B & H Wealth Management - Financial & divorce planning

Personal Attention To Your Needs
If you desire the personal attention of a highly experienced, qualified, and objective Certified Financial Planner practitioner you have come to the right place. Most of our clients look to us to take care of their complete financial picture. We help you sort out where you are now, set and prioritize your goals, determine what it is you need to do to achieve your goals, and provide you with the pros and cons of the various options open to you. Once we have developed your plan and you have made your decisions on how to proceed we can also implement your plan whatever your needs.

Our Process. Your plan will only be relevant if it reflects your values and what it is you wish to achieve. It will only get implemented if you trust our recommendations. All of this takes time and personal contact which is why we follow the following process.

Initial Interview - 30 minutes This may be by phone or in person. We both get to ask questions of each other so we can decide if we are a good match for each other.

Data Gather - 2 Hours.

We do review the hard data you have brought with you such as investment statements, insurance policies, budget, benefit booklets from work, tax returns etc., however the real purpose of the meeting is to get an understanding of what is important to you, what your values are related to your financial decisions. Sometimes it is apparent that there are only one or two issues that we can deal with immediately. When a full financial plan or other analysis is needed we can give you an estimate of the cost involved. It is not until this point that our engagement contract is signed and you are under any obligation. If it is obvious that you wish us to implement your plan (through our Financial Consultants relationship with LPL Financial) the fees or commissions generated from that may eliminate the need for a planning fee. While we keep the planning and implementation functions separate to maintain objectivity and avoid a conflict of interest, we follow the basic principal that while we need to be paid for our work we do not need to be paid twice. We leave the choice up to you.

We assist you step-by-step with your financial planning

Presentation. 2 - 3 hours.

After the analysis is complete we go over the plan together. It is important you are understand the assumptions used and how the recommendations came about. We make recommendations for you to think about and come to a conclusion. Often there are several alternatives each with its own pros and cons.

Implementation. If you choose to have us implement your plan we usually wait several weeks after the presentation and often meet again so you are not rushed into anything and do not make a decision until you are comfortable doing so. You do not need to have us implement you plan. You can implement the plan elsewhere. You own your plan.

Monitoring Your Plan. We cannot foresee the future only make reasonable assumptions. Periodically we need to review your plan in light of economic and financial changes. The most significant changes are personal ones such as from birth death and marriages, changes in employment. Winning the lottery! Monitoring your plan and updating it is critical.

Richard W. L. Hall - Qualifications

Associate Chartered Accountant - ACA(NZ)
Chartered Financial Consultant - ChFC
Certified Financial Planner Practitioner - CFP®
Registered Investment Advisor (Cumbrian Financial Stewardship)

Professional References

Tom Brown III Attorney 505 352-1615
David Drucker RIA MBA CFP 505 453-5703 (Author, consultant, and internationally renown speaker on financial planning)

CLIENT Referrals

My clients are primarily university professors, physicians, professional couples, and retirees. Most are long term clients more than willing to speak to prospective clients on my behalf. Please call and I will provide a contact information for a client that has similar needs to your own.

FEE ONLY Disclaimer: Cumbrian Financial Stewardshp RIA is a State Registered Investment Advisor in the State of New Mexico limited to providing hourly fee and flat fee financial planning and consulting. Many clients have us implement their plan which may include products such as life insurance or long term care insurance which generate a commission to us. Since securities are offered through LPL Financial Member FINRA/SIPC we cannot describe our firm as being "FEE ONLY" as while this may be true of our relationship with you it this is not true of ALL of our client relationships.