Lynn B Thurgood

Personal Finance, Retirement, Investing
“With over three decades of experience in the financial industry, Lynn "B" Thurgood is committed to creating comprehensive retirement plans that minimize risk and protect assets to keep money "in the family".”

Oxford Wealth Advisors, LLC

Job Title:

President / Retirement Lifestyle Specialist


Lynn Thurgood’s accomplishments are impressive, but more importantly, his success is the direct result of hard work, persistence, and having a vision. In 1987, after witnessing his own family struggle financially Lynn made a commitment to himself to gain financial independence.  As a result, he started his own business from the ground up to serve and protect retirees and pre-retirees from retirement issues such as how to avoid paying unnecessary taxes, how to avoid probate, how to stretch assets to last an entire lifetime and how to avoid Medicaid spend-down when nursing home confinement became necessary.

Today, Oxford Wealth Advisors, LLC. continues to help hundreds of clients, throughout New Mexico and the Southwest, avoid these prevalent retirement pitfalls by building PATHways that brighten futures.

Lynn believes in community involvement.  He is a member of the Rio Rancho Regional Chamber of Commerce where he has served as Vice President, Board Member and Ambassador.  Lynn also served as commissioner with the City of Rio Rancho Planning and Zoning Department for about 5 years. In addition, Lynn has coached Boys and Girls Club Basketball, Little League Baseball, and supports the Boy Scouts of America program locally, having earned the Eagle Scout Rank as a young man. Lynn also participates, and actively serves in church activities.

Lynn married his wife Donna in 1980, and they have lived in Rio Rancho since 1985.  They have 2 sons and 1 daughter and 7 grandchildren. Family and Faith are the foundations of his life. Because of his passion, integrity, and commitment, Lynn is in high demand as a Financial Advisor.  He and his staff are committed to client satisfaction.

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    401(k), Stocks
Where should I move my 401(k) gains before the bull stock market ends, in preparation for a market crash?
53% of people found this answer helpful

If you are married a very unique way to get complete control of your 401K (while still employed and under the age of 59 1/2) is to employ a QDRO - Inservice Asset Release strategy.  In essence, you transfer up to 100% of the 401K into your spouses name as an IRA rollover under the authority of a properly executed QDRO (do not have to divorce to do this!).  You chose the custodian to execute this tax free (penalty free) transfer into.

If you are over 59 1/2 yrs old most 401K administrators allow what is called an “inservice transfer” to any IRA custodian of your choice (tax free / penalty free).  If you stay “IN” the current 401K you are going to remain exposed to the Wall Street Casino or have to move to Cash positions with very little growth.

Look into “active, tactically managed accounts” available through Registered Investment Advisors (and their Investment Advisor Reps).  These accounts utilize strategies for preservation and growth that are very different than the traditional “Buy and Hold, Asset Allocation, Modern Portfolio Theory” that continues to be preached by the Brokerage community.  These Active, Tactical strategies are flat fee accounts that have excellent (steady) growth records .... not the Roller Coaster of the “Buy and Hold” philosophy.

November 2017
    Debt, Personal Finance, 401(k), Stocks
Should I pay down my mortgage with assets from 401(k), stocks and savings?
33% of people found this answer helpful
November 2017
    401(k), Stocks, Taxes
How do I minimize the amount of taxes I pay when I sell shares from a former employer's 401(k) plan?
0% of people found this answer helpful
November 2017
    Career / Compensation, 401(k)
How wary should I be of 401(k) fees through my company's plan?
0% of people found this answer helpful
June 2017
    IRAs, Taxes, Retirement Plans
Should I open an IRA or a Roth IRA?
0% of people found this answer helpful
June 2017