Welcome to L&C Retirement Income Planners, Inc.

Helping You Secure Financial Peace-of-Mind

Reduce Your Financial Risk In Retirement

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About Us

Who We Are At L&C Retirement Income Planners, Inc.
Doug Voss

Lawrence Castillo, LUTCF
Retirement & Income Specialist

Lawrence Castillo is President/Owner of L and C Retirement Income Planners and host of Safe Money & Income Radio in Albuquerque, New Mexico. Lawrence has worked in the insurance industry for over 39 years and proved himself as a reliable source of information in all facets of planning for a secure retirement. Serving as a member of the Life Insurance Underwriters, Lawrence excelled in estate planning and retirement income planning. He has taken his knowledge as a Moderator of 10 years and is currently a Retirement & Income Specialist.

Located in Albuquerque, New Mexico, Lawrence has lent his abilities to business owners, pre-retirees, and seniors and helped guide them away from common pitfalls in planning for retirement. He has a passion for helping individuals plan, manage, and protect their assets, and looks forward to each opportunity that allows him to share his knowledge.

Doug Voss

Charlotte Castillo

Charlotte Castillo is Vice President of L and C Retirement Income Planners, Inc. She has been in the Insurance Industry for over 16 years in both management and sales. She is a Presidents Club Member and has qualified for 13 National Conventions. She holds licenses in New Mexico, Arizona, Texas, and Virginia. She is an essential part of the retirement planning process in our agency meetings, record keeping and correspondence and the preparation of the Safe Money and Income materials.

Doug Voss

Zeke Bucci-Torres

Associate/Advisor Zeke is passionate about people, he has made his career one of service.  His career in the insurance industry has been to assist others and navigate the incredibly beneficial world of insurance.  He is adept at listening and ascertaining needs in order to match his clients to the best insurance products for their goals which can range from providing income for their retirement to leaving a legacy for their loved ones.  Earning many awards, he has been a recognized leader in the industry for over 15 years. Zeke and his wife Kim of 24 years have four amazing children.

Our Financial Services

What We Do For Clients At L&C Retirement Income Planners, Inc.

What We Offer

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought. That’s why we make income planning our top priority at our firm.  We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check. If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservation of your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed! Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one! We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account. Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have? We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools. Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis. Contact our office today to schedule a one-on-one estate planning consultation.
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs. Here are four things you can do with the money in your employer sponsored retirement plan:
  • Leave the money where it is
  • Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
  • Transfer the money to another employer-sponsored plan (if the plan allows)
  • Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!

Safe Money Radio

Lawrence Castillo On Air

“I got into annuities because at the time interest on principal was very high (14%).  I did not understand nor trust the stock markets.  I got into 10, 20 year 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 investment, even though I did not plan the mortgage around this.”

James, Santa Fe, NM

“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 a check every month to help me travel all over the world.”

- Rose, Albuquerque, NM

Contact Us

How Can L & C Retirement Income Planners, Inc. Help You?

How Can We Help You?

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L&C Retirement Income Planners, Inc. 4801 Lang Street NE Suite 100 Albuquerque, NM  87109 (505) 798-2592