Top Financial Advisors in New Mexico

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Located in Albuquerque, Ulrich Investment Consultants (UIC) leads off our list of the top-rated advisors in the Land of Enchantment.  with with more than $3.2 billion in assets under management (AUM), the firm doesn't have a minimum account size requirement. It works with individuals – both above and below the high-net-worth threshold – as well as a range of institutional clients like retirement plans, charities, soveriegn nations and Taft Hartley plans, corporations and other businesses.

The firm employs a number of credentialed professionals who hold the Certified Financial Planner™ (CFP®), certified public accountant (CPA), chartered financial analyst (CFA) and certified investment management analyst (CIMA) designations.

UIC may earn fees from several sources. It can charge you fees based on a portion of your AUM for investment management services. It may also charge you financial planning fees on a fixed or hourly basis. However, UIC is affiliated with an insurance agency and some of its advisors can earn commissions when selling insurance products to advisory clients. While this is a conflict of interest, the firm has a fiduciary duty to always act in its clients' best interests.

Ulrich Investment Consultants Background 

UIC was founded in 2007 and registed as an investment advisor in 2011. John P. Ulrich serves as the principal owner. He previously served major investment roles at firms like Sovereign Investment Advisors. 

UIC operates as an open-architecture firm. So when you work with the firm, you have access to numerous outside partners who can help you meet your financial goals. It also utilizes different software and tools to help its clients. 

As for advisroy services, UIC provides tailored investment management and financial planning. UIC manages portfolios on discretionary and non-discretionary bases, offering services such as asset allocation, financial modeling, and investment manager selection, while also addressing tax, estate, and retirement planning needs. The firm also provides fiduciary guidance, comprehensive reporting and educational support to retirement plans.

Ulrich Investment Consultants Investment Strategy 

UIC looks to create diversified investment portfolios, based on your individual circumstances such as risk tolerance and time horizon. It invests in a variety of different asset classes including mutual funds, exchange-traded funds (ETFs), index funds and alternative investments. In evaluating these securities, the firm turns to several different sources such as market and financial data published by major firms like Morningstar and Callan Associates. 

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REDW Wealth is a fee-only firm that works with both high-net-worth individuals and non-high-net-worth individuals, as well as pension and profit-sharing plans, charities and corporations. There is no account minimum balance for clients.

As a fee-only firm, advisors earn fees solely from clients for services rendered. They do not earn commissions from third-party firms for selling annuities, insurance, stocks, bonds, mutual funds or other products. As for fees, the firm charges an asset-based fee for investment management services and a separate fee for financial planning, which starts at $3,500.

The wealth management team at REDW Wealth comprises a number of credentialed professionals, including Certified Financial Planners™ (CFP®s), accredited investment fiduciaries (AIFs), certified public accountants (CPAs), among others. 

REDW Wealth Background 

REDW Wealth first opened its doors to the Albuquerque community in 1997 as Rogoff & Stanley Financial Advisors. It adopted its current name in 2000, when it registered with the SEC as an investment advisor. 

In addition to investment management, the firm can create a comprehensive financial plan to help you address aspects of your financial life based on your individual needs. This plan may cover: 

• Retirement planning
• Estate planning
• Business management
• Investing
• Strategic tax services
• Risk management
• Stock option and cash-flow planning
• Social Security benefits 

REDW Wealth Investment Strategy

REDW Wealth emphasizes strategic asset allocation when it comes to investing. This means it seeks to create diversified portfolios that adhere to your individual circumstances such as risk profile and personal goals.

To meet these goals, the firm may invest your assets in a mix of the following: 

• Exchange-traded funds (ETFs)
• Index funds
• Real estate investment trusts (REITs)
• Actively managed funds
• Individual stocks and bonds 

In evaluating these investments, the firm turns to several different sources of information such as financial media, fund prospectuses and research published by third parties.

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John Moore & Associates (JMA) is a fee-based firm that serves high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charities and corporations. The firm typically requires a $300,000 account minimum. 

The firm’s advisory team holds multiple certifications, including the accredited asset management specialist (AAMS), accredited investment advisor (AIF), Certified Financial Planner™ (CFP®), certified investment management analyst (CIMA) and certified kingdom advisor (CKA) designations, among others. 

