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Fiduciary Services

We're fiduciaries, meaning we're strictly obligated to put your financial well-being first.

At Financial Solutions Planning & Investments, your financial future is as important to us as it is to you, hich is why we operate as fiduciaries for all our clients—your needs come first. Whether you seek full asset management or prefer fee-only consulting, our financial advisors can help. Our fiduciary oath means we're committed to ongoing portfolio monitoring, informed advice, and always placing your interests above all else.

What Exactly Are Fiduciary Services?

Fiduciaries are financial professionals who are legally obligated to act in accordance with a strict ethical code, putting your financial goals above all else. They must disclose any conflicts of interest and recommend investment options that match your risk tolerance and long-term goals. FSPI is a trusted fiduciary advisor in the Albuquerque region and beyond. We meticulously plan your financial future with your priorities and desires in mind.

What Makes Fiduciaries Different from Other Financial Advisors?

  • Fiduciaries are legally obligated to act in their clients' best interests at all times.
  • They must disclose any potential conflicts of interest that could impact their recommendations
  • Fiduciaries prioritize their clients' financial well-being over their own financial gain.
  • They are held to a higher standard of transparency and accountability.
  • Fiduciaries typically provide comprehensive, personalized financial advice tailored to individual needs and goals.
  • Unlike non-fiduciary advisors, fiduciaries are bound by law to always prioritize what is best for their clients, ensuring trust and integrity in the advisory relationship.

Tailored Investment Management

  • Strategic Allocations: Investment strategies designed to achieve a balanced risk-reward profile while minimizing tax burdens and keeping costs low.
  • Customizable: Tailored approach with comprehensive coverage with 14 positions.
  • Tailored Investment Mix: Flexibility to incorporate individual stocks and bonds based on your specific investment goals and risk tolerance.
  • Portfolio Adjustments: To ensure your portfolio stays aligned with your long-term goals, we employ automated rebalancing triggered by pre-defined thresholds that monitor asset class weightings.
  • Tax-Loss Harvesting in Taxable Accounts: We strategically sell underperforming investments to offset capital gains and potentially reduce your taxes.

Third Party Management

  • Experienced Portfolio Construction: Leverage the investment research and philosophy of a leading asset management firm to build a customized portfolio aligned with your goals.
  • Holistic Wealth Management: Consolidate your financial picture with potential access to private banking, lending, and legal counsel (all subject to availability).
  • Tailored Investment Solutions: Benefit from the experience of managing concentrated positions, if applicable to your portfolio.
  • Dynamic Market Response: Enjoy the advantage of tactical asset class management, where adjustments are made based on market conditions to potentially improve returns.

Business Solutions

  • Personalized Retirement Planning: We address your unique needs to optimize your pre-tax savings for a comfortable retirement.
  • Flexible Engagement Options: Choose between ongoing support or a one-time consultation to get your retirement plan on track.
  • Holistic Approach: We go beyond just investing, tackling tax implications, business considerations (if applicable), and estate planning to ensure your pre-tax savings are protected and maximized.
  • Buy-Sell Funding Strategies: For business owners, we can help implement strategies to fund buy-sell agreements using pre-tax dollars, ensuring a smooth business transition.

Fee Only Consulting

  • Retirement Plan Optimization: We'll review your existing tax-deferred strategy within your retirement plans (like 401(k)s or IRAs) to ensure it's aligned with your long-term goals and maximizing your tax advantages.
  • Comprehensive Financial Planning: We go beyond retirement plans. We can address other financial planning solutions you may need, like college savings, estate planning, or risk management.
  • Stock Option Experience: Get experienced guidance for managing your stock options, taking advantage of their potential while mitigating risk.
  • Concentrated Position Management: If you hold a significant position in a single stock, we'll develop a strategy to manage it effectively and potentially reduce overall portfolio risk.

Fiduciary Financial Advisement Solutions For You

Looking for trustworthy financial guidance rooted in fiduciary principles? Look no further than FSPI for fiduciary services. Our team of fiduciaries is dedicated to providing comprehensive financial planning services with your best interests at heart. Whether you're planning for retirement, saving for your children's education, or seeking to grow your wealth, we tailor our strategies to your unique goals and circumstances.

Reach out to us today for personalized fiduciary advisement and take the first step towards securing your financial future.

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