Top Ten Financial Advisors in Albuquerque, New Mexico

Financial Advisors in Albuquerque

Hiring a firm, or trusting an individual within a firm of Financial Advisors in Albuquerque, to invest and protect your money for retirement or wealth accumulation is a big decision. Knowing what asset management company or wealth advisory service to hire can be a tough decision to make. How do you know your money is in the right hands? How do you know about their fees and how it affects your retirement or savings long term? In the financial planning business, reputation is one thing. But the philosophy and how they go about managing your portfolio is much more important.

Many seek the advice of a financial planner to navigate sudden changes in life such as marriage, divorce, death or switching a career. Selling a business can often result in needing a new approach, with a good business broker and a financial planner needed to take the seller to the next level of success.

Every stage of life calls for a different approach to saving and planning. If one started investing at age 21, the needs of that person are drastically different than one who starts at 65 years of age. The approach, how aggressive the investment portfolio is and the current income of the different individuals, are all things to consider. Many options are available for those who wish to invest and plan for a final destination—whether it’s freedom from the work force or for a very comfortable eventual retirement. The success or failure to reach the ultimate destination largely depends on the firm chosen and the performance of their services. Let’s not forget that the political climate, the state of the economy and how dedicated the investor is at staying with the market ups and downs are factors that can impact the lifetime results of your long-term financial strength.

Financial planning can be accomplished in several ways. Signing up with an online do-it-yourself investment company is one way. Another is to hire an actual advisor. Both strategies come with their pros and cons.

An online do-it-yourself firm lets you do it without human advice and usually comes with a lower price or cost to invest. After all, another human is not paid for doing research or making transactions in the investment. The option of hiring a wealth manager or financial planner comes with higher costs, but proven to have more lucrative results. Analysts say you can anticipate 2% to 4% higher results when you have direct involvement of an active financial planner versus going it alone.

What Will That 2% or 4% Cost?

Hiring a financial planner comes with greater returns but at higher costs? At which point is it beneficial? To know that, it’s crucial to understand how your advisor makes money. It will determine how they work to make you money. Which means it is important to understand the various options and payment structures. Here are the most common choices:

Hourly: The investor is charged for time use on his behalf, regardless of assets.
Retainer: A scheduled (usually monthly or annual) fee makes the Financial Advisor available, on-call for the advisory services the retainer covers.
Flat fees: A set price for financial planning and asset management services. The fees have nothing to do with the amount of the investor’s account, big or small. It’s like ordering off a menu of services.
Commission: The financial advisor receives a percentage of the money spent buying high-performing investments, usually charged per transaction.
Asset management: The investor is charged a fee based on how much money is invested and fees usually are paid directly from the investor’s account.

If a financial advisor is less motivated to make you more money—for example, an hourly fee—that advisor is more likely to spend time on another account. They make more money the more investments and assets grow in an Asset Management account. But also be aware that conflicts of interest can arise, depending on the fee structure. For example, advisors in Albuquerque, NM might move money around needlessly if they get a flat fee per transaction. Taking a portion of the growth of the investment (commissions) may encourage more thoughtful transactions.

Financial Responsibility

How do you know an advisor isn’t pushing you into investments that benefit someone else’s interests more than your own? Be sure to ask a financial planner you plan to work with, “Do you have a fiduciary responsibility to my investments?” The question will tell you if he is licensed* or not. If he is, that means the financial planner must invest in your best interest first, even if it doesn’t benefit the financial planner. They are bound by ethics and regulations to do so. If the planner is not operating with a strict sense of fiduciary responsibility, he could lead you down a path that has more risk. But that riskier path can also offer a higher pay off for you, as well as him. Who can say which choice is better? It would be hard to determine. Safer? Or bigger and better results? Like anything else, depending on your unique situation, you may be wise to try it both ways to find which approach is better. The wisest course? Get to know your financial planner and make sure you feel comfortable with the road he or she has planned for you, tailored to the results you desire.

The following are the best financial planners in Albuquerque, NM

John Moore & Associates

editors choice“Money can’t buy happiness” is the unofficial motto at John Moore & Associates. It’s not typical but it’s a principle John Moore & Associates passionately stand behind. No matter how much you have it can only go so far. This financial planning company is devoted to growing their clients’ capital to its utmost potential, but also investing in assets the clients value.

John Moore founded the firm in 1997 to serve his community and help that community serve others through causes that mattered to them. His stewardship, refined partially by his military experience, instilled a strong sense of discipline and strategic thinking and the firm uses those skills to develop strategies tailored to the meet needs of each client.

John Moore & Associates are rooted in values that serve as a foundation for how the treat clients. They walk the talk, knowing actions speak louder than words. The worldview of a financial planner matters because it affects their perception of money’s purpose and potential. The firm’s financial planners and investment professionals give the highest level of technical expertise with principled counsel.

