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Kevin A. Brown - Financial Advisor

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Albuquerque, NM
Kevin A. Brown - Financial Advisor

Protection, Asset Management, Income for Retirement, Leave a Legacy I am an Independent Financial Advisor who works exclusively for my clients.

Over the years I have gravitated towards helping people on both the offensive as well as the defensive areas of financial planning. Being an Independent Financial Advisor, I am able to give unbiased recommendations and impartial guidance based on every client’s individual and unique needs and goals. I am not pressured by corporate interests and therefore not forced to sell any proprietary products or meet any sales quotas. I am able to focus exclusively on what’s best for my clients and their financial goals without exceptions. I help people insure against what can go wrong so they have the opportunity to invest for what can go right. This is the essence of any stable financial plan. I work with people to protect their most valuable asset which is their ability to earn an income and then help them invest so they can reach financial goals such as enjoying a dignified retirement and educating their children. Born in Roswell, New Mexico I came to Albuquerque in 1981 to attend the University of New Mexico on a Presidential Scholarship. My passion in college and still today is playing the drums. I am also an avid cyclist riding over 100 miles per week. In fact, I have met some of my best friends through a combination of my business and the bikes. I started a love affair with my wife, Jenny, back in 1982 and today we have three sons and are always on the go! Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, and Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Gateway Financial Advisors, Inc., and Cambridge Investment Research, Inc. are not affiliated.

09/22/2026

Business owners face all sorts of challenges that most people never think about. But that list of challenges doesn't usually shrink as they get closer to retirement. If anything, it gets even larger. That's because business owners have to start thinking about:

-How to determine the value of their business
-How to find a buyer or family member to transition to
-Choosing the right time to sell
-Determining whether selling your business will bring in enough proceeds to fund your retirement and other financial goals.

According to Gallup, 74% of employer-business owners plan to sell or transfer ownership one day.

But 65% of those business owners don't have a succession plan in place.

And 98% of small business owners don't know the value of their own companies.

If you are a business owner, there are few things you can do that are more important than creating a formal, WRITTEN transition plan.

But what does a business transition plan actually cover?

First, an effective plan should include a thorough analysis of your business, including its:

-Finances and management structure
-Team roles and responsibilities
-Competitive environment
-Unique value proposition, plus branding strengths and weaknesses
-Ideal customer profile
-Basic policies and procedures for ensuring smooth day-to-day operations.

Basically, it should show what your business needs in order to be successful. Think of it as an inventory of what you have to work with.

Next, it should address the most important needs you'll have when it comes to selling or transitioning your business:

-How to ensure the orderly payment and transition of ownership/management to your successor/heir.
-How to minimize the taxes that come from selling your business, for all parties involved.
-How to ensure you have sufficient assets to pay estate taxes or to provide necessary liquidity to the business during the transition period.

Business owners often don't have much time to think too far ahead, and this is just scratching the surface. But if you are a business owner who does not yet have a transition plan, I cannot recommend this strongly enough: Get started on one before the year is out.

It is such an incredible secret weapon for ensuring that your company remains viable in the long run, that you can always take care of your customers and employees, and that you can personally derive the maximum value from your business one day.

Sources:
- https://news.gallup.com/poll/657362/small-business-owners-lack-succession-plan.aspx

- https://www.investmentnews.com/retirement-planning/most-potential-business-successors-think-theres-a-plan-but-owners-say-otherwise/267296

- https://www.cnbc.com/2022/07/17/most-business-owners-dont-do-the-math-on-their-most-valuable-asset.html

09/16/2026

September is "Life Insurance Awareness" month!

Here's a comment I often hear:

"There are too many options for life insurance! It's impossible to know which one to choose."😭

Trust me... You're not alone. 👇

More than half of Millennials haven't gotten coverage because they don't know which type or how much insurance to buy, according to one study. (https://www.limra.com/en/research/research-abstracts-public/2018/2018-insurance-barometer/)

Yes, there are a variety of options, but that should be viewed as a way to tailor coverage to meet your individual needs — not as a deterrent to working toward securing your financial future.

In general, there are two major categories of life insurance — term and permanent.

🤔So which one makes sense?

It all depends on your needs.

You can think of the difference as: renting (term) vs. buying (permanent).

