HCS Week 32

Page 1


FORCLOSURE SALES: 1 PROBATE: 35

NOTICE OF SUITS: 7 OTHER: 1

Building A Stronger Retirement

With each generation’s expected retirement time growing longer and longer, you may need to plan for 20 to 30 years of life after you stop working. And when it comes to ways to save for the future, many Americans think first of the 401(k), the most popular and well-known retirement savings option.

Saving for Your Health

Lesser known—and understood—is another way to save for your future: the Health Savings Account (HSA). With rising healthcare costs that can exceed $10,000 annually during the retirement years, HSAs are gaining more recognition as a smart way to complement 401(k)s and other retirement savings options by helping you plan and save for healthcare costs encountered now and in the future.

The Foundation

Traditional 401(k) plans are popular retirement vehicles for several reasons:

•Tax advantages: 401(k) contributions are taken out of your paycheck before federal taxes are withheld, which lowers your taxable income. Contributions are also tax-deferred until you withdraw them.

•More control: You can contribute as much as you want to a 401(k) within your plan and IRS limits, and you can change your contribution at any time.

•Compound interest: The earlier you start investing in a 401(k), the more time your money has to grow.

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0

•It moves with you: The money in your 401(k) belongs to you—even if you change jobs, you can keep your money invested and growing.

•Ease of use: 401(k)s are easy to contribute to, with many employers offering automatic payroll deductions.

Add More Stability and Strength with an HSA

If you save in your HSA as well as a 401(k), you can take advantage of three unique benefits:

1.Triple-tax advantage: No federal taxes on contributions, withdrawals for qualified medical expenses, or investment earnings

2.Build long-term healthcare and retirement savings: Especially with HSA

Bank’s self-directed investment options

3.No “use it or lose it”: Investment balances carry over from year to year and grow tax-free (just like the HSA cash account)

Save for Expenses

Tax-free HSA fund withdrawals are limited to IRS-qualified medical expenses, but there’s a lengthy list of future healthcare costs your HSA can pay for, so your 401(k) funds don’t have to. These include everything from acupuncture to a wheelchair and many things in between.

Learn More

For further facts and tips on HSAs and planning your retirement, go to www.hsabank.com. -(NAPSI)

FORECLOSURE

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

NO. D-202-CV-2019-09532

STATE EMPLOYEES CREDIT UNION, Plaintiff, v. DENNIS LUCERO; UNKNOWN SPOUSE OF DENNIS

LUCERO, if any; U.S. NEW MEXICO FEDERAL CREDIT

UNION N/K/A U.S. EAGLE

FEDERAL CREDIT UNION; STATE OF NEW MEXICO TAXATION AND REVENUE

DEPARTMENT; NEW MEXICO DEPARTMENT OF WORKFORCE SOLUTIONS; CITY OF ALBUQUERQUE; VENTANA RANCH COMMUNITY ASSOCIATION, INC.; JOHN DOE; JANE DOE, Defendants.

NOTICE OF SALE ON FORECLOSURE NOTICE IS HEREBY GIVEN that the above entitled Court, having appointed the undersigned as Special Master in this matter with the power to sell, has ordered the Special Master to sell the below described real property, situated in the County of Bernalillo, State of New Mexico, more particularly described as: Lot numbered Thirty-two (32), Plat of BRIAR RIDGE SUBDIVISION AT VENTANA RANCH, Albuquerque, New Mexico, as the same is shown and designated to the Plat of said Subdivision, filed in the office of the County Clerk of Bernalillo County, New Mexico, on May 21, 1998, Plat Book 98C, folio 145. The property may be located at 7708 Briar Ridge Ave. NW, Albuquerque, NM 87114. The sale shall commence at 10:30 a.m. on September 5, 2024, at the front entrance to the Second Judicial District Court House, at 400 Lomas NW, Albuquerque, NM 87102. The property will be sold “As Is” to the highest bidder for cash. The property will be sold subject to any and all unpaid taxes and to any liens and assessments not otherwise foreclosed upon herein. Interested bidders should undertake to make their own determination as to the status of title. The sale may be postponed and rescheduled at the Special Master’s discretion. Prospective purchasers at the sale are advised to make their own examination of the title and the condition of the property and further to consult their own attorney before bidding. For purposes of this sale, “cash” shall mean (1) cash on hand, (2) other immediately available funds, including, but not limited to, bank cashiers checks, or (3) an irrevocable letter of credit payable at site issued by a financial institution acceptable to and in a form acceptable to the Special Master in an amount not less than the bid amount, delivered to and approved by the Special Master prior to sale. For purposes of this Sale, the term “immediately available funds” shall refer to those funds that can be delivered to the Special Master within TWENTY-FOUR (24) hours of the acceptance of the bid.

NOTICE IS FURTHER GIVEN that the proceeds of sale will be applied as follows: first, to all costs and expenses of sale, including the Special Master’s fee and costs; second, to the judgment awarded to Plaintiff in the amount of $183,019.10, plus

LEGAL NOTICES

interest from March 16, 2023, at the rate of 3.75% per annum; plus attorney fees in the amount of $20,497.93 and costs incurred by Plaintiff in the amount of $1,105.92, plus interest from April 9, 2024, at the rate of 8.75% per annum; third, in such manner as the Court may determine by order entered after the sale.

NOTICE IS FINALLY GIVEN that Plaintiff may bid and purchase the property at the foreclosure sale and may apply all or a portion of its judgment as cash toward the purchase price.

Respectfully submitted: “Electronically filed” By: /s/Michael Kushner, attorney at law

MICHAEL KUSHNER

Special Master P.O. Box 35487 Albuquerque, NM 87176-5487 (505) 254-8332

mekush@flash.net

HCS Pub. July 26, August 2, 9, 16, 2024

SUITS

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT NO. D-202-DM-2023-03198

REYNA LIZETH ONTIVEROS TORRES

Petitioner, vs. SERGIO ISAIAS MATA MENDOZA

Respondent. NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to the above-named Respondent, Greetings:

You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being: PETITION TO ESTABLISH PARENTAGE, DETERMINE CUSTODY, TIME-SHARING AND CHILD SUPPORT

(title of petition)

Unless you enter your appearance and written response in said cause thirty (30) days after the last date of publication, a judgment by default will be entered against you. Name and Address of Petitioner or Petitioner’s Attorney: ABIGAIL BANNONSCHNEEBECK P.O. BOX 2168 ALBUQUERQUE, NM 87103 abigail.bannon-schneebeck@ modrall.com

WITNESS the Honorable Jane C. Levy, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, on this the 22nd day of July, 2024.

KATINA WATSON CLERK OF THE DISTRICT COURT

SECOND JUDICIAL DISTRICT COURT CLERK OF THE COURT By: /s/ Patrick Romancito Deputy Clerk HCS Pub. July 26, August 2, 9, 2024

NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to the above-named Respondent(s).

Greetings:

You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being: PETITION FOR DISSOLUTION OF MARRIAGE (WITHOUT CHILDREN)

Unless you enter your appearance in said cause on or before the 9TH day of SEPTEMBER 2024, a judgment by default will be entered against you.

Name and address of Petitioner or Petitioner’s Attorney:

MELISSA FULMER

10724 FENCIK LN SW

ALBUQUERQUE, NM 87121

WITNESS the Honorable Jane c. Levy, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, on this the 22nd day of July 2024.

