Susan Kroger is a CFP®-credentialed financial advisor with 23 years of industry experience. She has worked at Intentional Finance, LLC since 2017 and previously spent 14 years at Waddell & Reed, Inc. Outside of her advisory role, she is involved with the Rotary Club of Albuquerque and the ABQ Chapter of the Executive Women's Golf Association. Intentional Finance provides investment advisory and financial planning services primarily to individual clients and a smaller number of institutional clients, including retirement plans and pension funds. The firm offers customized portfolio construction using a range of asset classes and employs multiple asset allocation strategies tailored to client objectives and risk tolerances.

CERTIFIED FINANCIAL PLANNER™ | Financial Architect for Life’s Key Milestones As a CERTIFIED FINANCIAL PLANNER™ with a rich history in the investment management industry, I specialize in guiding individuals through some of life’s most pivotal transitions. Whether you're navigating the emotional and financial intricacies of estate organization and the loss of a loved one, preparing for a successful and secure retirement through strategic investment and tax planning, or seeking the best higher education opportunities for your children, I offer tailored financial solutions to help you achieve your goals. With over 25 years of experience in business-to-business engagements, I bring a deep understanding of financial strategies, ensuring that my clients are prepared for every phase of life. My background is supported by a strong foundation in finance, having earned my Bachelor’s Degree from Montana State University-Bozeman, as well as completing the rigorous CFP curriculum through the Boston Institute of Finance. I hold several professional licenses that empower me to provide comprehensive, holistic financial guidance. Let’s work together to build a financial plan that not only protects your present but also secures your future.

Bradley Boehm is a financial advisor at Seasons Wealth Services LLC in Albuquerque, NM, holding a Series 65 designation with one year of industry experience. He has a background in accounting and business consulting, with ongoing roles at Boehm & Bacon CPAs LLC and Seasons Accounting Services LLC since 2002, and prior experience at Sunray Gaming of NM LLC from 2004 to 2020. He also provides tax preparation and business consulting services alongside his advisory work. Seasons Wealth Services LLC manages pooled vehicles and institutional mandates while offering portfolio management, financial planning, and investment consultation. The firm employs a passive, index-oriented investment approach based on Modern Portfolio Theory, emphasizing diversification, tax efficiency, and low-cost vehicles, and combines advisory services with affiliated accounting and consulting under shared management.

Catherine Kipling is a CFP® professional with 20 years of industry experience. She founded and has operated Kipling & Co. since 2015, serving clients from Hamilton, MT. Kipling & Co. is an independent, fee-only firm serving individual households and small businesses with financial planning and portfolio management focused on retirement, insurance, tax planning, and estate considerations. The firm emphasizes tailored advice through client conversations, minimal trading, and low-cost securities, and it does not accept commissions or sell investment products.

Justin Grinstead is the principal advisor at Grinstead Wealth Management in Albuquerque, NM, with 13 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Charles Schwab and Charles Schwab Bank for over a decade. Grinstead Wealth Management serves individual and high-net-worth clients through continuous investment management and project-based financial planning, focusing on asset allocation using a combination of passive and active strategies. The firm emphasizes the selection and monitoring of third-party Outside Managers and offers financial planning billed on an hourly-derived basis.

David Drucker is the principal of Sunset Financial Management, an independent advisory practice based in Albuquerque, NM. He holds the CFP® designation and Series 65 license, with 21 years of industry experience. Drucker has led Sunset Financial Management since 1997. Outside of his advisory work, he serves as editor of Virtual Office News and is a principal at Practice Merger Consultants. Sunset Financial Management is a solo, fee-only firm serving a small number of high-net-worth clients, including individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm focuses on asset-allocation strategies and a diversified, long-term investment approach, providing quarterly reviews and reports alongside annual plan evaluations.

Amanda Cram is the principal of Be Brave Not Broke LLC in Albuquerque, NM, holding a Series 65 credential with two years of industry experience. She is also the owner of Sunrise Accounting Solutions LLC, an accounting and bookkeeping business serving small business owners. Be Brave Not Broke LLC provides fee-only financial planning services to individuals and high-net-worth clients through standalone plans, project-based engagements, and plans with implementation support. The firm does not manage client assets or accept custody and typically recommends strategies based on modern portfolio theory and passive investments.

Dean Roberts is the principal of Ego Death Financial LLC in Albuquerque, NM. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to founding his independent firm, he worked at Northwestern Mutual in various capacities from 2021 to 2024. Ego Death Financial LLC offers personalized investment management, financial planning, and consultation services to individuals, high-net-worth clients, and small businesses. The firm combines fundamental and technical analysis to pursue long-term growth through diversified equities, fixed-income, and targeted Bitcoin exposure, with client interactions conducted remotely and strategies tailored to individual goals and risk tolerance.

Adam Tafoya is the founder and president of Educated Wallet LLC, an independent registered investment adviser based in Albuquerque, NM. He holds Series 63 and Series 65 licenses and has 11 years of industry experience with prior roles at firms including Kinetic Investment Management and New York Life. Tafoya also develops financial education content through an online platform associated with his firm. Educated Wallet provides asset management through a sub-advisory relationship with AE Wealth Management, serving individual and high-net-worth clients. The firm offers tailored, typically non-discretionary investment advice alongside financial planning and subscription-based educational courses and workshops.

Nicholas Pihl is an independent, fee-only financial planner. He specializes in working with retirees and people who expect to retire within 10 years.

