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Jose Sanchez

Personal Finance, Retirement, Lifestage Based Planning
“Jose (V) Sanchez, CFP® is invested in providing personalized strategies for managing & protecting wealth and helping people create awesome futures!”

Jose (V) Sanchez, CFP®

Job Title:

Jose (V) Sanchez, CFP®


Since 2004, Jose Sanchez, CFP® , has been helping individuals plan for retirement. After being recruited by a major financial services company during his graduate work the University of New Mexico, Jose quickly learned the ins and outs of Wall Street and the insurance industry. Unimpressed with the industry's standard of not always serving the client's best interests, Jose resigned from his position. Disenchanted and searching for a better way to make an impact, he implemented the Kaizen methodology to his professional life. His goal was simple: he wanted to make an impact on his community by sharing smarter strategies for managing and protecting wealth to those who have worked hard and value their money, so that they, too, can experience less stress and focus on those issues that mean most to them.

Ever since then, his firm has worked tirelessly to realize this goal. Jose feels that every day he is entrusted with taking care of those who have worked hard for their money and providing them with a more enjoyable life through smarter investment solutions. Jose has a three-pronged plan for working with potential clients:

  • First, he clarifies his fee structure and explains the different ways he can help.
  • Then, he analyzes your goals and compares them to your current portfolios 
  • Finally, he recommends a values-based strategy designed to meet your risk tolerance, even if you do not become a client.

As a Jose is a Certified Financial Planner™ Practitioner, Jose is happy to answer questions and help with investing, taxes, retirement, and/or estate planning.

Outside of his work, Jose believes in doing good.  He has volunteered with Albuquerque Reads, the NM Veterans Integration Center, and HRMA/SHRM, as well as other education bases programs. He also enjoys spending time with his wife, Jasmin, and their three children.

CRD Number:



Jose V. Sanchez, CFP®




Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. 

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that RWA and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.

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November 2018
    Insurance, End of Life, Life Insurance

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    Career / Compensation, Retirement, Annuities, Choosing an Advisor, IRAs
Should I convert my 403(b) account to a traditional IRA?
100% of people found this answer helpful

Congratulations on your Retirement and thank you for serving through Education. 

While there is good reason to move your 403(b) to an IRA, I would use caution in moving ALL of it to an annuity company.  There are several types of Annuities and several more annuity companies.  All come with different bells and whistles.  I am in favor of moving your money away from the 403(b).  I am not yet sold on the idea of moving it to an annuity company.  

Lets dig deeper.

Most annuities are like a Swiss Army knife, they do many different things.  Unfortunately, many don't do anything one thing very well. Moreover, Insurance "Fat Cats" make a big commission and often push the product that best benefits their pockets with little to no regards to your solution.  Lets focus on your solution...  

Define Your monies "Clarity of Purpose"

Ask your self, what is the money for?  

In choosing what to do with your money I suggest defining a clarity of purpose of your money.  Most people who ask "should I convert my 403b account to a traditional IRA" are often looking for clarity on income planning or solving for the income gap.  

Ask your self, "what am I solving for?"  It is likely one of the three.

  1. Solving for the Income Gap 
  2. Solving for Growth 
  3. Solving for Legacy 

If you are solving for the income gap, you can use the best annuities or fixed income solutions out there that give you the most income with the lowest amount of money to guarantee your income need.  You may find that the best income annuities may have no fees, or reasonable fees that make the benefit worth while.  Some annuities pay no commission and are a Flat Fee of $250 annually regardless of your balance.   

How To Best Solve for the Income Gap 

Define your Annual Income Goal (AIG):

Subtract your Guaranteed Annual Income (GAI)

(i.e. Social Security, Government Pension, other income):

The formula looks like this:          AIG - GAI = Retirement Income Gap

for example, you need $100,000 in retirement and your Guaranteed Annual income is $75,000...

$100,000 - $75,000 = a Gap of $25,000 

You are solving for an income solution of $25,000 and are best to do this with the least amount of your retirement money.  


With love and regards,


Jose Sanchez, CFP®

October 2018
    Bonds / Fixed Income, Starting Out
Why does a bond lose value due to government interest rate increases and advancing market conditions?
100% of people found this answer helpful
October 2018
    Banking, Career / Compensation, Debt, 401(k), IRAs
What account should I use to finance my home improvement project?
100% of people found this answer helpful
October 2018
    College Tuition, Investing, Mutual Funds, Stocks
Is my money in the right place for a college student with a moderate amount of savings?
100% of people found this answer helpful
October 2018
    Financial Planning, Retirement, 401(k), ETFs, Mutual Funds
How can I leverage my retirement accounts and consider new investments to ensure that my family is set for retirement?
100% of people found this answer helpful
December 2018