Ryan Ferguson

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Ryan Ferguson is a retirement planning specialist and co-founder of Retire Smart NM, based in Albuquerque, New Mexico. With over 21 years of experience in financial services, Ryan helps individuals, families, and business owners build clear, tax-efficient strategies for retirement income.

Ryan focuses on helping clients turn their savings into a reliable income stream by answering the questions that matter most in retirement:

  • When can I retire?

  • How much income can I safely generate?

  • How do I reduce taxes in retirement?

  • How should my investments be positioned for long-term income?

His approach centers on a structured process known as the Cost of Retirement Analysis — designed to align each client's financial plan with their actual cost of living, bringing clarity and confidence to retirement decisions.

Ryan works with both individuals and plan sponsors, advising on retirement plans, investment strategies, and income distribution planning. He holds Series 7 and Series 66 licenses and is insurance licensed in New Mexico and ten additional states, allowing him to provide comprehensive guidance across investments, advisory services, and insurance solutions.

A New Mexico native, Ryan was born in Alamogordo and moved to Albuquerque to attend the University of New Mexico, where he earned his degree in 2005 with concentrations in Finance and Communications. He began his career at Edward Jones in 2005, followed by nine years with MetLife. In 2015, Ryan co-founded Retire Smart NM to create a more personalized and independent planning experience for his clients, later partnering with Gateway Financial Advisors, Inc. to expand the firm's collaborative capabilities.

Ryan is actively involved in the Albuquerque community and regularly shares insights on retirement planning, market trends, and economic policy through media appearances and educational outreach.

He lives in Albuquerque with his wife, Christy, and their three daughters.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment

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