KATINA WATSON

CLERK OF THE DISTRICT

COURT

SECOND JUDICIAL DISTRICT

COURT

CLERK OF THE COURT

By: /s/ Delilah Salaz

Deputy Clerk

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT

COURT

NO. D-202-DM-2024-00811

EVANGELINA LECHUGA

MUNOZ Petitioner, vs. DAMIAN M TENA AGUIRRE Respondent.

NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to the above-named Respondent, Greetings:

You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being: PETITION FOR DISSOLITTION OF MARRIAGE (WITHOUT CHILDREN)

(title of petition)

Unless you enter your appearance in said cause thirty (30) days after the last date of publication, a judgment by default will be entered against you. Name and Address of Petitioner or Petitioner’s Attorney:

EVANGEUNA LECHUGA

MUNOZ

3433 ROSS AVE SE APT 2

ALBUQUERQUE, NM 87106

WITNESS the Honorable Amber Chavez Baker, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, on this the 22nd day of May, 2024.

KATINA WATSON

CLERK OF THE DISTRICT

COURT

SECOND JUDICIAL DISTRICT

COURT

CLERK OF THE COURT By: /s/ Patrick Romancito

Deputy Clerk

HCS Pub. August 2, 9, 16, 2024

IN THE MATTER OF THE KINSHIP GUARDIANSHIP OF SW (2011), DW (2012), & HW (2017), (a) Child(ren) [use initials only], and concerning Charlene Tsosie; Dave Whitethorn, Respondent(s).

NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to Charlene Tsosie; Dave Whitethorn, Respondent(s). Greetings:

You are hereby notified that Shaylene Whitethorn, Petitioner(s), filed a Petition of Appoint Kinship Guardian(s) for Shaina Whitehorn (2011), Davenn Whitehorn (2012), & Harlann Whitehorn (2017 against you in the above entitled Court and cause. Unless you enter your appearance and written response in said cause on or before July 18, 2024 (date), a judgment by default will be entered against you.

Name and Address of Petitioner or Petitioner’s Attorney:

SHAYLENE WHITEHORN, 4500 2ND STREET SW, ALBUQUERQUE, NM 87105

WITNESS the Honorable Amber Chavez Baker, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, on this the 6th, day of May, 2024.

KATINA WATSON

CLERK OF THE DISTRICT COURT

By: /s/ Delilah Salaz Deputy Clerk HCS Pub. August 2, 9, 16, 2024

NOTICE OF PENDENCY OF ACTION

No. D-1329-DM-2024-00353

Petition to Establish Paternity Custody Timesharing and Child Support State of New Mexico County of Sandoval Thirteenth Judicial District Court

Notice is hereby given to D’Ante Kekoa Pooacha-Thomas that a Petition to Establish Paternity Custody Timesharing and Child Support has been filed in the above-named court. If you fail to respond to this notice on or before September 23, 2024 judgment will be rendered against you by default. A response needs to be filed with the Court and provided to Petitioner’s attorney. The Petitioner’s attorney is Duran & McDonald, LLC (Tonie J. Abeyta) 219 Central Ave NW, Suite 201. Albuquerque, New Mexico 87102 (505) 924-2121. HCS Pub. August 9, 16, 23, 2024

appearance and written response in this cause on or before thirty (30) days after the last date of publication, a judgment by default will be entered against you. Most respectfully submitted by: /s/ Fred C. Martinez

FRED C. MARTINEZ

Attorney for Petitioner 1201 Lomas Blvd. NW Ste. B. Albuquerque, NM 87102 Phone: (505) 242-1310

HCS Pub. August 9, 16, 23, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT No. D-202-CV-2023-06030

JEREMIAH TRUJILLO, Plaintiffs, v. AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS, and RICARDO PENA, Defendants.

NOTICE OF PENDENCY OF ACTION

You are hereby notified that a personal injury action has been filed against Defendant Ricardo Pena for injuries caused by a motor vehicle accident which occurred on May 1, 2023, and for compensatory damages arising therefrom. Service is sought against: Defendant Ricardo Pena Plaintiff’s Attorney: Thomas M. Allison, Esq. Attorney for Plaintiff Whitener Law Firm, P.A. 4110 Cutler Avenue, NE Albuquerque, New Mexico 87110 505-242-3333

Notice is hereby given that Default Judgment may be entered against Defendant Ricardo Pena if no response is filed by 30 days from last date of Publication.. IN WITNESS WHEREOF, I have hereunto set my hand and Seal of said Court, this day of 8/7/2024, 2024. Katina Watson Jacqueline Trujillo COURT CLERK SECOND JUDICIAL DISTRICT COURT /s/ Jacqueline Trujillo Deputy Clerk HCS Pub. August 9, 16, 23, 2024

PROBATE

ABQ ELDER LAW, P.C. BY: /s/ LORI L. MILLET

LORI L. MILLET Attorney for Personal Representative 3167 San Mateo NE, PMB # 289 Albuquerque, New Mexico 87110 (505) 830-0202 lori@abqelderlaw.com HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-PB-2023-00848 IN THE MATTER OF THE ESTATE OF REBECCA RUBIO, DECEASED.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that Tina M. Fernandez, has been appointed Personal Representative of the Estate of Rebecca Rubio, deceased and is represented by Estate | Probate |Succession, A New Mexico Law Firm [Joseph A. Sapien]. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned Personal Representative, c/o ESTATE |PROBATE | SUCCESSION, A NEW MEXICO LAW FIRM, Attn: Joseph A. Sapien, Esq., P.O. Box 27644, Albuquerque, NM 87125 or filed with the District Court of Bernalillo County, New Mexico, 400 Lomas Blvd. NW, Albuquerque, NM 87102. Dated: By: 07 / 15 / 2024

By: Tina M. Fernandez

Tina M. Fernandez

Attorney Identification: ESTATE | PROBATE | SUCCESSION, A NEW MEXICO LAW FIRM Joseph A. Sapien P.O. Box 27644 Albuquerque, NM 87125

T: (505) 431-1599 F: (213) 603-7996 E: jsapien@estateplannm.com

Attorney for Personal Representative Tina M. Fernandez

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

NO. D-202-DM-2024-01543

Melissa Fullmer Petitioner, vs. Jacob Fullmer Respondent,

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

No. D-202-DM-2024-01174

Shaylene Whitethorn, Petitioner(s)

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

Case No. D-202DM-2023-02558

LEONEL TAPIA, Petitioner, vs. LILLIANA CORIA, Respondent.

NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to Respondent, Liliana Coria. Greetings:

You are hereby notified that Petitioner, Leonel Tapia, has filed a civil action against you in the above-entitled Honorable Court and cause, the general object thereof being: VERIFIED PETITION FOR DISSOLUTION OF MARRIAGE (WITH CHILDREN).

Unless you enter your

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT NO. D 202-PB-2024-00493 IN THE MATTER OF THE ESTATE OF JOSEPHINE RINGLING, a.k.a. JOSEPHINE TRUJILLO RINGLING, DECEASED. NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE

To the heirs of JOSEPHINE RINGLING, a.k.a. JOSEPHINE TRUJILLO RINGLING: YOU ARE HEREBY NOTIFIED that the Decedent died on April 4, 2023. CASTELLANOPIATT ACCOUNTING, LLC was appointed Personal Representative of this Estate on June 28, 2024, without bond. If you believe you are an intestate heir of the aforementioned Estate, contact the attorney for the Personal Representative at the address below.