Term: If your primary goal is to provide for your family in case of an unexpected death, and you want to cover this risk for a fixed number of years (such as until your children are grown), then term insurance is likely the most appropriate option.

Permanent: On the other hand, if your goal is to provide for a lifetime need, or you have other potential goals, such as wealth transfer or potentially covering a long-term care need, permanent insurance may be more appropriate.

09/14/2026

On August 3rd, 1978, President Jimmy Carter declared that the first official National Grandparents Day would be celebrated on September 13th. In the proclamation, he stated:

"Our nation was shaped by the wisdom and courage of our founding fathers, and by the steadfastness of succeeding generations who have sustained their vision through two turbulent centuries of challenge and growth.

Each American family is similarly shaped and guided by its forbears. Just as a nation learns and is strengthened by its history, so a family learns and is strengthened by its understanding of preceding generations. As Americans live longer, more and more families are enriched by their shared experiences with grandparents and great-grandparents.

The elders of each family have the responsibility for setting the moral tone for the family and for passing on the traditional values of our Nation to their children and grandchildren. They bore the hardships and made the sacrifices that produced much of the progress and comfort we enjoy today. It is appropriate, therefore, that as individuals and as a nation, that we salute our grandparents for their contribution to our lives."

In honor of Grandparents Day, I asked a few people I know who are grandparents what words of wisdom they would share with the next generation. Here's what they said:

"Never quit trying."

"Embrace a set of standards and a philosophy for life that you can live by and stand fast by it throughout the rest of your life."

"Stay positive and life will be happier."

And my personal favorite:

"Listen to your elders, 'cuz they been there and done that."

Happy Grandparents Day!

09/11/2026

Everyone knows that, twenty-five years ago, when the first plane struck the North Tower in New York City, professional first-responders all raced into action. Fire trucks, ambulances, police cars, and more weaved through traffic without a second's hesitation.

But what most people don't know is that something else was streaming towards lower Manhattan that morning:

Boats.

It started with Captain Richard Thortnton, ferrying commuters over the Hudson River. Seeing the smoke coming from the North Tower, he instantly knew what to do.

"We immediately just took off. We stole the boat…we didn't tell anybody," he later said.

As he approached, Thornton saw the second plane hit. Despite feeling overwhelmed, he docked his boat at the closest pier to Wall Street. Hundreds of people "swarmed onboard, filling it well beyond its 399-person capacity." Thornton dropped them off in Hoboken, New Jersey, and then immediately turned back for another trip.

But this time, he was not alone.

A radio call had gone out for "all available boats." With Manhattan essentially sealed off, the water was the only way out. So, within minutes, ferries, tugboats, private boats, party boats, and diving boats all arrived on the scene, evacuating hundreds of thousands of people to every other part of New York.

"If it floated, and it could get there, it got there," said one boat's engineer.

Another captain, in a documentary, later said, "I worked on the water for 28 years, I've never seen that many boats come together at one time that fast. One radio call and they just all came together."

Said a third captain, "I never want to say the words 'I should have.' Never go through life saying you should have. If you want to do something, you do it."

It ended up being the largest boatlift in history. Even larger than the one at Dunkirk in World War II, when the entire British army was evacuated from France.

Twenty-five years later, I think stories like this are the true legacy of September 11. Because while it took years of planning for the terrorists to express their hate, it took regular, ordinary people only seconds to decide to help.

May we never forget.

09/08/2026

If you think about it, almost every major holiday centers on gratitude.

Mother's and Father's Day, gratitude for our parents. Memorial Day, gratitude for those who gave their lives for our country. Independence Day, gratitude for our country itself. Thanksgiving, gratitude for everything. You get the idea.

It should come as no surprise, then, that Labor Day is also about gratitude. In this case, gratitude for many of the rights and privileges we enjoy today that came about thanks to the efforts of the labor movement. For example:

8-hour days & 40-hour work weeks. For much of our country's history, Americans performed backbreaking labor for 12 hours per day or more. Thanks to the labor movement, 40-hour work weeks became standardized and eventually codified into law. The time we have to see our families, engage in hobbies, read a good book, or even just enjoy a beautiful sunset is thanks to the labor movement.

Weekends. As you know, Labor Day is the first Monday of September. That means we get to enjoy a three-day weekend. But the very concept of a weekend is thanks to the labor movement! Huge, nationwide campaigns and marches around the turn of the 20th century gained Americans the right to a shorter workweek. TGIF? Workers had to fight for those letters to mean anything.

