L & C Retirement Income Planners

As Heard On:

We are as concerned for your health as we are about keeping your money safe!
Our office is cleaned thoroughly after every appointment....
Just let us know if we can provide you with a personal mask and hand sanitizer.

Watch a quick video to learn about our
"Rock Solid Retirement Income Strategy".

Peace of mind that comes with retirement income that's guaranteed to last as long as you do!

About Us

Lawrence Castillo | LUTCF
Retirement & Income Specialist

Lawrence Castillo is President/Owner of L and C Retirement Income Planners and host of Safe Money & Income Radio in Albuquerque, New Mexico. Lawrence has worked in the insurance industry for over 39 years and proved himself as a reliable source of information in all facets of planning for a secure retirement. Serving as a member of the Life Insurance Underwriters, Lawrence excelled in estate planning and retirement income planning. He has taken his knowledge as a Moderator of 10 years and is currently a Retirement & Income Specialist.

Located in Albuquerque, New Mexico, Lawrence has lent his abilities to business owners, pre-retirees, and seniors and helped guide them away from common pitfalls in planning for retirement. He has a passion for helping individuals plan, manage, and protect their assets, and looks forward to each opportunity that allows him to share his knowledge.

schedule a time to meet with lawrence

Charlotte Castillo | Vice President

Charlotte Castillo is Vice President of L and C Retirement Income Planners, Inc. She has been in the Insurance Industry for over 16 years in both management and sales. She is a Presidents Club Member and has qualified for 13 National Conventions. She holds licenses in New Mexico, Arizona, Texas, and Virginia. She is an essential part of the retirement planning process in our agency meetings, record keeping and correspondence and the preparation of the Safe Money and Income materials.

Zeke Bucci-Torres | Associate

Associate/Advisor Zeke is passionate about people, he has made his career one of service. His career in the insurance industry has been to assist others and navigate the incredibly beneficial world of insurance. He is adept at listening and ascertaining needs in order to match his clients to the best insurance products for their goals which can range from providing income for their retirement to leaving a legacy for their loved ones. Earning many awards, he has been a recognized leader in the industry for over 15 years. Zeke and his wife Kim of 24 years have four amazing children.

“I got into annuities because at the time interest on principal was very high (14%). I did not understand nor trust the stock markets. I got into 10, 20 year annuities and they have all now been paid back and exhausted. This fortunately was just as my mortgage was paid off, so it was a wise investment, even though I did not plan the mortgage around this.”
-James, Santa Fe, NM

“Lawrence was recommended by a friend and I am so happy that I called him because I was complaining where I had my money. Now I feel I can sleep at peace because I get a check every month to help me travel all over the world.”
- Rose, Albuquerque, NM

Our Services
What We Do For Clients

Asset Protection

Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.

We specialize in helping retirees protect their retirement assets while continuing to move forward.

Family Legacy Planning

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!

We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.

Extended Care Solutions

Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.

The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.

Retirement Income

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.

We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you.

how can we help you?

Helping You Enjoy a Worry-Free Retirement

Listen Every Week!

KKOB 94.5 FM/770 AM
Sunday 12:00 pm

KTRC 103.7 FM/1260 AM
Saturday 1:00 pm

Red Money, Green Money

By: Lawrence Castillo

The Purpose of Money

By: Lawrence Castillo

Black Swan

By: Lawrence Castillo

Cliff Hanger

By: Lawrence Castillo

When it comes to getting safer with your retirement, sometimes the
first step is the hardest. We want to make it easy for you and take away the anxiety and uncertainty that often comes with working with someone new.

Now you can read all about Lawrence’s safe money strategies and how he’s helped hundreds of retirees just like you.

Did you know that Warren Buffet’s number one rule to investing is never lose money? He also has a second rule…

Learn more