The firm notes that some of its owners and associates are independent insurance agents who can earn third-party comissions when selling insurance products. This is a conflict of interest because commissions act as a financial incentive for advisors to make certain reccomendations to clients when other products or services may be more appropriate or affordable. However, JMA is a fiduciary and must act in your best interests. 

John Moore & Associates Background

John Moore founded his namesake firm in 1997. Today, the firm is owned by Brian Cochran, Emily Cochran and the Cochran Trust. 

The firm only provides personalized asset management and financial planning services tailored to clients' goals, risk tolerance and time horizons.

John Moore & Associates Investment Strategy 

The firm has a variety of investment strategies, such as the JMA Asset Allocation Model for diversified equity exposure, Dynamic Equity for capital appreciation, Managed Bond for fixed-income preservation, Income Model for cash flow, and Equity Income for large-cap dividend growth. Additionally, JMA offers customized portfolios for wrap fee programs and accommodates client-designated investments without advisory fees when requested.

When evaluating securities, the firm examines the potential of companies it may invest in based on their earnings, debt, competitors and other information. It uses several resources of information including financial newspapers and magazines as well as industry research published by third parties.

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Westwind Capital is a fee-only firm that generally requires a minimum investment of $100,000 to establish a relationship. Based in Las Cruces, West Wind Capital works with high-net-worth and non-high-net-worth individuals, pensions and profit-sharing plans, charities, municipal governments and corporations. 

As a fee-only firm, its compensation comes solely from the fees that advisory clients pay for services – not third-party sales commissions. The firm charges an asset-based fee for portfolio management services and hourly or fixed fees for stand-alone financial planning services. 

The team at Westwind Capital features several credentialed professionals, including chartered financial analysts (CFAs) and Certified Financial Planner™ (CFPs®). 

Westwind Capital Background 

Westwind Capital was founded in 1992 as Lord, Spence & Associates. It changed its name to Spence Asset Management in 2000 and later rebranded as Westwind Capital in 2024. Eric Walton, a long-time employee, currently serves as the primary owner, while Scott Kozney and Patrick Grooms are minority owners.

The firm can design a holistic financial plan to meet your individual needs. Its advisors specialize in delivering advice around the following financial topics: 

• Portfolio management
• Estate planning
• Retirement savings
• College funding through vehicles like 529 plans
• Cash management

Westwind Capital Investment Strategy

Westwind Capital employs a variety of portfolio models. Each has its own asset allocation and objective. The firm may invest your assets in one it deems appropriate for you based on your individual financial situation and goals. These models include: 

• The Stock Management Discipline FOCUS Equity - This model is designed for those seeking aggressive growth, this strategy primarily invests in common stocks traded on U.S. based exchanges to maximize return and decrease turnover.
• The Income Management Discipline - This model invests in different fixed-income securities such as short, intermediate and long-term bonds, municipal bonds, closed-end funds and open-end funds. 
• The Balanced FOCUS Discipline - This model combines equity and income strategies to create an asset allocation that seeks moderate growth.
• No-load Fund Discipline - As the same suggests, this model invests in no-load mutual funds, which the firm uses in an active management strategy.

The firm uses various sources to analyze the securities it invests in as well as overall market conditions. This includes readily available info like financial media and industry research.

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LongView Asset Management is a fee-only firm that works with high-net-worth and non-high-net-worth individuals, as well as a handful of charities. The firm specializes ESG (environmental, social, governance) and social-responsible investing (SRI), as well as retirement plan services. 

LongView Asset generally provides financial planning in conjunction with portfolio management, as opposed to stand-alone services. The firm generally requires you to maintain a minimum investment of $500,000. But it may waive this requirement at its discretion. 

As a fee-only firm, advisors earn compensation directly from client fees. They do not collect commissions from any third-party firms. 

LongView Asset Management Background 

LongView Asset formed in 2002. Chief Compliance Officer David A. Cantor and principal Harlan Flint currently own the firm through their control of separate entities. Cantor has been in the financial services industry since the 1980s. 

LongView Asset Management Investment Strategy 

LongView Asset Management relies a top-down, highly diversified investment strategy that begins with an analysis of economic and market cycles to determine asset class and sector weightings. Their approach emphasizes the use of mutual funds and ETFs for equities, fixed income and alternative strategies, favoring professional managers with strong track records, tax efficiency and low expenses.

