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About us

Retirement & Income Specialist

Lawrence Castillo

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.

Vice President

Charlotte Castillo

Charlotte Castillo is Vice President of L and C Retirement Income Planners, Inc. She has been in the Insurance Industry for over 19 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.

Founder of HLS Retirement Consulting, LLC

Heather Schreiber RICP

Medicare Insurance Broker

Robert Martinez

Hello, my name is Robert V Martinez; I am a licensed Medicare Insurance Broker working in the New Mexico, Texas and Arizona markets. With over 18 years of experience in the insurance field, I pride myself on my quick response to my client calls/texts and being contracted with all Medicare health insurance carriers in the areas I service. Being contracted with all the carriers I can assure you non-biased guidance in choosing the best plan that meets your financial and healthcare needs. It is my goal to work closely with my clients and really get to know what your individual needs are, that way I can provide the best solutions.

Originally born in California, we moved to Taos, NM when I was 11 years old. I have been here ever since; I have raised a family here and enjoy the occasional golf game and hiking.


We are ready to serve you

Bill, Socorro, New Mexico

A 6 year friendship has changed my future.  With a measly 25 year retirement of $2,500 per year from Education and$1,000 monthly from Social Security.  One cannot retire when he lives in an escalating price world and this was not enough for future living.   I always save my money whenever I received paychecks.

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Lawrence provided me respectful retirement earnings with no market risk annuity investing.  He has locked earnings into monthly checks that provide me with earnings much better than Public Education and Social Security could ever provide me.  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 wisdom of “No Stocks Investing”  but instead “Annuity Safe Investing”.

Rose, Albuquerque, 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.

Alex, Albuquerque, NM

I invested in an annuity after the sale of my rental property and after one year my annuity grew by 10%.  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 worry’s about tenants and rental problems.


Happy Clients


Years of Industry Experience
Clients that have lost money


Learn more from Lawrence’s articles

Lawrence L. Castillo Achieves CFF® Advisor Certificate

Should Your Portfolio Include A Deferred Income Annuity

Helping Baby Boomers Plan For A Successful Retirement

Lawrence Announces Partnership with National Nonprofit (F4FI)