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

Probate No. D-202PB-2024-00439 IN THE MATTER OF THE ESTATE OF LANCING W. COOK, DECEASED

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to KATHLEEN M. CARLOW, Attorney for the Estate of LANCING W. COOK, AKA LANSING W. COOK, at SWAIM, CARLOW & AMES, P.C., 4830 Juan Tabo, N.E., Suite F, Albuquerque, NM 87111, or filed with the Second

Judicial District Court, Bernalillo County Courthouse, Post Office Box 488, Albuquerque, New Mexico 87103.

By: /s/ David A. Finlayson

David A. Finlayson

Dated: 05/28/2024

/s/ Leda D. Cook

LEDA D. COOK

Personal Representative

SWAIM, CARLOW & AMES, P.C.

By: /s/ Kathleen M. Carlow

KATHLEEN M. CARLOW

Attorneys for the Personal Representative of the Estate of LANCING W. COOK, AKA LANSING W. COOK, Deceased 4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111

505-237-0064

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO IN THE PROBATE COURT No. 2024-0773 IN THE MATTER OF THE ESTATE ) OF TARA A. LEVINE, deceased )

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN

that the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice if this Notice is given by publication as provided in Subsection A of Section 45-3-801 NMSA 1978, or within sixty (60) days after the mailing or delivery of this Notice for creditors who are given actual notice as provided by Subsection B of Section 45-3-801 NMSA 1978, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at 8005 Classic Avenue, Albuquerque, NM 87109, or filed with the Probate Court of Bernalillo County, New Mexico.

DATED: July 16, 2024

/s/ Danielle Rodriguez Danielle Rodriguez, Personal Representative of the Estate of Tara A. Levine, Deceased 8005 Classic Avenue Albuquerque, NM 87109

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

No. D-202-PB-2024-00507

In the Matter of the Estate of CURTIS RANDALL HOGUE, Deceased

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to David A. Finlayson, attorney for the estate of CURTIS RANDALL HOGUE, at FINLAYSON LAW FIRM, PC, 7301 Jefferson Street NE, Suite F, Albuquerque, NM 87109, or filed with the Second Judicial District Court, Bernalillo County Courthouse, 400 Lomas Blvd NE, Albuquerque, NM 87102.

Dated: July 1st, 2024

/s/ Rebecca Fe Rodriguez REBECCA FE RODRIGUEZ, Personal Representative FINLAYSON LAW FIRM, PC

Health City Sun

LEGAL NOTICES

Attorney for the Personal Representative of the Estate of CURTIS RANDALL HOGUE, Deceased

7301 Jefferson Street NE, Suite F Albuquerque, NM 87109 (505) 373-3500

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO IN THE PROBATE COURT BERNALILLO COUNTY No. 2024 0817 IN THE MATTER OF THE ESTATE OF MAUREEN ANN CUE, DECEASED.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned bas been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at the address listed below, or filed with the Probate Court of Bernalillo County, New Mexico, located at the following address: One Civic Plaza NW, 6th Floor, Albuquerque, NM 87102. Date 7/10/2024 /s/ Myles Winter

Myles Winter PO Box 45962

Rio Rancho, NM 87174

Ph: 505-514-4241

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISITRICT COURT No. D-202-PB-2024-00250

IN THE MATTER OF THE ESTATE OF EVELYN PRENTICE, DECEASED

(a/k/a MAE EVELYN PRENTICE) NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that STEPHEN R. PRENTICE has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this notice or within sixty (60) days after mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to: 1) the undersigned personal representative at his attorney’s address as listed below; or 2) filed with the Second Judicial District Court at the following address: 400 Lomas Blvd NW, Albuquerque, New Mexico 87102. DATED: July 23, 2024

Respectfully submitted, HURLEY TOEVS STYLES HAMBLIN & PANTER PA By Electronicallv signed /s/ Thomas H. Toevs Thomas H. Toevs, Esq.

Attorneys for Personal Representative PO Box 31670 Albuquerque, NM 87109 (505) 888-1188

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT

COURT

Probate No. D-202PB-2024-00530

IN THE MATTER OF THE ESTATE OF

MARY LOU PARKS, DECEASED

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to Joel P. Ames, Attorney for the Personal Representative of the Estate of MARY LOU PARKS, at SWAIM, CARLOW & AMES, P.C., 4830 Juan Tabo, N.E., Suite F, Albuquerque, NM 87111, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Post Office Box 488, Albuquerque, New Mexico 87103. Dated: July 23, 2024 /s/ Charles A. Malm CHARLES A. MALM

Personal Representative SWAIM, CARLOW & AMES, P.C.

By: /s/ Joel P. Ames

Joel P. Ames

Attorneys for the Personal Representative of the Estate of MARY LOU PARKS, Deceased 4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111

505-237-0064

HCS Pub. July 26, August 2, 9, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

Case No.: D-202PB-2024-00563

IN THE MATTER OF THE ESTATE OF BRENDA TYRRELL, DECEASED, NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that Nancy Tyrrell has been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to undersigned counsel of record at the address listed below via certified mail, or filed with the Second Judicial District Court of Bernalillo County, New Mexico, located at the following address: 400 Lomas Blvd. NW, Albuquerque, New Mexico 87102. Respectfully submitted, By: /s/R. Will Jenkins R. Will Jenkins

ARAGON MOSS GEORGE JENKINS, LLP

2201 Menaul Blvd NE Albuquerque, NM 87107

Office: (505) 872-3022

Fax: (505) 214-5317

Email: jenkins@amgjlaw.com

HCS Pub. July 26, August 2, 9, 2024

OF GALE S. STUART, Deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that STEPHEN K. STUART has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this notice or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at his attorney’s address as listed below or filed with the Second Judicial District Court, 400 Lomas Blvd. NW, Albuquerque, New Mexico 87102, PO Box 488, County Courthouse, Albuquerque, New Mexico 87103.

DATED: July 24, 2024. Respectfully submitted, HURLEY TOEVS STYLES HAMBLING & PANTER, PA

By: /s/ Gregory W. MacKenzie

Gregory W. MacKenzie, Esq. Attorneys for Personal Representative PO Box 31670 Albuquerque, NM 87190-1670 (505) 888-1188

greg@hurleyfirm.com

HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

No. D-202-PB-2024-00520

In the Matter of the Estate of MARY ANN MORIARTY, Deceased

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to David A. Finlayson, attorney for the estate of MARY ANN MORIARTY, at FINLAYSON LAW FIRM, PC, 7301 Jefferson Street NE, Suite F, Albuquerque, NM 87109, or filed with the Second Judicial District Court, Bernalillo County Courthouse, 400 Lomas Blvd NE, Albuquerque, NM 87102. Dated: July 19, 2024 /s/ Barbara Ann Herrera BARBARA ANN HERRERA, Personal Representative FINLAYSON LAW FIRM, PC By: /s/ David A. Finlayson

David A. Finlayson Attorney for the Personal Representative of the Estate of MARY ANN MORIARTY, Deceased 7301 Jefferson Street NE, Suite F Albuquerque, NM 87109 (505) 373-3500

HCS Pub. August 2, 9, 16, 2024

Length of Hearing: 45 minutes

Matter(s) to be heard: Verified

Petition for Formal Probate of Codicil, Instruction, and Complete Settlement of Estate filed April 11, 2024

Place of Hearing: Bernalillo County Courthouse, 400 Lomas NW, Rm 616F ZOOM LINK

https://us02web.zoom.us/j/8398 5998783?pwd=SU5IKzdQL256 YVc1UElwYXFCWXdiZz09

OR CALL: 1-253-215-8782

Meeting ID: 839 8599 8783

Passcode: 006755

Scan QR Code:

HONORABLE JOSHUA A. ALLISON

By: /s/ Mary B. Lovato

Mary B. Lovato TCAA to Division XXIII

Attorneys are responsible for serving the Notice of Hearing on Self-Represented Litigants and for providing a Certificate of Service to the court at the scheduled hearing. New Mexico Courts comply with the Americans with Disabilities Act and Title VI. If you need accommodations or the services of an interpreter in court, email or call the court as soon as possible to inform us.