Equity and fixed income investments are aligned with model portfolios and rebalanced periodically, with rigorous fund selection processes focusing on diversification, risk mitigation and superior manager expertise. Alternative investments, including strategies like merger arbitrage and global macro, are used to enhance diversification and reduce portfolio risk. 

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Better Money Decisions, a fee-only advisory practice located in Santa Fe, has no minimum asset or income level requirement. However, it does impose a minimum fixed fee of $2,500 for financial planning services and another minimum fixed fee of $1,875 quarterly for its financial subscription, a yearlong service that provides continuous advice and consulting on a range of financial topics. 

For clients with more than $300,000 engaging in portfolio management services, the firm charges a percentage of assets under management that ranges between 1.25% and 0.75%.

The fee-only firm works with high-net-worth and non-high-net-worth individuals, as well as charities. The team at Better Money Decisions includes advisors who hold the Certified Financial Planner™ (CFP®) and certified retirement counselor (CRC) designations.

Better Money Decisions Background

CEO Lorraine Ell is the majority owner of the firm that's been in operation since 2014 and registed with the SEC since 2019. She is the author of "Bozos, Monsters and Whiz-bangs: Bad Advice from Financial Advisors and How to Avoid It!". Meanwhile, Lea Ann Garrison Knight, a managing partner and vice president of financial planning, is a minority owner. 

Better Money Decisions offers three tiers of advisory services: Financial Wellness for Life® (FWL), their most comprehensive offering, which includes personalized financial planning, investment management and ongoing support; the Financial Subscription Service (FSS); and Financial Planning Snapshot (FPS), a standalone financial planning service delivering a one-time, written financial plan without ongoing management or implementation. All services begin with a formalized agreement and are tailored to meet individual client needs.

Better Money Decisions Investment Strategy

The firm says that it emphasizes risk control, "believing that avoid losses allows appreciation potential of equities to be realized." As a result, it looks for value, safety and quality when making investment decisions. Securities it uses include bonds, equities, mutual funds and exchange traded funds (ETFs).

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Portfolio Wealth Advisors (PLLC) is a fee-only firm works with high-net-worth and non-high-net-worth individuals. Located in Albuquerque, PLLC requires a $1.5 million asset minimum – the highest of any advisor on this list. 

For its advisory services, the firm mainly charges asset-base fees and hourly fees. PLLC charges clients one rate based on a percentage of their assets under management. Those between $250,000 and $999,999 pay 1.5% of assets under management. Those between $1 million and $4,999,999 pay 1.1%. And those over $5 million pay 0.85%.

Portfolio Wealth Advisors Background

Established in 2008, Portfolio Wealth primarily provides financial planning, portfolio management and financial planning services. The firm also uses wrap fee programs to manage accounts on a discretionary basis.

Lee E. Munson, Certified Financial Planner™ (CFP®) and chartered financial analyst (FA), is the firm’s owner. 

Portfolio Wealth Advisors Investment Strategy 

Portfolio Wealth says on its brochure that it uses a combination of fundamental analysis and technical analysis to assess risk and global market opportunities. The firm manages clients' assets on a fully discretionary basis using wrap fee programs. This firm typically constructs profolios using exchange-traded funds, as well as mutual funds that do not charge 12b-1 fees. 

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BCO Wealth Management is a fee-based firm that serves individuals, high-net-worth individuals, charitable organizations and pension and profit-sharing plans. The firm provides investment strategy, personal investment management and portfolio monitoring as well as assistance in related matters.

Staffers at the firm hold various professional designations, including chartered life underwriter (CLU), chartered financial consultant (ChFC), certified public accountant (CPA) and chartered advisor for senior living (CASL).

As a fee-based firm advisors may receive commissions from insurance companies when they sell policies, such as annuities, to clients. However, as a fiduciary, BCO must always put each client's best interests first, at all times.

BCO Wealth Management Background

The firm was formed in May 2022, and the principal owners are John Milo Overstreet and Lyle Harley Cole. Both are independent, licensed insurance agents.

Overstreet and Cole offer their firm's services on both a discretionary and non-discretionary basis.