Sick leave. Without paid sick leave, most Americans wouldn't have the means to heal from their illnesses, injuries, and accidents. Nowadays, we consider this a basic human right – a right we wouldn't have without the Labor Movement.

Safe working conditions. On March 25, 1911, a fire broke out at the Triangle Shirtwaist Factory in New York City. The factory's owners escaped. Most of the factory's workers, mainly women, did not. Due to locked doors, blocked fire escapes, and flammable surroundings, 146 laborers never returned home that day.

In the 21st century, none of us would want to work in a place that was fundamentally unsafe. None of us would want to work where disease and disaster were rampant.

In the 19th century, most workers had no choice. Thanks to their sacrifice, we do.

Just as we give thanks to the Founders for our country, soldiers for our safety, and parents for our lives, so too should we thank the workers and laborers who came before us. The men and women who, thanks to their efforts, made life more worth living.

Happy Labor Day!

08/26/2026

August 26th is Women’s Equality Day

Today we celebrate the monumental progress women have made throughout history.

A few milestones include:
1851: Sojourner Truth’s “Ain’t I a Woman” speech was delivered during the Ohio Women’s Rights Convention on May 29th.

1869: Susan B. Anthony and Elizabeth Cady Stanton founded the National Woman Suffrage Association.

1920: After a 72-year fight, the 19th Amendment passed and on August 18th went into effect in the United States of America, women win the right to vote!

1963: On June 10th, John F. Kennedy signed the Equal Pay Act prohibiting discrimination on account of s*x in the payment of wages by employers.

1971: The Women’s Political Caucus was founded on July 10th, by Shirley Chisholm, Gloria Steinem, Bella Abzug, Fannie Lou Hamer, Mildred Jeffery, Florynce Kennedy, Jill Ruckelshaus, Ruth E. Shinn and Betty Friedan among others. Their goal was to support, recruit, and train women who were seeking space in public office.

Gloria Steinem also started Ms. Magazine this same year – who’s focus was on openly addressing and discussing women’s issues.

1981: On September 25th, Sandra Day O’Connor becomes the first woman appointed to the US Supreme Court.

2020: Kamala Harris becomes the first female Vice President of the United States on November 3rd.

08/24/2026

For many young adults (19-25), planning for retirement is not a priority and the thought of investing can be daunting.

However, investing at an early age is how you can help pave the way to a successful financial future.

The younger you start, the more the compounding effect of money over time works in your favor.

“Compound interest is the 8th wonder of the world. He who understands it, earns it; he who doesn’t, pays it.” – Albert Einstein

08/21/2026

Over the course of my career, I’ve gotten more questions about retirement than I can count.

All are good questions; some are unusual. But some, I tend to get asked more often than others.

Over the next few months, I’m going to share the answers to some of these most frequently asked questions.

This week, let’s start with the question: “Will my Social Security benefits be subject to income taxes?”

08/17/2026

No matter how much you’ve saved, it can be surprisingly scary to realize you will need to start living off your savings in retirement.

Of course, your Social Security benefits will play a major role in covering your monthly expenses, and there are plenty of ways to generate income in retirement.

But still, realizing that your principal must now be earmarked for the present as much as the future can be a sobering thought.

Every retiree should have a strategy for WHEN they will withdraw money from their accounts, WHICH accounts they will draw from first, and HOW MUCH they should withdraw every month, quarter, and year.

There are many potential strategies to choose from, and a near-infinite number of ways to customize each strategy for you.

And while the strategy you choose should be carefully crafted based on your own personal needs and goals, here are a few basic approaches to get you thinking.

08/13/2026

Benjamin Franklin once wrote, “For age and want, save while you may; no morning sun lasts a whole day.”

While there are hundreds of financial strategies out there, none are more powerful than the most basic: Save what you can, as early as you can, as often as you can.

But even though the concept of saving is basic, that doesn’t mean there aren’t plenty of ways we can maximize our savings.

I’ve put together a few tips and suggestions on how we can help ourselves and our families save more consistently while also preventing money from slipping through the cracks.

Address

Albuquerque, NM

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 3pm

Telephone

+15052747886

Website

http://www.abqadvisor.com/

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