobyns

President, SageSpring | Financial Advisor, RJFS

Jeff Dobyns has enjoyed extraordinary success providing comprehensive financial planning to retirees, entrepreneurs, entertainers, and executives by taking the time to truly know his clients, understand their goals and develop and execute their ongoing, strategic, financial plans.

Jeff earned his finance degree in business administration from Ohio University and has held executive positions with financial planning firms for more than two decades. After serving as Vice President of Investments of Lykins Financial Group, CPA’s, in his hometown of Westerville, Ohio, Jeff moved to Nashville, Tennessee to found SageSpring Wealth Partners in 2002. As its President, Jeff has led SageSpring to remarkable success, holding the distinction of being one of Raymond James’ top independent contractor offices, and a member of its Chairman’s Council*, every year since 2008.

Jeff’s true calling, however, is working directly with clients, helping them plan their financial futures in a manner that aligns with their values and helps provide them with financial confidence. To help meet these goals, Jeff leads the team of Dobyns Wealth Team and also incorporates the expertise of attorneys, accountants and other professionals to provide quality financial, tax and estate planning, and ongoing asset and risk management.

As independent advisory businesses, neither SageSpring Wealth Partners nor Dobyns Wealth Team hold any assets on behalf of clients, with such custodial and brokerage services being provided by Raymond James. As a leader in wealth management, Raymond James has an exemplary reputation and today serves more than $930 billion in client assets through 8,200 financial advisors worldwide (as of 9/30/2020).

In order to meet the highest standards of professionalism and ethics in the industry, Jeff is a CERTIFIED FINANCIAL PLANNERTM practitioner**, a Chartered Life Underwriter and a Chartered Financial Consultant. Jeff is also a participant of the Dave Ramsey SmartVestor program.

Jeff’s work and personal life are both guided by his faith and the Christian principles of honesty, generosity, compassion, and integrity. Accordingly, Jeff devotes considerable time and resources to a number of causes, including serving as a board member of Men of Valor, a prison ministry and mentoring program. He is also on the advisory board of The Signatry of Middle Tennessee, which works with families to increase their charitable giving to their favorite causes. Additionally, Jeff is on the advisory board for Halftime Institute, an organization that coaches marketplace leaders to discern and engage in their life purpose. Lastly, Jeff serves on the board of the Legacy Center of Nashville, a collaboration of independent coaching resources. He is a past board member of Porter’s Call, a Nashville charity that provides free counseling for musicians and their families, and the Martha O’Bryan Center, which empowers those in poverty to transform their lives through work, education, employment, and fellowship.

Jeff and his wife, Amy, are raising their family in Brentwood where they are members of the Brentwood Baptist Church, and their children, Gracyn, Hunter, and twins Tanner and Logan, attend the Christ Presbyterian Academy. For recreation, Jeff enjoys hunting, fishing and just being outdoors.

* Membership is based on prior fiscal year production. Re-qualification is required annually.

**Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

SmartVestor is an advertising and referral service for investing professionals (“SmartVestor Pros”) operated by The Lampo Group, LLC d/b/a Ramsey Solutions (“Ramsey Solutions”). Pursuant to an arrangement between Ramsey Solutions, SageSpring Wealth Partners and your advisor, your advisor pays Ramsey Solutions a flat monthly fee to: (a) be a SmartVestor Pro, (b) advertise services through the SmartVestor website, and (c) receive client referrals in the form of an initial introduction to interested consumers who are located in your advisor’s Pros geographic region. SageSpring Wealth Partners does not endorse and are not affiliated with Ramsey Solutions, except with respect to the arrangement described above, and neither Ramsey Solutions nor its agents are officers or employees of SageSpring Wealth Partners. Further, neither Ramsey Solutions nor its agents are authorized to provide investment advice or act in any way on behalf of SageSpring Wealth Partners, except in connection with providing your contact information to your advisor.

Ramsey Solutions’ relationship and agreement is between SageSpring Wealth Partners only. Raymond James Financial Services, Inc. is not affiliated with the solicitor arrangement between Ramsey Solutions and SageSpring Wealth Partners.

Raymond James is not affiliated with any of the organizations mentioned above.