About Intelligent Investing

Intelligent Investing Inc., is a Registered Investment Adviser with the State of New Mexico.  Our business operates as a fee-only or hourly rate, independent, objective financial planning, retirement planning and investment management firm serving each and every one of our clients in a fiduciary capacity.  Notably, as fiduciaries, we put your interests first, without any undue influence from outside third parties.  Intelligent Investing sells no products; as such, we do not receive commissions or payments from third parties for recommending a particular investment or product.

As an Intelligent Investing client, you are no longer alone to figure out your financial future.  We are here to help organize, coordinate, and guide you through all of the complex aspects of your financial life.  We are there with you every step of the way.

A Little Bit About Our Financial Planning Process 

First, We both Define the Relationship

We want to meet with you and make sure our services are a fit with your needs.  If so, we will establish a written agreement so all parties understand the scope of services to be provided.

Second, A little (or a lot of) Goal exploration

We get to know each other pretty well throughout our process. During this phase we generally gather information via one-on-one meetings, through informational forms, and from phone calls to better understand your history and values, as well as, your priorities and preferences.

Third, Financial Document/Information Gathering and COLLECTION

We know it can be hard to talk about your finances.  Accordingly, our firm incorporates a confidentiality clause within our investment adviser agreement regarding the protection of your sensitive information.  We will ask you to complete one or more questionnaires and provide copies of relevant documents, such as: tax returns, bank statements, credit card statements, employee benefit plan documents, insurance policies, investment statements, estate planning documents, etc.

Fourth, Assessment Time (What is your current financial state of affairs?)

We assess your financial strengths and weaknesses.  What's your current net worth (your personal balance sheet)?  Do you have an emergency fund?  Are you saving enough?  Does your current financial state match your desired retirement goals?  Are there any financial gaps that need to be filled?

Fifth, Let's develop a Financial Plan together

We chart a financial course for you.  Your individualized plan will lay out clear prioritized steps, objectives, strategies and/or tactics for accomplishing your goals.  Suggested strategies may include debt reduction, cash flow planning, emergency fund development, retirement planning, the utilization of tax-efficient investments, risk management, 529 education funding, estate planning, and/or tax planning.

Sixth, Plan Activation (where rubber meets the road)

We work with you and help you implement your financial plan.  We are here to help you carry out these recommendations through each and every step of your journey - from your first step to your last steps of reaching financial security.

...And Finally, Investment Setup

We can help you determine your risk tolerance and appropriate asset allocation - so you can sleep better at night and not worry about your investments.  Our firm's founding doctrines originate from cost-efficient passive investing principles for the majority of one's portfolio, and we select investments that support this philosophy.