Michael Hettinga is a financial advisor at Zia Investment Advisors in Albuquerque, NM, holding Series 63 and Series 66 licenses with 23 years of industry experience. He has worked at Zia Investment Advisors since 2008 and previously at The Mutual Fund Store and TD Ameritrade. Zia Investment Advisors provides customized investment management for individuals, high-net-worth clients, retirement and pension plans, trusts, estates, charitable foundations, and private corporations. The firm emphasizes long-term, risk-adjusted investing tailored to client cash flow and risk tolerance, using traditional security analysis methods combined with periodic portfolio monitoring and regular reporting.

Gautam Vora is a CFA® charterholder with 8 years of experience in the financial industry. He currently leads Financial Design & Research, an independent firm he joined in 2022, and previously worked at LPL Financial for six years. Vora also has a long history of association with the University of New Mexico, spanning over three decades from 1989 to 2021. Financial Design & Research provides investment management, financial planning, and consulting services primarily to institutional and organizational clients, including pension plans, non-profits, tribal entities, and small businesses, while also serving individuals. The firm is noted for its educational seminars and workshops, flexible billing options, and focus on long-term risk management and customized client engagements.

Jorge Alvarez is a financial advisor at Alvarez Advisory LLC in Albuquerque, NM, holding the Series 66 designation with three years of industry experience. Prior to founding his independent firm in 2026, he worked at Merrill and Bank of America from 2021 to 2026. Alvarez Advisory LLC provides discretionary asset management and financial planning services to individuals, high-net-worth clients, and business entities. The firm employs a combination of fundamental, technical, charting, and cyclical analysis to tailor investment strategies to client objectives and risk tolerance, while offering a broad scope of planning services at no additional cost.

John Sharrock is a financial advisor at Rising Tides Financial Planning LLC in Albuquerque, NM, holding Series 63 and Series 65 credentials with one year of industry experience. Prior to his current role, he served 23 years with the Department of Defense. Rising Tides Financial Planning LLC provides fee-only financial planning services to individuals, high-net-worth clients, federal employees, and military personnel, focusing on retirement, estate, tax, and business planning. The firm offers non-discretionary investment recommendations using both passive and active strategies, with a fee structure primarily based on household income rather than assets under management.

Kyle Lynch is a financial advisor at Steve Lynch Wealth Management in Albuquerque, NM, holding Series 63 and Series 65 designations with eight years of industry experience. He has worked at Steve Lynch Wealth Management since 2019 and is also a captain in the Army National Guard, a role he has held since 2009. Steve Lynch Wealth Management provides personalized financial planning and investment management to individuals, trusts, retirement plans, charitable organizations, and small businesses, using a strategic asset-allocation approach that emphasizes passive index funds and ETFs as the core of its portfolios. The firm manages assets primarily on a non-discretionary basis and serves both individual and high-net-worth clients.

Saxon Knight is a CFP® and CFA® with 17 years of industry experience, currently serving at SKG Capital Advisors, LLC in Albuquerque, NM. He has worked at Sklar Capital Advisors since 2017 and has prior experience at Securities Service Network, SSN Advisory Inc., and Mass Mutual Investors Services. Knight is also licensed as an insurance agent offering long-term care products. SKG Capital Advisors primarily serves individual and high-net-worth clients, as well as corporations and small businesses, providing discretionary portfolio management through a wrap fee program. The firm employs a combination of fundamental, technical, and asset-allocation analysis to tailor portfolios and offers both traditional managed accounts and an ETF-based automated option through Schwab’s Institutional Intelligent Portfolios™ platform.

Joel Nance is a CFP® professional with 19 years of industry experience, currently serving as an advisor at TruePath Financial Planning since 2007. He holds Series 63 and Series 65 licenses and operates out of Albuquerque, NM. TruePath Financial Planning offers financial planning and portfolio management primarily for individual and high-net-worth clients, as well as 401(k) management services for businesses. The firm uses a long-term asset allocation strategy with a range of investment vehicles and allows clients to customize risk levels and exclude specific investments.

Nicholas Gordon is a CFP® with 14 years of industry experience, currently advising at SKG Capital Advisors, LLC in Albuquerque, NM. He has worked previously at Sklar Capital Advisors, Bold Financial Group, and National Planning Corporation. In addition to his advisory role, he is licensed as an insurance agent offering long-term care products. SKG Capital Advisors primarily serves individual and high-net-worth clients, as well as corporations and small businesses, providing discretionary portfolio management through a wrap fee program. The firm integrates financial planning and pension consulting with tailored investment strategies using fundamental, technical, and asset-allocation analysis.

Christopher Prien is a financial advisor with WaterRock Wealth Management in Albuquerque, NM, holding Series 63 and Series 66 credentials and 30 years of industry experience. He is also the CEO of Prien Insurance Solutions, LLC, where he oversees fixed, fixed indexed annuities, life insurance, and disability insurance sales. Prien has been involved with WaterRock since 2018 and has prior experience at Questar Capital Corporation and Alpha Solutions Management. WaterRock Wealth Management provides discretionary investment management and financial planning services to individuals and high-net-worth clients, managing approximately $153.7 million in assets. The firm emphasizes customized, long-term portfolios primarily using low-cost mutual funds and ETFs and employs a combination of fundamental, technical, cyclical, and charting analyses in portfolio construction.

Andrew Melendrez is a financial advisor at Finance Wisdom with Series 63 and Series 65 designations and one year of industry experience. He has held roles at Finalis Securities LLC, Now Cap LLC, and Finance Wisdom LLC. Outside of his advisory work, he serves as a director at Now Capital Partners, where he is involved in investment banking activities focused on assisting business owners with mergers and acquisitions. Finance Wisdom LLC provides discretionary portfolio management and financial planning services to individuals, families, and businesses. The firm manages approximately $58.4 million and employs diversified investment strategies primarily using low-cost ETFs and mutual funds with a discretionary management approach.