Counsel or PRO SE persons may notify the Clerk of the Court of the nature of the disability at least five (5) days before ANY hearing so appropriate accommodations may be made. HCS Pub. August 2, 9, 16, 2024

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to Joel P. Ames, attorney for the Personal Representative of the Estate of PAUL E. EHNI, at SWAIM, CARLOW & AMES, P.C., 4830 Juan Tabo, N.E., Suite F, Albuquerque, NM 87111, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Post Office Box 488, Albuquerque, New Mexico 87103. Dated: 07-11-2024, 2024 /s/ Gerlinde Ehni-Snyder GERLINDE EHNI-SNYDER Personal Representative SWAIM, CARLOW & AMES, P.C.

By: /s/ Joel P. Ames

Joel P. Ames

Attorneys for the Personal Representative of the Estate of PAUL E. EHNI, Deceased 4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111 (505) 237-0064

HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND DISTRICT COURT

PROBATE NO. D-202PB-2024-00287

IN THE MATTER OF THE ESTATE OF LOUISE S. VERDERBER, DECEASED AMENDED NOTICE TO CREDITORS

Ann P. Martel has been appointed Personal Representative of the Estate of Louise S. Verderber, deceased. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the Personal Representative, c/o Richmond L. Neely, Attorney for Estate of Louise S. Verderber, P. O. Box 25685, Albuquerque, NM 87125, or filed with the Second Judicial District Court, 400 Lomas Blvd. NW, Albuquerque, New Mexico 87102. /s/ Richmond L. Neely

RICHMOND L. NEELY

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

No. D-202-PB-2021-00775 IN THE MATTER OF THE ESTATE OF JENNIFER L. FALK, DECEASED

NOTICE OF HEARING

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT

NO. D-202-PB-2024-00557

IN THE MATTER OF THE ESTATE

A hearing in this case is set before the Honorable Joshua A. Allison. Unless noticed specifically as an In- Person hearing, lawyers and parties are invited to appear either in-person or by Zoom: Date of Hearing: Monday, 09/09/2024

Time of Hearing: 2:00 p.m.

Attorney for Estate of Louise S. Verderber P. O. Box 25685 Albuquerque, NM 87125 (505) 243-3727

HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-PB-2024-00558 IN THE MATTER OF THE ESTATE OF LINDA JANE JARAMILLO, DECEASED NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that JULIO J. MARQUEZ has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this notice or within sixty (60) days after mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to: 1) the undersigned personal representative at his attorney’s address as listed below; or 2) filed with the Second Judicial District Court at the following address: 400 Lomas Blvd NW, Albuquerque, New Mexico 87102. DATED: July 25, 2024

Respectfully submitted, HURLEY TOEVS STYLES HAMBLIN & PANTER PA By Electronically signed /s/ Mandeep S. Talwar

Mandeep S. Talwar, Esq. Attorneys for Personal Representative PO Box 31670 Albuquerque, NM 87109 (505) 888-1188

HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

Probate No. D-202PB-2024-00559

IN THE MATTER OF THE ESTATE OF PAUL E. EHNI, DECEASED NOTICE TO CREDITORS

STATE OF NEW MEXICO COUNTY OF BERNALILLO IN THE SECOND JUDICIAL DISTRICT COURT CAUSE NO. D-202PB-2024-00510 IN THE MATTER OF THE ESTATE OF Ronnie H. Cecil, Deceased. NOTICE TO KNOWN CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four

(4) months after the date of the first publication of any published notice to creditors or the date of mailing or the delivery of this notice, whichever is later, or the claims will be forever barred.

Claims must be presented either to the undersigned Personal Representative at the address listed below, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Albuquerque, New Mexico.

Dated: July 17, 2024

/s/ Stewart C. Butler

Stewart C. Butler

Personal Representative

/s/ William J. Lock

WILLIAM J. LOCK, Attorney for Personal Representative

5732 Osuna Road NE Albuquerque, NM 87109 (505) 880-1200 Voice (505) 881-2444 Fax

HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO

SECOND JUDICIAL DISTRICT COURT

BERNALILLO COUNTY

Case No. D-202PB-2024-00445

IN THE MATTER OF THE ESTATE OF SERENA ANDERSON, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of the estate of the decedent. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred.

Claims must be presented to either to the undersigned personal representative at the address below, or filed with the SECOND JUDICIAL DISTRICT COURT Clerk at the following address: 400 Lomas Blvd. NW, Albuquerque, NM 87102. Submitted by: /s/ Sarah Jaeger

Sarah Jaeger

WEEMS HAZEN LAW 106 Wellesley Dr SE Albuquerque, NM 87106 (505) 247-4700

Attorney for Personal Representative HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO IN THE PROBATE COURT SANDOVAL COUNTY No. SCPB 2024 229 IN THE MATTER OF THE ESTATE OF SONYONIA ANN HATHAWAY, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at the address listed below, or filed with the Probate Court of Sandoval County, New Mexico, located

Health City Sun

LEGAL NOTICES

at the following address:

1500 Idalia Rd Bldg D. Bernalillo, NM 87004

Dated: July 24, 2024. /s/ Linda Grady Linda Grady 1578 Calle La Bona Tierra Bernalillo, NM 87004

HCS Pub. August 2, 9, 16, 2024

SECOND JUDICIAL DISTRICT COURT STATE OF NEW MEXICO COUNTY OF BERNALILLO No. D-202-PB-2024-00311

IN THE MATTER OF THE ESTATE OF PEARL LOUISE LUNA, Deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at 1412 55th Street NW, Albuquerque, NM 87105 or filed with the Second Judicial District Court Clerk, 400 Lomas Blvd. NW, Albuquerque, NM 87102.

DATED: July 29, 2024. /s/ Jude L. Luna

JUDE L. LUNA, Personal Representative 1412 55th Street NW Albuquerque, NM 87105

Submitted by: ROBERT D. GORMAN P.A. By: /s/ Robert D. Gorman

ROBERT D. GORMAN Attorney for Personal Representative P. O. Box 25164 Albuquerque, NM 87125-0164 (505) 243-5442 rdgorman@rdgormanlaw.com HCS Pub. August 2, 9, 16, 2024

SECOND JUDICIAL DISTRICT COURT

STATE OF NEW MEXICO COUNTY OF BERNALILLO No. D-202-PB-2024-00536 IN THE MATTER OF THE ESTATE OF NANETTE FRANCES GRASS, Deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at 12320 Princess Jeanne Avenue NE, Albuquerque, NM 87112 or filed with the Second Judicial District Court Clerk, 400 Lomas Blvd. NW, Albuquerque, NM 87102. DATED: July 29, 2024. /s/ John S. Grass

JOHN S. GRASS, Personal Representative 12320 Princess Jeanne Avenue NE Albuquerque, NM 87112

Submitted by: ROBERT D. GORMAN, P.A. By: /s/ Robert D. Gorman

ROBERT D. GORMAN Attorney for Personal Representative

P. O. Box 25164 Albuquerque, NM 87125-0164 (505) 243-5442 rdgorman@rdgormanlaw.com HCS Pub. August 2, 9, 16, 2024

SECOND JUDICIAL DISTRICT COURT

STATE OF NEW MEXICO COUNTY OF BERNALILLO

No. D-202-PB-2024-00560

IN THE MATTER OF THE ESTATE OF VIRGINIA LEE TULL, Deceased.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at 5040 Bogart St. NW, Albuquerque, NM 87120 or filed with the Second Judicial District Court Clerk, 400 Lomas Blvd. NW, Albuquerque, NM 87102.

