Our Services


    • Learning about you
      • Learning your goals, values and mission and what you expect from our relationship
      • Assessing your risk tolerance and time horizon
      • Determining your communication style
      • Learning about your investment philosophy
      • Analysis of your cash flow and any debt concerns
    • Retirement income planning
      • Retirement plan analysis and review
      • Asset allocation analysis
      • Optimizing contributions across plans
      • Projecting retirement income using multiple “what if” scenarios
      • Distribution and income planning and tax minimization
      • Strategies and recommendations
    • Investment consultation and portfolio analysis
      • Identifying time frame and goal for each investment
      • Asset allocation analysis
      • Consolidate and streamline accounts
      • Investment tax reduction strategies
      • Debt management
      • Asset protection
      • Planning for other life goals (living abroad, weddings, etc.)
      • Strategies and recommendations
    • Quarterly update and review meetings
  2. ESTATE PLANNING (in consultation with your estate planning attorney)
    • Review of your existing wills, trusts and other estate documents
    • Review beneficiary designations for all accounts, annuities, real estate and insurance policies to assure proper integration with your estate plan
    • Discussion of charitable gifting strategies
    • Advanced estate planning techniques (may require separate planning fee)
      • Strategies for minimizing gift and estate taxes on wealth transfer
      • Uses of life insurance trusts
      • Uses of annual exclusion gifts and lifetime gift tax exclusion
      • Minimizing the generation skipping tax
      • The changing landscape for the estate, gift and income tax
      • Pending legislation and current opportunities
      • Strategies and recommendations
    • Survivor needs analysis
    • Strategies for meeting lump sum needs
    • Income needs strategies
    • Review of all existing coverage (life, long term care, disability income, ADandD)
    • Design and consultation of optimal policy ownership and beneficiary designations
    • Recommendations for additional coverage as needed (including getting multiple quotes to find the most competitive offers)
    • Referrals to competent PandC insurance carrier as needed
  5. TAX PLANNING (in consultation with your CPA)
    • Review of your personal and business tax returns
    • Discussions with your CPA
    • Strategies and recommendations for tax reduction
    • 529 College Savings Plans
    • UTMA and UGMA accounts
    • Coverdell Education IRA
  7. BUSINESS STRATEGIC PLANNING (also refer to our menu of business solutions)
    • Design and implementation of qualified retirement plans for businesses owners
    • Review and analysis of existing business succession and exit strategy
      • Plan design and review (with your attorney)
      • Funding considerations
      • Recommendations
    • Executive compensation
      • Deferred compensation
      • Executive perks

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Securities and Investment Advisory Services through Transamerica Financial Advisors, Inc. (TFA), a Registered Broker/Dealer and Investment Advisor. 6101 Moon St. NE, Suite 3000, Albuquerque, NM, 87111. Member FINRA & SIPC. Tax and legal advice are not offered through TFA.