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Wealth Management and Financial Planning in Santa Fe, New Mexico

Focused on Generating Value for You

For more than 30 years our guiding principle has been that all financial advice should be made strictly in the best interest of the clients we are privileged to serve.

Our mission is to give you peace of mind and reduce the worry in your financial life. We do this by bringing together our team of CPAs, CFPs, CFAs, and estate lawyers to focus on optimizing your financial wellbeing.

Your Ideal Future

Financial Health Assessment

Our proprietary assessment and process covers ten key financial planning disciplines. This doctrine provides an objective and comprehensive review of your current state. It helps prioritize what aspects of your financial situation need attention and formulate optimal planning strategies within each discipline.

Savant’s Ideal Futures Financial Health Assessment℠ serves as a diagnostic tool to identify if you are leveraging all the financial strategies and tools available. This unique process ensures a holistic view of your entire life, and every aspect is considered in your overall evaluation. It identifies needless risk and helps you prioritize the most important opportunities to closely align your decisions and assets with your goals.

Health & Wellbeing

The state of your health and wellbeing can impact whether or not you reach and enjoy your goals. Identifying risks related to disability, along with your mental and physical health, helps build a plan that can illustrate strategies to support your wellbeing now and in the future.

Retirement Planning

Without a well-designed retirement plan, it may be challenging to maintain your lifestyle in retirement. Designing an appropriate retirement strategy involves reviewing savings, income sources, and cash flow and optimizing distributions from your investment portfolio (if already retired). By formalizing your retirement plan, you can gain clarity to determine if you are on track to live the retirement you want.

Risk Management & Asset Protection

If you don’t have appropriate insurance, you may not be efficiently protecting the people and things that are important to you. Maintain an appropriate amount of insurance by regularly evaluating your needs, policy types, coverage amounts, beneficiaries, and other factors to help ensure you are protected when you encounter obstacles and detours on the way to your ideal future.

Debt Management

Debt can hinder you from achieving your long-term goals. While debt can be a prudent financial tool, it can cause significant financial distress if not properly managed. With a strategic plan, you can understand how much debt you can afford, how to use debt in a way that is tax-efficient, and ensure that the terms and rates are appropriate for your financial situation.

Education Planning

If putting your children or grandchildren through higher education is important to you, you’ll want to take advantage of all available education planning strategies while you’re balancing saving for retirement. An education plan helps you assess how much it may cost in the future and determine the best ways to fund this expense in a tax-efficient manner.

Income Tax Planning

Tax advice is not the same as professional tax preparation. Tax advice involves working with a knowledgeable advisor to proactively look for strategies designed to minimize current and future tax liabilities. Optimizing your tax situation is an important part of a well-designed financial plan, assuring you pay no more taxes than you are legally required to pay.

Investment Planning

A sound investment strategy assures you make sufficient returns to meet your goals while not taking excessive risk that can cause needless anxiety. Specifically, a well-executed investment plan reviews the appropriate amounts of risk, builds an optimal portfolio allocation, mitigates taxes, benchmarks performance, understands overall costs, and assures proper liquidity.

Charitable Planning

An optimized giving plan will help you leverage your charitable giving to create impact for the organizations and causes you care about. Being deliberate with your giving can assure your philanthropic strategies align with your values and goals, while also maximizing opportunities to reduce current and future income and estate taxes.

Business Planning & Succession

If you’re a business owner, your business plan should be optimally integrated with your personal financial plan. The two plans should be aligned so that both are working together toward achieving your long-term goals. Your business will likely impact all the other areas of your financial life, so coordination is critical.

Estate Planning & Administration

If you die without an estate plan, your family may end up paying needless tax and legal bills, while your estate becomes a matter of public record. An estate plan assures that your assets are distributed in a manner that perpetuates your values, protects your heirs, reduces or eliminates estate taxes, diffuses family conflict, and makes the administration of your estate simple for your family.

Services Offered in Santa Fe

Financial Planning

A solid financial plan serves as an important guide in decision making, planning for both the expected and unexpected, and measuring progress. Helping you define your vision and goals and working with you to develop your unique plan to achieve them is something we take very seriously.

Individual Wealth Management

For those seeking to outsource their financial needs, we combine our full suite of financial planning services with evidence-based portfolio management. We start with the creation of a financial plan so we can help you determine the level of risk you need to take with your investments. We address cash flow needs, tax minimization strategies, and estate and legal goals as well as your insurance needs.