DATED: July 29, 2024

/s/ Michael L. Tull

MICHAEL L. TULL, Personal Representative 5040 Bogart St. NW Albuquerque, NM 7120

Submitted by:

ROBERT D. GORMAN, P.A.

By: /s/ Robert D. Gorman

ROBERT D. GORMAN

Attorney for Personal Representative P. O. Box 25164 Albuquerque, NM 87125-0164 (505) 243-5442 rdgorman@rdgormanlaw.com

HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

No. D-202-PB 2024-00094 IN THE MATTER OF THE ESTATE OF MARY DANIELS, Deceased. NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that Patrick Daniels‐Duncan has been appointed as Personal Representative of the Estate of the Decedent Mary Daniels. All persons having claims against the Estate of the Decedent are required to present their claims within four (4) months after the date of the first publication of any published Notice to Creditors or sixty (60) days after the date of mailing or other delivery of this Notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned counsel of record for the Personal Representative at the address below or filed with the Second Judicial District Court in Bernalillo County, New Mexico, located at 400 Lomas Blvd NW, Albuquerque, NM 87102.

Respectfully Submitted, /s/ Kat Fox

Kat Fox

NM Financial & Family Law, P.C. 320 Gold Avenue SW, Suite 1401

Albuquerque, NM 87102

Phone: 505-503-1637

Email: kaf@nmfinanciallaw.com

HCS Pub. August 2, 9, 16, 2024

been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at 9404 Camino Del Sol NE, Albuquerque, NM 87111 or filed with the Second Judicial District Court of Bernalillo County, 400 Lomas NW, Albuquerque, New Mexico 87004. /s/ Denise L. Brigman 9404 Camino Del Sol NE Albuquerque, NM 87111

Attorney Identification: /s/ Keith Franchini

Keith F. Franchini & Associates. P.A. 6739 Academy Road NE Suite 350 Albuquerque, NM 87109 (505) 242-6226

HCS Pub. August 2, 9, 16, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

NO. D-202-PB-2024-00514 IN THE MATTER OF THE ESTATE OF DAVID LOUIS KUHN, DECEASED, NOTICE OF HEARING BY PUBLICATION THE STATE OF NEW MEXICO: TO: UNKNOWN HEIRS OF DAVID LOUIS KUHN, DECEASED, AND ALL UNKNOWN PERSONS WHO HAVE OR CLAIM ANY INTEREST IN THE ESTATE OF DAVID LOUIS KUHN, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER MENTIONED HEARING. Hearing on the Amended Application for Formal Probate of Copy of Will and for Formal Appointment of Personal Representative, filed by the Applicant, Katherine Kuhn, relating to the Estate of David Louis Kuhn, Deceased, will be held at 1:30 p.m. on September 26, 2024, by Zoom or telephone before the Honorable Elaine P. Lujan, District Court Judge. Pursuant to Sec. 45-1-401 NMSA 1978, notice of the time and place of hearing on the Application is hereby given you by publication, once each week, for three consecutive weeks. Electronically Filed /s/Richard J. Grodner

Attorney for Applicant

Katherine Kuhn 6739 Academy Rd. NE Suite 252 Albuquerque, NM 87109 505.266.2566

HCS Pub. August 9, 16, 23, 2024

published notice to creditors or within (60) days of the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative Steven Haney, c/o Roepke Law Firm, llc at 2501 San Pedro NE Suite 205, Albuquerque, New Mexico, 87110, or filed with the Second Judicial District Court, P.O. Box 488, Albuquerque, New Mexico, 87103.

DATED: The 31st day of July, 2024.

/s/ Karl H. Roepke

Karl H. Roepke

Attorney for Steven Haney, PR 2501 San Pedro NE Suite 205 Albuquerque, NM 87110

505-323-0515

khr@roepkelaw.com

I certify that a copy of the forgoing was emailed to: Stephen P. Curtis, Esq. 6747 Academy Rd. NE Ste D Albuquerque, NM 87109 505-884-9999 abqcurtis@gmail.com

On this the 31st day of July, 2024. /s/ Karl H. Roepke, attorney at law

Karl H. Roepke

HCS Pub. August 9, 16, 23, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO IN THE PROBATE COURT NO. 20240778 IN THE MATTER OF THE ESTATE OF NITCHOLAS LEE WALTHALL, deceased

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that KIMBERLY ANN CHILDS has been appointed Personal Representative of the Estate of NITCHOLAS LEE WALTHALL, deceased.

All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented to the Personal Representative at: Grady Law & Mediation LLC (David A. Grady) 5106 Comanche NE Albuquerque, New Mexico 87110

Fax 505.814.7722 or filed with the Bernalillo County Probate Court 415 Silver Ave SW, Suite C204 Albuquerque, NM 87102

GRADY LAW & MEDIATION LLC

Attorney for Personal Representative BY DAVID A. GRADY 5106 Comanche NE Albuquerque, New Mexico 87110

Telephone 505.814.7720

Email: david@dgradylaw.com

HCS Pub. August 9, 16, 23, 2024

publication of this Notice or the claims will be forever barred. Claims must be presented either to the undersigned Personal Representative, c/o AHR LAW OFFICES, P.C., 6707 Academy Road NE – Suite A, Albuquerque, New Mexico 87109, or filed with the Bernalillo County District Court Downtown, Bernalillo County Courthouse, PO Box 488, Bernalillo County Courthouse, Albuquerque, New Mexico 87103. DATED this 31st day of July, 2024.

/S/ Michael Lawrence Armijo MICHAEL LAWRENCE ARMIJO Personal Representative of the Estate of DORIS JACQUELYN ARMIJO, Deceased

SUBMITTED BY: AHR LAW OFFICES, P.C. By /s/ Lewis J Terr LEWIS J. TERR Attorney for the Estate of DORIS JACQUELYN ARMIJO 6707 Academy Road NESuite A Albuquerque, New Mexico 87109

Telephone: (505) 821-5122

Facsimile: (505) 821-6868 HCS Pub. August 9, 16, 23, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

Case No.: D-202PB-2024-00587 IN THE MATTER OF THE ESTATE OF ANN MARIE MONTGOMERY, DECEASED, NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that Williethel Montgomery has been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to undersigned counsel of record at the address listed below via certified mail, or filed with the Second Judicial District Court of Bernalillo County, New Mexico, located at the following address: 400 Lomas Blvd. NW, Albuquerque, New Mexico 87102. Respectfully submitted, By: /s/R. Will Jenkins

R. Will Jenkins

ARAGON MOSS GEORGE JENKINS, LLP 2201 Menaul Blvd NE Albuquerque, NM 87107 Office: (505) 872-3022

