Aaron Navratil
State(s) Licensed: CA Insurance Lic. #4455573, NC, NJ, NM, PA, TX, WA
100 Sun Ave NE Suite 650
Albuquerque, NM 87109
State(s) Licensed: CA Insurance Lic. #4455573, NC, NJ, NM, PA, TX, WA
After retiring from the Navy with over 20 years of service, I know the power of clear plans, steady leadership, and doing the next right thing. I chose to serve because I’m passionate about making a difference—whether through patriotism, serving the community, or by helping people reach their goals. I thrived in a highly structured, organized environment, and early in life, I was fortunate to be mentored and receive wise financial guidance that set me up for success—helping me make good decisions and think ahead.
Now I bring that same forward‑thinking approach to others—especially those who didn’t get a perfect start and who want to make a course correction but prefer to be guided by an expert navigator
Who I Serve
Retirees & Pre‑Retirees
You want income you can rely on, a tax‑smart withdrawal strategy, and a plan that adapts as life evolves. You may be asking when to claim Social Security, how to handle RMDs, whether Roth conversions make sense, and how to plan for healthcare and long‑term care.
Why I serve you: I’m passionate about helping people gain financial clarity and confidence. If you’re within 10 years of retirement—or already retired—and want practical steps to feel secure again, I’m here to help.
Parents Planning for College
If you’re balancing retirement goals with helping children or grandchildren through college, I can help you create a strategy that protects your future while supporting theirs. From 529 plans to tax‑efficient funding options, we’ll build a plan that keeps your priorities intact.
Why I serve you: I believe education opens doors—and planning ahead makes it possible without sacrificing your own financial well‑being.
Veterans & Military Families
As a Retired Navy Chief, I understand the rhythms of service life. I help you coordinate military pensions, TSP, and benefits with other savings, understand survivor and spousal options, and connect your service-earned benefits to a civilian‑life retirement plan that honors your values and supports your family.
Why I serve you: Service taught me the value of structure, discipline, and forward thinking. I’m passionate about helping fellow veterans and their families translate those same principles into financial success and long‑term security.
How I Help
- Retirement Income Planning
Turn savings into a sustainable, tax‑aware income plan aligned with your lifestyle and legacy goals.
- Social Security & Pension Coordination
Model claiming strategies and integrate pensions, annuities, and investment income to reduce surprises.
- Tax‑Smart Withdrawals & RMDs
Sequence accounts wisely, plan for required minimum distributions, and evaluate if/when Roth conversions fit.
- Healthcare & Long‑Term Care Readiness
Estimate costs, review coverage choices, and prepare for “what‑ifs” so decisions reflect your values—not panic.
- Right‑Sized Risk & Insurance
Keep the protection you need (and skip what you don’t) as life changes.
- Estate & Legacy Coordination
Align titling, beneficiaries, and charitable intent—working with the professionals you already trust.
It all starts with a plain‑English conversation and a simple game plan you can actually follow.
What It’s Like to Work Together
- Conversation & Fit Call (30 minutes) -- Share your goals, concerns, and what “a good retirement” looks like to you.
- Clarity Snapshot -- I map your income sources, taxes, healthcare, and risks—then highlight the few moves that matter most now.
- Your Retirement Playbook -- A step‑by‑step plan with priorities, timelines, and checklists so you always know what’s next.
- Ongoing Course‑Corrections -- Life changes. Markets move. We adjust together so your plan stays aligned with your values and goals.
To learn more about the privacy of your information, visit our Notice at Collection for California Consumers or our privacy policy.
Location
Albuquerque Office
- Phone:
- 505-271-0065