The firm is also completely transparent about the costs associated with their services. Account statements clearly show how each fee is calculated. They strongly believe long-term relationships are more important than short-term profits and their treatment of clients and team members reflects that. They strive to be good citizens, investing time in projects that benefit the communities they serve. Team members find a civic endeavor that inspires them and volunteer to help and the firm supports these efforts.

John Moore & Associates

8220 San Pedro Dr. NE Suite 310
Albuquerque NM 87113

Portfolio Wealth Advisors

Portfolio Wealth Advisors is fee-only financial advisor firm, which means that all of the firm’s income comes from client-paid fees. Neither the firm nor its advisors receive any third-party commissions for anything. Founded in 2008, the firm has a $250,000 minimum asset requirement for new clients and offers investment management, estate planning and insurance services to its client base. Lee Munson, founder and sole owner of Portfolio Wealth Advisors formed the firm to fill the service void in wealth management. Simply put, the investor should realize the most wealth increase possible, while avoiding complexity.

Lee rattles the cages of those who prefer a wealth management model less user-friendly to investors and his dedication to clients is unparalleled and the results prove their trust is well placed.

Portfolio Wealth Advisors uses a combination of fundamental analysis and technical analysis to evaluate investment risk and opportunity. Clients’ assets are invested in a mix of mutual funds, exchange-traded funds (ETFs), stocks and bonds, specific to each client’s financial goals and objectives, time horizon, cash flow needs and risk tolerance. Portfolio Wealth Advisors approach to wealth management by customizing a program to achieve those unique investment goals. Constant market monitoring and adjustments maximize the potential to meet investment goals and the firm’s unique compensation model allows client’s to keep more of their earnings.

Portfolio Wealth Advisors
6100 Uptown Boulevard
Suite 540
Albuquerque, NM 87110

Oakmont Advisory Group

Oakmont Advisory Group is a financial advisory firm that serves clients of all asset levels and at all stages of retirement planning. They offer a comprehensive suite of services that, when applied to unique retirement scenarios of each client, ensures that they will feel confident in their financial future. Investment advisors work in close partnership with clients evaluating risk tolerance, portfolio performance, and long-term retirement income goals. They help build a customized investment strategy that lets clients enjoy life while building toward the retirement they dream of.

Oakmont has a rich history spanning nearly half a century. Its founder, Ralph Hicks, has navigated every kind of market condition, celebrating client’s great victories, and guiding them through the market’s worst downturns. His knowledge and experience is an invaluable resource for employees and clients alike, providing deep insight to Oakmont’s goal-driven financial planning strategies. By educating and empowering clients to effectively manage finances, the Oakmont team helps clients achieve their financial goals before and after retirement. For nearly 50 years ago, Oakmont has helped countless investors control their financial future, find peace of mind in retirement and live the life they’ve always dreamed of. The firm draws on the collective knowledge of its past, leverages the cutting-edge investment strategies of today, and with its loyal clients, looks toward a bright future for tomorrow. Oakmont is a fee-based financial planning firm focused on serving pre-retirees and retirees who want to design their ideal retirement rather than just grow their portfolios. The firm is committed to always putting their clients’ best interests first.

Oakmont Advisory Group
2001 Carlisle Blvd NE Ste D
Albuquerque, NM 87110
(505) 821-6966

Steve Lynch Wealth Management

For 30 years, Steve Lynch Wealth Management has been helping families, individuals, and businesses plan for their financial and retirement goals. The firm works hard to make this complicated process as simple as possible and works alongside clients every step of the way to help them make the right decisions to meet their goals.

Steve Lynch Wealth Management advisors believe everyone can benefit from a little money management and planning. Steve Lynch and his team have the unique knowledge, training, and experience to provide a level of financial guidance that changes how clients handle their money, and ultimately, improve their lives. From wealth management to planning for the unexpected, the financial advisors at Steve Lynch Wealth Management know there’s no better time to take control of the future.

Saving money for a rainy day is one thing. Saving money to retire with confidence—that’s something else entirely. More and more people are working far past retirement age because they can’t cover monthly expenses. At Steve Lynch Wealth Management, the goal is to help people plan early, save often, and create a financial future that allows them to retire comfortably. They work to understand their client’s goals, budget, and lifestyle. That enables them to create a plan that fits each client’s specific needs. financial planning, retirement planning are complicated. The team takes pride in making it easier. Clients are the CEOs and Steve Lynch Wealth Management is the CFO who helps ensure client’s make proper decisions and investment choices.