Fax: (505) 214-5317

Email: jenkins@amgjlaw.com

HCS Pub. August 9, 16, 23, 2024

SECOND JUDICIAL DISTRICT COURT

COUNTY OF BERNALILLO

STATE OF NEW MEXICO Cause No. D-202PB-2024-00498

IN THE MATTER OF THE ESTATE OF JEANNE L. WHITE, Deceased.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has

SECOND JUDICIAL DISTRICT COURT COUNTY OF BERNALILLO STATE OF NEW MEXICO No. D-202-PB-2023-00915

IN THE MATTER OF THE ESTATE OF ROBERT EARL HANEY, deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of any

SECOND JUDICIAL DISTRICT COURT COUNTY OF BERNALILLO STATE OF NEW MEXICO Cause No.: D-202PB-2024-00538

IN THE MATTER OF THE ESTATE OF DORIS JACQUELYN ARMIJO, Deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first

SECOND JUDICIAL DISTRICT COURT COUNTY OF BERNALILLO STATE OF NEW MEXICO No. D-202-PB-2023-00766 IN THE MATTER OF THE ESTATE OF NELLIE B. PACHECO, Deceased. NOTICE OF HEARING BY PUBLICATION THE STATE OF NEW MEXICO: TO: UNKNOWN HEIRS OF NELLIE B. PACHECO, DECEASED, AND ALL UNKNOWN PERSONS WHO HAVE OR CLAIM ANY INTEREST IN THE ESTATE

OF NELLIE B. PACHECO, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER

MENTIONED HEARING.

Hearing on the Petition for Order of Complete Settlement of Estate by Personal Representative, approving all acts of the Personal Representative, approving the distributions and declaring the Estate fully settled and discharged from all claims or demands of interested persons, will be held at the Second Judicial District Court, Judge Joshua A. Allison, 400 Lomas, NW, Albuquerque, New Mexico, 87102 on September 30, 2024 at 1:30 p.m. Appearance can be in person or by Zoom.

Pursuant to 45-1-401 NMSA

1978, notice of the time and place of hearing on said Petition is hereby given you by publication, once each week, for three consecutive weeks.

Witness our hands and the seal of this Court.

Dated 8/1/2024, 2024 EWING LAW OFFICE, LTD.

300 Central SW, Suite 1000 West Albuquerque, New Mexico

87102 (505) 247-4051

By /s/ Steven C. Ewing

Attorney for Personal Representative

KATINA WATSON

CLERK OF THE DISTRICT COURT

By: Dawna Jarvis

Deputy HCS Pub. August 9, 16, 23, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

No. D-202-PB-2024-00518

IN THE MATTER OF THE ESTATE OF MATTHEW RAYMOND

PUARIEA, DECEASED NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to David A. Finlayson, attorney for the estate of Matthew Raymond Puariea, at FINLAYSON LAW FIRM, PC, 7301 Jefferson Street NE, Suite F, Albuquerque, NM 87109, or filed with the Second Judicial District Court, Bernalillo County Courthouse, 400 Lomas Blvd NW, Albuquerque, NM 87102.

Dated: July 30th, 2024

/s/ Karla K. Puariea

KARLA K. PUARIEA, Personal Representative

FINLAYSON LAW FIRM, PC

By: /s/ David A. Finlayson

David A. Finlayson

Attorney for the Personal Representative of the Estate of Matthew Raymond Puariea, Deceased

7301 Jefferson Street NE, Suite F Albuquerque, NM 87109

(505) 373-3500

HCS Pub. August 9, 16, 23, 2024

THIRTEENTH JUDICIAL DISTRICT COURT

COUNTY OF SANDOVAL

STATE OF NEW MEXICO

NO. D-1329-PB-2024-00085

IN THE MATTER OF THE ESTATE

Health City Sun

LEGAL NOTICES

OF MAX EDGAR MCCLELLAN, DECEASED. NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned have been appointed Personal Representatives of the Estate of MAX EDGAR MCCLELLAN, deceased. All persons having claims against this Estate are required to present their claims within four months after the date of the first publication of this Notice to creditors or sixty (60) days after the date of mailing or other delivery of notice, whichever is later, or the claims will be forever barred. Claims must be presented to the Personal Representative, c/o The Law Office of Cristy J. Carbón-Gaul, 10515 4th Street N.W., Albuquerque, New Mexico 87114, or filed with the Thirteenth Judicial District Court, 1500 Idalia Road, Building A, Bernalillo, New Mexico 87004.

DATED: June 18, 2024

Respectfully submitted by, THE LAW OFFICE OF CRISTY J. CARBÓN-GAUL

By: /s/ Cristy J. Carbon-Gaul Cristy J. Carbón-Gaul 10515 4th Street, N.W. Albuquerque, New Mexico 87114

505-899-5696

Attorney for Personal Representative HCS Pub. August 9, 16, 23, 2024

THIRTEENTH JUDICIAL DISTRICT COURT COUNTY OF SANDOVAL STATE OF NEW MEXICO No. D-1329-PB-2024-00099 IN THE MATTER OF THE ESTATE ) OF LYDIA H. ERNST, deceased )

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four months after the date of the first publication of this Notice if this Notice is given by publication as provided in Subsection A of Section 45-3-801 NMSA 1978, or within sixty (60) days after the mailing or delivery of this Notice for creditors who are given actual notice as provided by Subsection B of Section 45-3-801 NMSA 1978, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned Personal Representative at 21 Timberline, Irvine, CA 92604, or filed with the Sandoval County District Court.

DATED: June 12, 2024.

/s/ John Michael Ernst John Michael Ernst, Applicant 21 Timberline Irvine, CA 92604 (949) 683-3900

ROYBAL-MACK & CORDOVA, P.C.

/s/ Kenneth C. Leach

Kenneth C. Leach

Attorney for John Michael Ernst, Applicant PO Box 91658 Albuquerque NM 87199 Telephone: (505) 288-3500 Fax: (505) 288-3501 ken@roybalmacklaw.com

HCS Pub. August 9, 16, 23, 2024

MARTHA BAXTER BURKETT, DECEASED.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that KAREN BURKETT has been appointed Personal Representative of the Estate of MARTHA BAXTER BURKETT. All persons having claims against the Estate of Decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors, or the claims will be forever barred. Claims must be either be presented to Personal Representative, c/o The Law Offices of Erika E. Anderson, 105 Bryn Mawr Drive SE Albuquerque, New Mexico 87106, or filed with the Thirteenth Judicial District Court located at 1500 Idalia Road, Bernalillo, New Mexico 87004.

PREPARED BY:

LAW OFFICES OF ERIKA E. ANDERSON

By: /s/ Mitchel J. Olson

Erika E. Anderson

Mitchel J. Olson

105 Byrn Mawr Dr. SE Albuquerque, NM 87106

T: (505) 944-9039

F:505-219-4282

erika@eandersonlaw.com mitchel@eandersonlaw.com

Attorneys for Personal Representative

HCS Pub. August 9, 16, 23, 2024

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT

NO. D-202-PB-2024-00468

IN THE MATTER OF THE ESTATE OF RICHARD DOUGLAS SILVER, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that Mary Silver, has been appointed Personal Representative of the Estate of the Decedent. All persons having claims against the Estate of the Decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred.

Claims must be presented by delivering or mailing a written statement of the claim to the Personal Representative, c/o Sutin, Thayer & Browne, P.O. Box 1945, Albuquerque, New Mexico 87103, or filed with the District Court.