Business Owner Wealth Management and Company Retirement Plans

Because business owners often have their wealth tied up in their business, we add wealth diversification, wealth extractions, and tax minimization strategies to our individual wealth management services. We bring in our business CPAs and Company Retirement Plan service team to create value for business owners.

Who We Serve for Wealth Management

Whether providing you advice regarding investments, tax strategy, retirement planning, estate and trust planning, business succession, or philanthropy, our team of specialists can help you move closer to achieving financial independence. Our wise counsel will provide ongoing professional guidance and oversight to help you reach your goals.

Diversifier

Business Owners

We understand that your business has three functions: serve your clients, serve your employees, and serve your family. Too many times serving your family is neglected, so we help business owners focus on maximizing their after tax wealth.

Retired Couple Smiling After Retirement Planning

Pre-Retirees & Retirees

We combine our portfolio and investment management services with a suite of financial planning expertise and services. We identify gaps in your financial plan and determine your cash flow needs, tax minimization strategies, and estate or wealth transfer solutions.

Accumulator

High Income Households

On a very select basis, we offer an Accelerator Program service for young, aggressive savers who do not yet meet our minimum annual fee required for our comprehensive service.

Savant's Project-Based Financial Planning

Broad-Based Financial Plan

Our Broad-Based Financial Plan is designed for those who would like us to analyze every aspect of their personal finances. The plan typically requires 40 to 60 hours to prepare and present.

We charge a flat one-time fee for this service.

Goal-Planning Service

For clients who solely want to know if they are on track to meet their retirement goals, we offer our Goal Planning Service. This service determines where you are and what needs to be done (such as changing saving, spending, retirement dates, and investment risk) to achieve your goals.

We charge a flat one-time fee for this service.

Second Opinion Service

Getting a second opinion or having a one-time project completed to add value to your financial plan is an option too.

We will provide an estimate of the cost and you decide if you want to use us to provide customized recommendations incorporating your unique situation.

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DonDuncanPortrait

Meet Your Local Advisor:
Don Duncan

Don lives in Santa Fe with his wife Cindi. He is an active member of the community and member of the Santa Fe Chamber of Commerce. Don is focused on personal improvement by interacting with people, reading, and living new experiences. Recreationally, Don enjoys outdoor activities like backpacking, fishing, hiking, bike riding and traveling to new places. Utilizing Don’s teaching and public speaking experience, Savant Wealth Management also conducts customized seminars to business employees and association groups.

Don’s
Motivation

Early in Don’s life he was involved in an automobile accident that severed his tongue. He endured numerous surgeries and spent many years in speech therapy striving to overcome this obstacle so that it would not become a handicap. Don uses his long-term persistence and dedication of purpose to help clients overcome obstacles and achieve their lifetime goals.

Don’s
Experience

Don Duncan in Nature

Financial Planning Experience

During his 16+ years with Northern Trust, Don managed over $8 billion in various portfolios and served as a member of the division’s risk management team. Don is focused on being educated so that he can provide the best ideas to help clients achieve their goals. To this end, Don received his Certified Public Account (CPA) designation in 1985, earned his Master of Business Administration (MBA) from DePaul University in 1987, and became a Chartered Financial Analyst (CFA®) in 1992. In 1997, he earned the Certified Specialist in Estate Planning (CSEP) designation and earned his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2001. Don is also a NAPFA registered financial planner and earns at least 30 hours of continuing education credits to stay current with financial planning topics, taxes and investments. With his strong convictions about education, Don taught Financial Planning at DePaul University and Portfolio Management at Lewis University.

Business Experience

Because Don had his own successful business for 21 years, he knows what motivates business owners and how they think. That is why Don will not take on a business owner as a client unless he is convinced he can add value to their personal lives.

About Savant Wealth Management

Savant Wealth Management is a leading independent, nationally recognized, fee-only firm serving clients for over 30 years with more than $11 billion in assets under management and assets under advisement (as of 6/30/2021). As a trusted advisor, Savant Wealth Management offers investment management, financial planning, retirement plan and family office services to financially established individuals and institutions. Savant also offers corporate accounting, tax preparation, payroll and consulting through its affiliate, Savant Tax & Consulting.

Savant Wealth Management (“Savant”) is an SEC registered investment adviser headquartered in Rockford, Illinois. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy, including the investments and/or investment strategies recommended and/or undertaken by Savant, or any non-investment related services, will be profitable, equal any historical performance levels, be suitable for your portfolio or individual situation, or prove successful. Please see our Important Disclosures.