BCO Wealth Management Investment Strategy

BCO Wealth Management employs a personalized, goals-based investment strategy that tailors portfolios to each client’s objectives, risk tolerance and time horizon, as outlined in a custom investment policy statement. Services include investment strategy, asset allocation, portfolio monitoring, and risk management, with discretionary authority to execute trades.

It utilizes SEI’s Asset Allocation Program for mutual fund portfolios and may collaborate with third-party advisors, conducting due diligence and ongoing performance reviews to ensure alignment with client goals.

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Santa Fe Advisors (SFA) is a fee-only firm that serves with high-net-worth clients and non-high-net-worth clients, as well as pension and profit-sharing plans and charities.

The firm typically imposes a minimum account balance of $1 million to engage in investment management services. Clients engaging only in financial planning services will need $3 million in investable assets.

The firm says each of these requirements are waivable under certain circumstances. SFA charges clients engaging in investment management services a percentage of assets under management ranging between 1% for the first $1 million and 0.35% for assets over $10 million. Fees for clients with non-discretionary investment accounts range from 1.25% for the first $1 million to 0.50% for assets over $10 million.

As a fee-only financial firm, advisors receive compensation from client fees and do not take transaction-based fees such as sales commissions.

Santa Fe Advisors Background

Founded in 2014, Santa Fe Advisors currently has three principal owners: partners David Marion, Kristina Alley and David Kantor. Alley is a Certified Financial Planner™ (CFP®) and Marion is a chartered financial analyst (CFA). The trio has decades of wealth management experience between them.

SFA offers investment management and financial planning services. Financial planning typically goes hand-in-hand with the firm’s investment management services, but they are also available on a stand-alone basis.

Santa Fe Advisors Investment Strategy

Each client relationship at Santa Fe Advisors begins with a detailed discussion to determine the client’s preferences and objectives. Advisors then use this information to design portfolios that suit each client. The firm looks to manage risk, taking into account each client’s risk tolerance. It also usually takes a long-term approach and allows clients to accept or reject specific investment decisions.

All prospective investments are analyzed on an individual basis. However, advisors primarily use mutual funds and exchange-traded funds (ETFs) to construct clients' portfolios, while also relying on hedge funds and separately managed accounts (SMAs) where appropriate.

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Horizons Sustainable Financial Serivces rounds out our list of the top-rated advisory firms in New Mexico. This fee-based advisor in Santa Fe mostly works with individual clients, both above and below the high-net-worth threshold. The firm, which doesn't have a minimum account size requirement, charges an asset-based fee for portfolio management and hourly fees for financial planning and investment consultation services. 

One of the firm's advisory representatives is licensed to sell insurance for additional compensation. This creates a financial incentive for the advisor to recommend certain products and services to advisory clients for the purpose of generating a commission, which is a conflict of interest. However, the firm has a fiduciary duty to always act in your best interest.

Horizons Sustainable Financial Services Background

Founded in 2014, Horizons specializes in socially responsible invesment (SRI) – which it refers to as "sustainable, responsible and impact" investing. The firm notes in SEC records that it has a "core commitment to building a sustainable and socially just world through sound investment practices." Johann Klaassen, a Certified Financial Planner™ (CFP®) and accredited investment fiduciary (AIF), is the firm's primary shareholder. 

The firm offers a comprehensive range of financial planning and investment advisory services, including cash flow analysis, retirement planning, tax and estate planning, risk management and education funding. The firm tailors its approach through personalized financial plans, investment policy statements and SRI criteria. Horizons also provides ongoing portfolio supervision, access to institutional investment managers and consultation for third-party managers. 

Horizons Sustainable Financial Services Investment Strategy

Horizons has developed a diverse investment strategy that incorporates screening, advocacy, community investments and impact opportunities to align portfolios with clients' values. The firm utilizes active asset management to capitalize on market inefficiencies, passive investment management guided by modern portfolio theory for stable long-term returns, and a Core + Satellite approach combining index-based core holdings with actively managed satellite positions for targeted diversification and risk management.

Fundamental analysis underpins their security selection, emphasizing intrinsic value by assessing economic, industry and company-specific factors, though it acknowledges risks related to inaccurate data and market volatility.