DATED this 2nd day of August, 2024.

Respectfully Submitted, SUTIN, THAYER & BROWNE

A Professional Corporation

By /s/ Jay D. Rosenblum Jay D. Rosenblum Lisa Y.W. Cosper

Attorneys for Personal Representative P.O. Box 1945

Albuquerque New Mexico 87103 (505) 883-2500

HCS Pub. August 9, 16, 23, 2024

persons having claims against this estate are required to present their claims within four months after the date of the first publication of this notice or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at his attorney’s address as listed below or filed with the Second Judicial District Court, 400 Lomas Blvd. NW, Albuquerque, New Mexico 87102, PO Box 488, County Courthouse, Albuquerque, New Mexico 87103. DATED: August 6, 2024. Respectfully submitted, HURLEY TOEVS STYLES HAMBLING & PANTER, PA By: /s/ Gregory W. MacKenzie Gregory W. MacKenzie, Esq. Attorneys for Special Administrator PO Box 31670 Albuquerque, NM 87190-1670 (505) 888-1188 greg@hurleyfirm.com

HCS Pub. August 9, 16, 23, 2024

OTHER

I, Tanasha Flanders affiant am the beneficial owner of certificate of title for TANASHA M. FLANDERS legal person born 1976 on the 15th day of June. I am familiar with the facts stated in rule 220. I am of the age of the majority after date of birth shown by said certificate. Having turned 18 years in the year of 1994 in the month of June. I became fully entitled and familiar with the facts recited.

HCS Pub. August 9, 16, 23, 2024

STORAGE AUCTIONS

NOTICE OF PUBLIC AUCTION:

Lien sale will be held for StorWise Self Storage Valley Vista 3901 Ervien Lane SW Albuquerque NM 87121 online at https://www.storagetreasures. com/ starting 08/07/2024 8 am, ending 08/21/2024 10am

AUCTION: Unit B12: Micheal Beder, 4659 Punta Sonrisa Santa Fe, NM 87507: household items, boxes, furniture, totes, home décor and folding chairs.

AUCTION: Unit J18: Samantha Lucero, 1808 William ST SE, Albuquerque, NM 87102: household items, luggage, scanner, mattress, baby clothes, baby furniture, boxes, storage containers.

ending 09/05/2024 12:00 pm

AUCTION: Dawn Rivas 7501 Isleta Blvd SW Albuquerque NM 87105 Unit 205: household items, boxes, furniture, totes, home décor, etc... All goods are sold as is and must be removed within 72 hrs of purchase. The sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions. net . Online bidding available for the following storage unit(s): Unit(s) 173B; Griselda Iturralde Valdivezo ; 10508 Rafael Rd SW, Albuquerque, NM 87121 : Household items

Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions.

net . Online bidding available for the following storage unit(s): Unit(s) 114; Ramona Zamora ; PO Box 6174, Albuquerque, NM 87197 : Household items

Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase.

Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions.

net . Online bidding available for the following storage unit(s): Unit(s) 252A; Louis Montes Rodriguez ; 224 Artrisco Vista SW #1017, Albuquerque, NM 87121 : Household items

Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase.

Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions. net . Online bidding available for the following storage unit(s): Unit(s) 132, 136; Chantelle Martinez, & Edmund Chee; 9880 Coors Blvd, NW #3402, Albuquerque, NM 87121 & PO Box 66942, Albuquerque, NM 87121: Household items Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment. HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions. net . Online bidding available for the following storage unit(s): Unit(s) 344; Jerome Martinez ; 495 Mitchell Dr. Bosque Farm, NM 87068 : Household items Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment. HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions. net . Online bidding available for the following storage unit(s): Unit(s) 421; Gerardo Moncada Alonso; 7701 Saltbrush Rd. SW, Albuquerque, NM 87121: Household items Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment. HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

STATE OF NEW MEXICO COUNTY OF SANDOVAL

THIRTEENTH JUDICIAL DISTRICT COURT No. D-1329-PB-2024-00132

IN THE MATTER OF THE ESTATE OF

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT Case No. D-202PB-2024-00342 IN THE MATTER OF THE ESTATE OF T.J CARR (THOMAS CARR), Deceased.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that MATTHEW FINKELSTEIN has been appointed special administrator of this estate. All

AUCTION: Unit C10: Victor Salcedo, 10620 Corona Ranch Albuquerque NM 87121: household items, air conditioner, ventilation ducts, ladders concrete, hoses, totes and barrels. All goods are sold as is and must be removed within 72 hours of purchase. Sale is subject to adjournment.

HCS Pub. August 2, 9, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held for Midtown Self Storage 4339 Cutler Ave NE Albuquerque, NM 87110 starting 09/05/2024 10:00 am,

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions.

net . Online bidding available for the following storage unit(s): Unit(s) 513; Gerald Beaumont ; 13500 Central Ave. SW Suite 165, Albuquerque, NM 87121: Household items

Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase.

Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions. net . Online bidding available for the following storage unit(s): Unit(s) 113 & 176A ; Sandra S. Alire Gomez ; 224 Atrisco Vista Blved. #541, Albuquerque, NM 87105 : Household items Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment. HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions.

LEGAL NOTICES Health

net . Online bidding available for the following storage unit(s): Unit(s) 531, 555; Diana Antillo ; 228 Valley High St. SW, Albuquerque, NM 87105 : Household items

Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions.

net . Online bidding available for the following storage unit(s): Unit(s) 104; Natacha Bonano Rivera ; PO Box 525, Albuquerque, NM 87105 : Household items

Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions.

net . Online bidding available for the following storage unit(s): Unit(s) 541; Shania Lujan ; 629 Maxine St. NE, Albuquerque, NM 87123 : Household items Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions. net . Online bidding available

for the following storage unit(s): Unit(s) 234; Jozlin Ayala ; 532 Dean Dr. SW, Albuquerque, NM 87121 : Household items Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

NOTICE OF PUBLIC AUCTION:

Lien sale will be held via competitive bidding by Route 66 Self Storage, 9500 Central Ave SW, Albuquerque NM 87121 on August 26, 2024 at appox. 6pm. at https://storageauctions.

net . Online bidding available

for the following storage unit(s): Unit(s) 242; Angelica M. Feliz-Leyva ; 9820 Inniskillin Ave. SW, Albuquerque, NM 87121 : Household items

Purchases must be made with money order or cash only and paid for at the time of sale. All goods are sold as is and must be removed at the time of purchase. Sale is subject to adjournment.

HCS Pub. August 9, 16, 2024

Auction of household goods for unpaid storage rent by John Thompson, 9951 Osuna Rd NE, ABQ, NM,87111 at Economy Storage, 10308 Candelaria Rd NE, ABQ, NM 87112 at 11:00 a.m. Monday August 26th. HCS Pub. August 9, 16, 2024

Notice of Public Sale On OCTOBER 16,2024 at 08:30 am in the county of Bernalillo abd specifically at 109 Headingly Ave NW, Albuquerque NM 87107 the following vehicles will be sold to satisfy debt incurred. Terms cash in hand at time of auction. 2021 KAWASAKI KLX140 MC Vin # JKBLXPB36MDA33326 debit of $313.80

Cool Ways to Protect Yourself from Heat-Related Illness

Muchof the U.S. could face hotter than normal conditions this year as the climate crisis drives higher temperatures—but you can keep yourself and those you care about safe.