Steve Lynch Wealth Management
6605 Uptown Blvd NE Ste 290
Albuquerque, NM 87110
(505) 881-7526

REDW Wealth, LLC

REDW Wealth, LLC was founded in 1997 as a fee-only firm, which means all compensation comes from client-paid fees, not third-party commissions. While the firm does not state a minimum investment in its SEC-filed Form ADV, any minimums applied to a client’s account is disclosed to them. With every employee holding a stake in the firm, REDW Wealth fits squarely in the “employee-owned” category, which is somewhat uncommon among financial advisor firms. The advisors at REDW each have equity in the business, which can be very beneficial for clients.

REDW Wealth’s vision is that of the parent firm, REDW LLC: They are passionate about making meaningful contributions in the lives of each other, their clients and their communities. The approach is based on a trusted relationship between advisors and their clients. Through ongoing collaboration, they work to see a client’s goals the way the client does. They are determined to have a clear understanding of what is important to each client, to provide an excellent fit of products and services for their needs and get results that provide a client with confidence in their financial future.

Clients who come to REDW for business accounting are able to seamlessly integrate investment and retirement planning needs. Clients find assurance that the relationship with the firm can extend as needs arise in diverse directions: business accounting, advisory, human resource consulting, business valuation and litigation, and many other financial services. The collaborative approach is based on mutual trust and respect, as well as open, honest communication with clients.
The firm’s client base is comprised of individuals above and below the high-net-worth threshold. The firm also maintains advisory relationships with retirement plans, businesses and charitable organizations.

Clients who work with REDW can choose the service level depending on each client’s financial objectives and situation.

REDW Wealth, LLC

7425 Jefferson Northeast
Albuquerque, NM 87109

Ulrich Investment Consultants

Independent, Transparent, Targeted. That is Ulrich Investment Consultants targeted approach to wealth management.

This mission is simple: earn client’s enduring trust and confidence by offering the best possible comprehensive wealth management solutions, valuable insights, and a broad range of consulting services delivered with exceptional client service. Independence from big-company corporate earnings pressure and constraints helps the firm achieve that. There’s no mandate to meet next quarter’s numbers — just the pressure the team puts on themselves for excellence. Ulrich Investment Consultants offers access to a vast array of expertise from any number of global investment managers.

Ulrich Investment Consultants was formed in 2007 under the name Ulrich Consulting Group. The name was changed to Ulrich Investment Consultants in 2017. President and CEO John P. Ulrich is the principal owner of the firm, and vice president Molly Ritz is a minority owner.

The firm’s client base includes non-high-net-worth individuals, high-net-worth individuals, pension plans, charitable organizations and sovereign Native American nations and their affiliated organizations. The firm has no minimum account size. Just about anyone can become an Ulrich Investment Consultants client. The advisory team includes three certified financial planners (CFPs), one chartered financial analyst (CFA) and one certified wealth strategist (CWS).

As a fee-based firm, some on-staff advisors can earn commissions from insurance sales. Despite the potential conflict of interest, the firm’s advisors are bound by fiduciary duty to act in each client’s best interest. The firm provides investment management, financial planning and consulting services. Investment management services are provided on a discretionary and non-discretionary basis. Financial planning services can cover retirement planning, income tax planning, estate planning or other matters specific to individual clients.

Ulrich Investment Consultants

1805 Rio Grande Boulevard, Suite 1
Albuquerque, NM 87104

Forthright Financial Planning LLC – Registered Investment Advisor

Fee-only financial planning for newlyweds to retirees, Forthright Financial Planning believes that everyone deserves good counsel to help plan a great future.

A 1987 graduate of the US Air Force Academy, Jenny Migdal believed strongly in a life dedicated to the service to others and became a financial planner and investment advisor to become a part of the solution. She created her own company, where there is no pressure to “make a sale” and no “one-size-fits-all” approach. Forthright Financial Planning tailors personalized solutions to clients who are looking for an advisor who is trustworthy, knowledgeable, and experienced and who can also explain complicated concepts in simple terms. The firm keeps fees low and services accessible to middle-income clients.

As a Fee-Only firm, there are no hidden fees and no commissions on the work advisors do for clients.

Forthright Financial Planning vehemently opposes the “herd” mentality often featured in the financial press and advertising. Investing is for the long-term and there are wise things that need to be addressed first, such as the current level of debt and spending, the client’s savings cushion, and emotional tolerance (usually called risk tolerance) for the ups and downs of the financial markets. Forthright Financial Planning doesn’t do market timing or any type of crystal ball gazing into the future. They do take advantage of innovative approaches to maximize returns, minimize risk, and make it easier for clients to worry less.

Forthright Financial Planning LLC

2125 Wyoming Blvd NE
Albuquerque, NM 87112

Altus Wealth Management

Altus Wealth Management is a financial advisory firm that is woman-owned and women-operated. They serve a diverse clientele and do business wherever clients need them to be. Their mission is to deliver what they demand for themselves: a client centric practice, straight talk, prudent management, and just the right amount of contact.
Altus Wealth Management is defined by the three reasons clients choose them. They don’t just manage money, they manage money for a person/client; no “smoke and mirrors”, just honesty and transparency; they do what everybody else does, but at a more personal level.

