Knight Financial Limited

Knight Financial Limited Wealth Management
Retirement Planning Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Cambridge and Knight Financial are not affiliated.

When one partner earns significantly more than the other, money conversations can get complicated.It’s not just about th...
06/02/2026

When one partner earns significantly more than the other, money conversations can get complicated.

It’s not just about the numbers. It’s about communication, expectations, and feeling like you’re on the same team. A few things that can help include aligning on shared goals, being open about finances, and agreeing on how decisions are made, whether that’s jointly or with defined roles.

At the end of the day, a strong financial partnership is less about who earns more. It’s about how you plan together.

What if you could “test-drive” retirement before it actually begins?One simple idea: try living on your planned retireme...
06/01/2026

What if you could “test-drive” retirement before it actually begins?

One simple idea: try living on your planned retirement income for a month while you’re still working. It can help you better understand your spending and make adjustments ahead of time.

You might also use vacation time to see what your days actually look like without work, or even spend a few weeks in a place you’re considering for retirement.

A little real-world testing now can go a long way in helping you feel more prepared for what’s ahead.

Thinking about college costs? You're not alone.Here are a few things worth thinking through when it comes to education f...
05/29/2026

Thinking about college costs? You're not alone.

Here are a few things worth thinking through when it comes to education funding:

• Most families know starting early helps, but few have a clear target. How much is "enough" depends on the type of school, potential financial aid, and your broader financial picture.
• College savings can offer real tax advantages, but the details around contribution limits and qualified expenses are worth understanding before you dive in.
• The right plan today may not be the right plan in five years. As your child's path becomes clearer, it's worth building in room to adjust.
• There are tradeoffs to consider. Saving aggressively for education could mean making sacrifices elsewhere, like retirement savings or an emergency fund. Balance is key.

If you're not sure where to start, reach out to get the conversation started.

A target date fund is an investment option commonly used in workplace retirement plans like 401(k)s. It’s designed to ad...
05/28/2026

A target date fund is an investment option commonly used in workplace retirement plans like 401(k)s. It’s designed to adjust automatically over time based on a selected retirement year (the “target date”).

When retirement is far away, the fund generally focuses more on growth. As the target date approaches, it shifts toward a more conservative mix to help manage risk.

Target date funds can be a simple, hands off option for investors who want diversification and automatic adjustments, but they’re not one size fits all. Understanding how they work can help you decide if they align with your goals.

For high net worth individuals, maxing out qualified retirement accounts is often just the starting point. Beyond those ...
05/27/2026

For high net worth individuals, maxing out qualified retirement accounts is often just the starting point. Beyond those limits, priorities typically shift toward tax efficiency, protection, and long term legacy planning.

Key areas to consider may include:

• Tax efficient investing in taxable accounts
• Advanced tax strategies to help manage current and future tax exposure
• Asset protection and risk management
• Charitable giving strategies that align with personal values
• Estate and legacy planning designed to preserve and transfer wealth intentionally

Once accumulation is optimized, coordination becomes critical. Aligning investments, taxes, and estate considerations can help support wealth not just for today, but for generations.

When families talk about wealth, it’s easy to focus on the numbers. But some of the most important conversations are rea...
05/26/2026

When families talk about wealth, it’s easy to focus on the numbers. But some of the most important conversations are really about values and purpose.

Here’s a simple framework to help guide that conversation.

Tax season is over. Now what?It can be tempting to treat a refund like extra spending money, but it may also be an oppor...
05/25/2026

Tax season is over. Now what?

It can be tempting to treat a refund like extra spending money, but it may also be an opportunity to strengthen your financial foundation. Some options to consider include paying down high-interest debt, building up your emergency fund, or contributing toward long-term goals like retirement.

A little intention now can go a long way over time.

A simple reminder.
05/22/2026

A simple reminder.

When children graduate high school or college, they’re stepping into a new level of independence and money conversations...
05/21/2026

When children graduate high school or college, they’re stepping into a new level of independence and money conversations matter more than ever.

Here are a few financial topics for families to talk through during this transition:

• Budgeting basics: understanding income, expenses, and tradeoffs
• Credit and debt: how credit cards, student loans, and interest really work
• Saving early: why building an emergency fund and saving consistently matters
• Benefits and taxes: paychecks, withholding, and employer benefits can be confusing at first
• Long term goals: balancing today’s needs with future priorities

These conversations don’t have to be overwhelming. Starting early and staying consistent can help young adults make informed decisions as they begin the next chapter.

Filing your taxes isn't the finish line. It's actually a good time to ask: did anything change this year?Your W-4 determ...
05/20/2026

Filing your taxes isn't the finish line. It's actually a good time to ask: did anything change this year?

Your W-4 determines how much tax is withheld from each paycheck, and it should reflect your life as it is today, not as it was when you first filled it out. A new job, a marriage, a divorce, a new child, or even a spouse returning to work can all shift your tax situation in ways that matter.

If something changed this year, it's worth a second look. Reach out and we can help you figure out if an adjustment makes sense.

Address

115 La Posta Road Suite D
Taos, NM
87571

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 4pm
Friday 8am - 5pm

Telephone

+15757513388

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