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.

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.

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

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. 

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.

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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. 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. 

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.

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. 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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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. 

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. The firm also 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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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 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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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. 

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%.

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.

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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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.

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 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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Steve Lynch Wealth Management is an SEC-registered investment adviser that primarily works with individuals and families. The firm provides ongoing investment management and financial planning. Standard monitoring is quarterly, and accounts are managed on a non-discretionary basis, meaning clients retain final decision-making authority on trades.

Clients pay an asset-based advisory fee that is billed quarterly in advance and debited from the custodial account; the rate is negotiated with each client. The CRS highlights that fees don’t vary by product type and that clients also bear usual custodial/transaction charges and any underlying fund expenses for vehicles like mutual funds.

Advice is not limited to proprietary products, and the firm states it does not use third-party managers, does not engage in revenue sharing, and does not conduct principal trades. Planning is ongoing and iterative, the process begins with discovery, followed by tailored recommendations, and continued “tweaks” to keep the plan aligned with client goals over time.

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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. 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.

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.

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.