The firm’s clients run from Old Guard to immigrants, millennials to octogenarians, from pro-bono to the top 2%, individuals, families, and businesses.

The firm treats client’s like favorite relative. When it comes down to it, all financial advisors offer pretty much the same products and services. What sets Altus Wealth Management apart is that they consider clients, not their money, the firm’s most important assets.

Each advisor’s reasons for becoming financial professional are deeply personal and they have developed a reputation for providing a unique client experience.
The team approach adds a broader perspective and increases the benefits for clients. A diverse group of individuals -backgrounds, life experience, age—they are unified by the belief that we are all in this together, “we” including their clients.

Altus Wealth Management has a reputation for unparalleled client service—which they consider simply doing their job.

Altus Wealth Management
6100 Uptown Boulevard NE
Suite 610 A
Albuquerque, NM 87110
Office: (505) 977-2000

Mark J. Napolin & Associates, Inc.

Mark Napolin & Associates, Inc. has been working with individual and business clients since 1974 throughout the Southwest. As independent financial professionals, the firm specializes in asset accumulation and preservation strategies and believes even the most well-informed financially successful people need simple, solid support and advice. With ideas that are practical and not based on the latest textbook ideology, many clients have continued utilizing the firm’s services for decades.

Mark Napolin & Associates’ professionals excel in entrepreneurial spirit and offer clients a wide range of innovative, flexible investments, insurance products and financial services that are customized to fit each client’s individual needs and plans. Once goals are set and the program is planned, the team periodically monitors portfolios and assess needs. Advisors ensure that asset allocations are appropriately diversified and match individual risk tolerance with financial goals. The client—and only the client—is always in mind.

The team wants to help develop, implement, and monitor strategies designed to address each unique situation. And they understand the challenges families face today. From managing debt to saving for college or retirement, these personal financial challenges can be overwhelming. Mark Napolin & Associates’ commitment is to utilize all resources to help clients pursue their goals. Thinking outside the box, the firm’s advisors are not afraid to challenge conventional wisdom in their approach to investing and preserving wealth. All energy, commitment, and efforts are focused the client, and the client’s satisfaction.

Mark J. Napolin & Associates, Inc.
6101 Moon St NE Ste 3000
Albuquerque, NM 87111
(505) 821-7130

Meridian Wealth Advisors

Founded in 2006 to offer fiduciary, entirely customized, fee-only advice, Meridian Wealth Advisors, LLC serves those who are nearing or already in retirement and is focused on helping clients manage their investments and develop a financial plan that can support their goals through this stage of life.

Finances connect with every part of life and the firm believes financial planning needs to be a personalized experience. They provide a fee-only structure that offers clients the unbiased support they deserve. Compensation comes only from clients and Meridian Wealth Advisors do not receive commissions or other benefits from third parties. This ensures that advice is objective and customized to each client’s needs.

Meridian Wealth Advisors, LLC creates a coordinated, custom-made strategy for each client’s circumstances and goals. They actively manage and make any adjustments to get clients closer to their aspirations. Each client is unique and has distinct needs and goals. Advice reflects the client’s vision and as life evolves, guidance is based on an intimate understanding of each person’s values and situation.

Clients have worked hard for their life savings and Meridian Wealth Advisors, LLC. strive to create a fully integrated plan that best handles life’s earnings and anticipates challenges. The goal is a comfortable, worry-free life.

With online client portals, clients are able to see their entire financial picture clearly and have access to quarterly performance reports. This software also helps make projections surrounding financial planning goals.

The sooner clients have a strategic plan for retirement, the stronger chance they’ll be able to fund the lifestyle they want and accomplish their goals. Meridian Wealth Advisors, LLC want clients to have specific objectives defined and they can help.

Meridian Wealth Advisors

9400 Holly Ave NE Bldg 4
Albuquerque, New Mexico 87122
(505) 828-2220

The team providing this Top Ten list believes smart people make smart decisions because they educate themselves on the choices they are preparing to make. We hope we’ve helped you become smarter about choosing a financial advisor that meets your unique and specific needs. We try to provide readers with up-to-date information that will help make those good decisions. We hope you’ve enjoyed reading the information we’ve provided and learning about some of the choices for Financial Advisors in the Albuquerque, NM area.

No content is intended to constitute professional advice. This content is not responsible or liable for any consequences relating directly or indirectly to any action you take or fail to take based on the information provided. It is very important to do your own analysis, based on your own personal circumstances, before making any investment. Consult with your own investment, financial, tax and legal advisers. Readers agree to indemnify and hold harmless the providers of this information, from and against any and all liability, losses, claims, demands, disputes, damages or costs of any kind.

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