New Mexico Retirement Income Planning & Insurance Strategies

Helping our clients get closer to achieving their retirement income goals.

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Customized Strategies for Your Unique Retirement Needs

For nearly four decades Lawrence Castillo of L & C Retirement Income Planners has been helping his clients retire with improved financial confidence. He helps them prepare for living on a fixed income in retirement by offering strategies to create a guaranteed income stream for life. He also helps them address their legacy and health care concerns. His goals is to help all clients prepare for the future without relying on the uncertainty of the stock market.

Legacy Planning

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Retirement Income Planning

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Long-Term Care Strategies

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We Help You Answer the Tough Questions

You have likely spent the majority of your life working and providing for you family. Now that you are getting closer to retirement, you might be wondering…


  • Will I have enough income in retirement?
  • How do I leave a legacy for my loved ones?
  • What are my long-term care insurance options?


When you work with L & C Retirement Income Planners, we can look at your unique situation and see if insurance strategies can meet your goals for the future. Insurance strategies are designed to offer protection, potentially reduce risk and give you stability when you need it most. 


We’ve worked with hundreds of clients in New Mexico and beyond over the years. The majority of our clients want to mitigate risk and reduce exposure to the stock market, and instead focus on protecting assets and creating a guaranteed income stream they cannot outlive. If protection strategies sound appealing to you, let’s talk. We want to help you retire with increased confidence!

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Don’t Just Take Our Word for It: See What Our Satisfied Clients Have to Say About Our Firm

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    “A six-year friendship has changed my future. With a 25-year retirement from Education and monthly Social Security, one cannot comfortably retire when he lives in an escalating price world and this was not enough for future living. I always saved my money whenever I received paychecks.


    Lawrence provided me respectful retirement earnings in a no market risk annuity. He has locked earnings into monthly checks that provide me with sufficient retirement income. They were God sent to help my future retirement needs. I thought I was going to retire from my golfing skills! Boy was I wrong. I am retired from hard work at age 70 ½ and thanks to Lawrence Castillo’s knowledge in retirement income planning.’” 


    ~ Bill, Socorro, New Mexico


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    “I got into annuities because at the time, interest on principal was very high. I did not understand nor trust the stock markets. I purchased annuities and they have all now been paid back and exhausted. This fortunately was just as my mortgage was paid off, so it was a wise retirement strategy, even though I did not plan the mortgage around this.” 


    ~ James, Santa Fe, NM

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    “My husband received a mailer from Lawrence Castillo several years ago when he was concerned with his retirement. After he reviewed my husband’s retirement, there was no need to change anything. I was also a bit scared about my 401(k) because I was losing money in the stock market. Lawrence helped me rollover my 401(k) into a no-risk annuity and I can now sleep at night knowing that I will have all my money for retirement.” 


    ~ Patsy G., Santa Fe, NM

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    “Lawrence was recommended by a friend and I am so happy that I called him because I was complaining where I had my money. Now I feel I can sleep at peace because I get income from an annuity every month to help me travel all over the world.” 


    ~ Rose, Albuquerque, NM

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    “I purchased an annuity after the sale of my rental property and after one year my annuity grew. I took the lifetime income at 70 ½ to begin supplementing my income. The income gave me the equivalent of the rent I was collecting with no more worries about tenants and rental problems.” 


    ~ Alex, Albuquerque, NM

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    “When my husband was getting ready to retire, he told me he wanted to talk to an old high school friend who was in the retirement planning business. I told him I didn’t think we had accumulated enough money to bother with. He insisted, saying it wouldn’t cost us anything to find out. I’m happy to say that I was wrong. Lawrence was able to set up an annuity with the money we had saved, giving us an income for life.” 


    ~ P. Sandoval, Rio Rancho, NM

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    “After the loss of money and the many investments, my brother referred me to Lawrence. Lawrence recommended a no-market risk retirement plan which included the use of annuities and life insurance. To date, I feel that my retirement income has been greatly maximized.” 


    ~ Jose, New Mexico

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    “In 2009, I changed jobs and rolled over my 401(k) to an annuity.. I’m so happy to have protected my retirement income instead of taking a risk with the Mutual Funds they were in.” 


    ~G.V., Albuquerque, NM

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These testimonials were given by a current clients. The clients received no cash or non-cash compensation for this statement. All statements from these clients were not altered in any way. The testimonial may not be representative of the experience of other customers. The testimonial is no guarantee of future performance or success. 

Experience the Difference

When you work with our firm, we follow simple five-step process designed to streamline retirement income planning. We want to make sure you fully understand what is being recommended and how it can support your overall financial life before taking any action. Our process includes:

1. Get to Know You 

We meet and learn about your goals. 

2. Analyze

We analyze what you have in place and what is missing.

3. Recommend 

We make recommendations based on your goals.

4. Implement

We put the recommended strategies in place.

5. Review

We periodically review and make adjustments as needed.

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. Download your complimentary copy to learn more!

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