Consider these facts and figures:

• 2023 was the hottest year on record, and scientists warn that 2024 could break records again.

• Since the 1960s, heat waves have become more frequent, more intense and longer lasting.

• Heat-related deaths are on the rise.

What You Can Do

When extreme heat blankets the country, the American Red Cross recommends you take these steps:

1. Slow down by postponing or limiting outdoor activities, including strenuous exercise. If you must work outdoors, take frequent breaks and try to schedule tasks early or late in the day. Remember, hot cars can be deadly—never leave children or pets in a vehicle.

2. Stay hydrated. Drink plenty of water and avoid sugary, caffeinated and alcoholic drinks. Be sure animals have access to plenty of fresh water and shade.

3. Spend time indoors in an air-conditioned place. If you don’t have air conditioning, go to a public library, shopping mall or public cooling center. Call 211 to find an open location. Check on loved ones and neighbors who may be at risk and lack air conditioning to ensure they are safe.

Signs of Illness

You should also know how to recognize the signs of heat-related illness and what to do. It’s critical to react quickly.

• Heat can make anyone ill, especially older adults, the very young, pregnant women and those with chronic medical conditions. People who work outdoors, have limited personal resources and live in places without green spaces are also at higher risk.

• Heat cramps are an early sign of trouble and include heavy sweating with muscle pains or spasms. To help, move the person to a cooler place and encourage them to drink water. Get medical help if symptoms last longer than an hour or if the person has heart problems.

• Heat exhaustion is a more severe condition signaled by cool, pale and clammy skin; a fast or weak pulse; nausea or vomiting; tiredness or

weakness; or a headache, dizziness or passing out. To help, move the person to a cooler place, loosen tight clothing and encourage them to sip water slowly. Use wet cloths, misting or fanning to cool them off. Get medical help right away if symptoms worsen or last longer than an hour, or if the person vomits or acts confused.

• Heat stroke is a deadly condition that requires immediate medical help. Symptoms include a high body temperature; hot, red, dry or damp skin; a fast or strong pulse; a headache or dizziness; or nausea, confusion and passing out. Call 911 right away if you think someone may have heat stroke. Then move the person to a cool place, and use wet cloths, misting or fanning to help cool them off. Do not give the person anything to drink.

Extreme Weather on the Rise

Along with heat waves, the U.S. is experiencing more frequent and intense disasters. The Red Cross encourages everyone to prepare now by making a plan to stay safe, gathering important supplies and knowing how you’ll stay connected. Visit redcross.org or download the free Red Cross Emergency app for real-time weather alerts and safety information in English and Spanish. Find the app in smartphone app stores by searching for the “American Red Cross.”

-(NAPSI)

COMMENTARY

Too Much Sun Can Cause Skin Cancer, But This Woman Was Cured

President Biden, First Lady Jill Biden, Hugh Jackman, Diane Keaton, Melanie Griffith, Richard Simmons and Caitlyn Jenner have all had nonmelanoma skin cancer, the most common type of cancer in the United States. More than 3.3 million Americans are diagnosed with this disease every year, and most undergo Mohs surgery, which can be painful and disfiguring. Seattle-area resident Cheryl Cayford was happy to find an FDA-cleared device providing a nonsurgical cure.

“I’ve been diagnosed with skin cancer twice before and treated successfully with Mohs surgery, so I am certainly familiar with that procedure,” she says. “When my doctor subsequently told me a sore on my nose was malignant, thoughts of those surgeries with the accompanying discomfort and scarring came flooding back. There was a real bit of panic as well. Surgery on my nose with plastic surgery to follow seemed way more daunting than the previous surgeries on my shoulder and arm.”

Without Surgery

dermatologist, mine still is as well.”

But this time, her dermatologist told her there was a noninvasive option that delivers the same 99%-plus cure rate as Mohs surgery, with no pain, surgical scarring or need for reconstructive surgery. Cheryl chose that alternative, called image-guided SRT or the GentleCure Experience. It involves the use of low-level x-rays precisely targeted with the aid of high-resolution ultrasound imaging. Cheryl sat for a series of 15-minute treatment sessions in her dermatologist’s office over the course of six weeks.

“I was in and out in minutes,” she says, “and during each visit my provider showed me ultrasound images of the cancer cells shrinking away. Today, I’m cancer-free with no visible signs of having had any medical procedure at all.”

For Cheryl, GentleCure had additional meaning. “I have two daughters and I think their noses are adorable,” Cheryl notes with a laugh. “Thanks to my

Jacob Scott, MD, president and chairman of Dermatology Association of Radiation Therapy, noted, “The sun’s harmful ultraviolet rays are a leading cause of nonmelanoma skin cancer, and the cellular damage is cumulative over time. That explains why we see more of this type of cancer in seniors. In fact, one in five Americans will develop skin cancer by the age of 70, but there are other factors that put some of us at higher risk, such as having fair skin, red or blond hair, or green, blue or gray eyes. For those who fear surgery or who are, due to medical conditions, poor candidates for Mohs surgery, image-guided SRT can be a life-changing alternative.”

Image-guided SRT, the essence of the GentleCure Experience, is covered by Medicare and most insurance plans. It is available in select dermatology practices around the country. Information about the treatment is available at www.gentlecure.com.

-(NewsUSA)

Every family’s financial situation is unique, with different challenges, opportunities and cultural considerations affecting their decisions about money. For some -- particularly families who have immigrated from Latin America, where financial services are less regulated than in the United States -- a mistrust of financial institutions may also influence decision-making.

3 Tips for Latino Families Working With a Financial Planner

According to the Federal Deposit Insurance Corporation (FDIC), Latino households are five times less likely than white ones to have a banking relationship. Other research has found that financial challenges facing the Latino community range from higher debt and lower household wealth to less awareness of, or access to, diverse financial products.

Although this can make planning for your family’s future seem complicated and overwhelming, a CERTIFIED FINANCIAL PLANNERTM professional has the education and experience to help you make sense of your financial options and chart a path to reach your short- and long-term goals. CFP® professionals also make a commitment to the CFP Board to act as a fiduciary when providing financial advice to clients, which means they have agreed to put their clients’ best interests first.

Here are three tips for building trust and making the most of a partnership with a CFP® professional:

1. Look for a CFP® professional with international expertise. If your family members don’t live near you, estate planning can be challenging, so make sure you prioritize that with your planner. Cross-border issues need to

be taken into consideration to minimize financial consequences. Make sure you ask your financial planner to give examples of how they’ve dealt with similar client issues in the past.

2. Include your family in the planning process. If your focus is on taking care of your family as a unit -- or you rely on your closest relatives for advice -- it may be smart to involve your partner, parents and children in your financial plan. This enables you to work together as a family to align your financial plan with the family’s well-being. It can also accelerate relationship-building with your financial planner as they learn about your values, culture and unique traditions.

3. Make sure your financial plan covers your needs. Most plans include cash flow planning, retirement, education, taxes and estate planning. Including plans for establishing credit, debt management and asset protection is also important. Don’t be afraid to ask your planner questions about financial structures and products that you’re not familiar with, or have them explain the advantages and disadvantages of different options. You can also ask your planner for illustrations or other graphic representations of your options. Visit LetsMakeAPlan.org to find a CFP® professional in your area and for more tips on making a solid financial plan.

Getting started on a comprehensive financial plan today will prepare you for a more secure tomorrow.

-(NewsUSA)

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