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Personalized Financial Confidence

Elite Financial Planning Services

About

Elite Financial Planning Services

Work with a partner who will provide an investment experience tailored to you.

Money is personal. We believe investor deserve professional guidance that provides them with a customized financial strategy focused in their individual needs and objectives.

Our approach is built on holistic planning, where investment and insurance strategies are designed to complement one another to help you meet your financial goals.

Our mission is to help investors build confidence through a focused, personalized approach to their financial strategy. We provide strategic guidance designed to assist our clients in making informed decisions for their financial future.

Meet The Team

Charles A. Cumber, Jr.

Financial Advisor/Investment Advisor Representative, Elite Financial Planning Services LLC

Charles has served in the financial services industry since 1995, working for many of the big names in the industry before becoming independent in 2018. It was then that he opened the doors to Elite Financial Planning Services LLCt out of a desire to be able to better serve his clients by offering a broader range of options. Charles enjoys working with his client family to determine their financial concerns and help provide potential solutions for them, both now and for the future. He enjoys the opportunity to educate and help people fully understand the options available so they feel more comfortable about the decisions they are making. Seeing the satisfaction on a client’s face knowing that their objectives have been met and they’re on track to meeting their goals is what keeps him going every day. He is an Investment Advisor Representative, holds Series 6, 7, 63 and 66 securities registrations, and is life and health insurance licensed.

Charles is an avid fisherman, and getting a hook wet is his favorite way to relax. A doting uncle, he loves spending time with his niece and nephew and being involved with their sports activities. He also enjoys traveling – cruises in particular – and attending NFL games whenever possible, especially if he can catch his Broncos live.

Amber Ortega

Client-focused Professional

Amber Ortega is a client-focused professional with over a decade of experience helping individuals and families navigate major life and financial decisions. Since 2013, she has built a successful career in real estate, specializing in guiding first-time homebuyers through one of the biggest investments of their lives. Through her work, Amber developed a passion for financial education, long-term planning, and helping clients feel confident about their future.

In addition to her background in real estate, Amber has experience in marketing and business development, collaborating with nationally recognized brands and building a strong online presence through content creation and community engagement. Her ability to connect with people, simplify complex information, and build lasting relationships has become the foundation of her professional approach.

As a mother of three, Amber understands the importance of planning for the future, creating stability, and helping families feel financially secure through every stage of life. Based in Albuquerque, she is passionate about helping clients build confidence around their finances while creating personalized strategies that align with their goals and lifestyle.

Outside of work, Amber enjoys fitness, home projects, spending time with family and friends, and watching a wide variety of sports.

Senior Wealth Advisors

Learn More About

Our Financial Solutions

Our three-step planning process works to help identify and implement suitable financial strategies focused on addressing our clients needs and working toward their long-term goals and objectives for retirement. Click on a step below to learn more.

Our Approach

01

Start Smart

02

Apply Discipline

03

Communicate Progress

Our Financial Services

Wealth Management

Our goal is to develop strategies designed to provide income for the long term. We help build tailored, sustainable income plans for our clients that take all factors into account. Retirement is a significant milestone, and our process focuses on helping you manage your assets so you can focus more on your passions and the people you love.

Retirement Strategy Planning

Retirement savings strategies involve a comprehensive approach that balances consistent saving during your working years with potential tax-advantaged withdrawal strategies in retirement.

Key steps include fully utilizing tax-advantaged accounts, diversifying investments to help manage risk, and strategically evaluating the timing of Social Security benefits.

Tax-Efficient Planning

Benjamin Franklin said, “In this world nothing can be said to be certain, except death and taxes.” We can’t control the first, but we can help you potentially reduce the second.

Our clients enjoy a comprehensive review of their tax return, tax projections combined with proactive planning, tax reduction strategies, etc.

Social Security Benefit Planning

Social Security timing strategies involve strategically evaluating when to claim benefits and coordinating with other income sources to help increase your potential lifetime payments.

The decision of when to claim Social Security is complex and can significantly impact your retirement income. We provide a comprehensive analysis to help you understand how different timing choices may affect your long-term financial health.

Income Planning

Through our retirement planning process, we will review your current income situation and analyze potential income in retirement. We work with you to develop a strategy designed to provide sustainable income throughout your lifetime. We’ll help you evaluate your Social Security options and seek to increase the benefits for your situation.

If you have a pension, we will guide you through the options available and help you make an informed decision. Our process also addresses other considerations, such as potential impacts from inflation, taxation, or the loss of a spouse.

Register For

Our Educational Events

At Elite Financial Planning Services we believe in the value of financial education and accessibility. We provide resources through digital education platforms designed to help you make informed decisions. We believe an informed client is better positioned to pursue their financial goals. Click here to subscribe to the Elite Financial Planning Services newsletter.

UPCOMING EVENTS

Events in June 2026

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    Our Guides and Blog

    Financial Educational Literature

    Tips to Help Avoid Market Panic Reaction

    Tips to Help Avoid Market Panic
    How to Plan and Help Protect Your Savings

    Market swings can be challenging, but they can be managed as part of a comprehensive strategy. This guide explores how to maintain a long-term perspective through volatility, why consistent strategies have historically helped investors navigate market fluctuations, and how to address the potential impact of “sequence of returns” risk. In retirement, prudent planning is key to managing market uncertainty.

    Optimizing Social Security in Today’s World

    The Social Security Guide
    Optimizing Social Security In Today’s World

    The timing of your Social Security claim is a complex decision that can impact your total retirement income. This guide explores how proactive strategies can help you seek to increase potential income and provide greater clarity regarding your financial future.

    Browse Our Blog

    How Home Sales Are Taxed: What Every Homeowner Should Know

    Selling a home is a significant financial event, and understanding the tax implications can help homeowners protect their profit and avoid unexpected liabilities. When you sell your residence, the gain you realize may be subject to capital gains tax, but in many cases, favorable tax rules can help reduce that tax burden. Let’s take a look at how the tax treatment works and highlight some key [...]

    February 17th, 2026|

    Our Video Library

    What’s a Risk Score?

    Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

    It’s important that investors understand their risk tolerance so that they can help guide the design of their investment strategy. This approach looks to balance the investor’s desire for returns goals with their ability to stay confident and invested throughout market cycles.

    To help investors understand their risk threshold we deploy a proprietary algorithm rooted in the well-known Value at Risk (VaR) measurement that helps us quantify their sentiment toward financial uncertainty, specifically their emotional tolerance with respect to the magnitude and speed of potential investment loss. This Analysis provides them with a VaR Score that can help determine if their existing portfolio aligns with their risk tolerance.

    Risk-Tolerance

    Intelligent, Disciplined Investing with AssetLock®

    AssetLock® is Simplicity Wealth’s proprietary, investment portfolio monitoring service that delivers personalized communications to advisors and investors in a secure environment.

    This technology keeps investors informed about the progression of their portfolio in accordance with their risk tolerance determined by the investor’s household portfolio VaR Score.

    Contact Elite Financial Planning Services

    At Elite Financial Planning Services, we believe strong financial planning is built on relationships. We take the time to understand your goals, concerns, and family dynamics—because financial planning isn’t just about numbers, it’s about life. Our team is committed to providing consistent, personalized guidance, ensuring you have a dedicated advisor who understands your long-term financial journey.

    Schedule Your Complimentary Retirement Review

    At Elite Financial Planning Services our approach goes beyond investment management.
    We focus on helping you strengthen your retirement strategy.

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