Financial Design & Research
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About
Financial Design & Research provides investment management, financial planning, wealth management, and consulting services tailored mainly to institutional and organizational clients such as pension- and profit-sharing plans, small and family businesses, non-profits, and tribal entities, while also offering services for individuals and households. The firm also conducts client‑tailored consulting engagements and runs public and private educational workshops and seminars for groups and the general public.
The firm implements advice through written investment policy statements and customized asset allocation, with an emphasis on risk management over time and discretionary portfolio oversight; implementation and custodial arrangements are documented in written agreements. In addition to customary asset‑based management, Financial Design & Research offers alternative engagement and billing options for planning and consulting work, including hourly, capped‑hourly, and time‑and‑material arrangements for seminars and tutorials.
What is distinctive about the firm is its regular provision of educational seminars—including pro bono offerings—and its explicit focus on organizational clients (notably tribal entities, non‑profits, and educators) for financial planning and operational consulting such as cash‑flow forecasting and IPS development. The combination of institutional consulting, public education programs, and flexible, non‑AUM billing structures is less common among investment managers that primarily rely on percentage‑of‑assets fees.
Client services
Expertise
Occupation focus
Fee options
Financial Planning flat fee: initial fee minimum $3,000 up to $50,000; renewal fee minimum $2,400 up to $40,000 annually
$0 - $500,000: Individuals: 1.00% (Stock & Balanced Portfolio), 0.60% (Fixed Income Portfolio); Others: 1.00% (Stock & Balanced Portfolio), 0.75% (Fixed Income Portfolio) $500,001 - $2,000,000: Individuals: 0.85% (next $1,500,000 Stock & Balanced Portfolio), 0.50% (next $1,500,000 Fixed Income Portfolio); Others: 0.95% (next $1,500,000 Stock & Balanced Portfolio), 0.65% (next $1,500,000 Fixed Income Portfolio) $2,000,001 - $5,000,000: Individuals: 0.80% (next $3,000,000 Stock & Balanced Portfolio), 0.40% (over $2,000,000 Fixed Income Portfolio); Others: 0.90% (next $3,000,000 Stock & Balanced Portfolio), 0.55% (over $2,000,000 Fixed Income Portfolio) $5,000,001 - $10,000,000: Individuals: 0.75% (next $5,000,000 Stock & Balanced Portfolio); Others: 0.85% (next $5,000,000 Stock & Balanced Portfolio) >$10,000,000+: Individuals: 0.60% (Stock & Balanced Portfolio); Others: 0.75% (Stock & Balanced Portfolio)
Financial planning hourly fee ranges from $300 to $600 per hour; minimum 5 hours per engagement
Account minimum: $250,000 (ordinarily, but may be waived or reduced at discretion) Fee-only: Flat fees for financial planning: initial fee $3,000 minimum up to $50,000; renewal fee minimum $2,400 up to $40,000 annually; hourly fees $300-$600/hour with minimum 5 hours; capped hourly fee also offered; consulting fees negotiable ($600-$25,000 for investment consulting; $600-$2,500 for business/non-profit consulting); seminar/workshop fees negotiable per agreement
Main office
Albuquerque NM
Advisors at this office
1
Most active in
New Mexico
Also doing business as
Financial Design & Research · Financial Design And Research, LLC
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
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Broker-dealer / trader
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Bank
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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