Tess Downing is the founder and lead financial advisor of Complete View Financial LLC, a fee-only financial planning firm based in San Antonio, Texas. With nearly two decades of experience in helping individuals and families make informed financial decisions. Tess holds a Master of Business Administration (MBA) degree from Texas Tech University and graduated magna cum laude with a Bachelor of Science in Personal Financial Planning from the same institution. Before establishing Complete View Financial LLC, Tess honed her expertise with top-tier fee-only financial planning and investment management firms on the East Coast, where she gained invaluable experience working with a diverse range of clients.

Recognized for her leadership in the financial advisory field, Tess was named to InvestmentNews' prestigious “40 Under 40” list, which highlights the most promising young professionals in the industry. She has also been repeatedly honored in Northern Virginia Magazine's list of Top Financial Advisors. Tess is a member of various groups within the industry focused on growing knowledge within financial planning. She attends industry conferences such as XYPN Live and the DFA Investor Symposium. She is frequently quoted in both financial and mainstream media, where her expertise offers valuable insights to a wide audience.

Tess’ true passion lies in helping individuals and couples transition into their ideal retirement lifestyle. She is deeply committed to guiding clients through every stage of their financial journey—from building wealth to navigating retirement and leaving a lasting legacy. Tess prides herself on offering a holistic approach to financial planning, ensuring her clients live better, retire confidently, and create a legacy they can be proud of.

Outside of work, Tess enjoys spending quality time with her husband and two young daughters. Their weekends are often filled with family activities such as swim parties, ballet recitals, family visits, and movie nights. A passionate traveler, Tess is eager to share her love of exploration with her children, instilling in them a curiosity for the world around them.