CONNECT

Address:

155 E Boardwalk, Suite 470
Fort Collins, CO 80525

Phone:

970-225-2001

Fax/Other:

970-225-2095

Young
Mid-Career
Pre-retiree
Retiree
Women
Families

YOUNG PROFESSIONALS

Life Events: Starting Out, Getting Married, Changing Jobs, Buying a Home, etc.

 

Additional Resources: 

 

Financial Basics for Millennials
Understanding Your Paycheck
Test Your Knowledge of Financial Basics
All About Credit Scores
Maintaining Your Financial Records: The Importance of Being Organized
Repaying Your Student Loans
Paying for Graduate School
How Student Loans Impact Your Credit
Investment Planning Basics
ABC's of Auto Insurance
What to Do After You've Been Automatically Enrolled in Your Company's Retirement Plan
Evaluating a Job Offer

 

FAQs

 

Should I Buy a Home or Continue Renting?
Should I Buy or Lease a Car?
Can I Refinance Student Loans?
Should I Contribute to My 401(k) Plan at Work?
Will Social Security Be Around for Me?

 

Decision Tools

 

Personal Cash Flow Worksheet
Buying a Home Calculator
Auto Loan Payment Calculator
Debt Payoff Optimization Calculator
 

back to the top

 

 

MID-CAREER

Life Events: Starting a Family, Starting a Business, Buying a Home, Saving for College, etc..  

 

Additional Resources:

 

Five Keys to Investing for Retirement
Understanding Your Paycheck
All About Credit Scores
Maintaining Your Financial Records: The Importance of Being Organized
The Joys and Challenges of Parenthood
Handling Market Volatility
Staying on Track with Your Retirement Investments
Retirement Plan Considerations at Different Stages of Life
Investing Basics and Your Retirement Plan
Myths and Facts About Social Security
How Secure is Social Security
Social Security Benefit Basics
Evaluating a Job Offer
Impact of Inflation

 

FAQs

 

What is the Benefit of an Employer Match?
What is Asset Allocation and How Does It Work?
What is Dollar Cost Averaging and How Do I Know if It's Right for Me?
Should I Be Investing More Aggressively?
Will Social Security Be Around for Me?

 

Decision Tools

 

Personal Cash Flow Worksheet
Buying a Home Calculator
Auto Loan Payment Calculator
Debt Payoff Optimization Calculator
 

back to the top

 

 

PRE-RETIREE

How Much Investment Risk is Right for Me?        Risk Assessment

 

Will I Run Out of Money?   

• “Understanding the Reality of your Financial Future” 

“Understanding Asset Allocation Strategies”
        

Life Events: Long-Term Care Planning, Planning an Estate, Financial Windfall, Planning For Business Succession, etc...

 

Additional Resources:   

 

Retirement Planning Key Numbers
Deciding When to Retire: When Timing Becomes Critical
Rollovers
How Much Annual Income Can Your Portfolio Provide?
Common Factors Affecting Retirement Income
10 Years and Counting: Points to Consider as You Approach Retirement
Maintaining Your Financial Records: The Importance of Being Organized
Handling Market Volatility
Staying on Track with Your Retirement Investments
Retirement Plan Considerations at Different Stages of Life
Understanding Social Security
Social Security Survivor Benefits
Social Security Claiming Strategies for Married Couples
I'm Getting Re-Married, How Will This Affect My Social Security?

FAQs

 

How Can I Get an Estimate of My Social Security?
What Are Required Minimum Distributions and How Are They Calculated?

 

Decision Tools

 

Personal Cash Flow Worksheet
Sources of Retirement Income: Filling The Social Security Gap
Life Expectancy by Gender at Birth and Age 65
Social Security Break Even Calculator
Social Security Benefit Calculator: Married Couples
 

back to the top

 

 

RETIREES

How Much Investment Risk is Right for Me?        Risk Assessment

 

Will I Run Out of Money?   

• “Understanding the Reality of your Financial Future” 

“Understanding Asset Allocation Strategies”
        

Life Events: Long-Term Care Planning, Planning an Estate, Loss of a Spouse, etc...

 

Additional Resources: 

 

Five Keys to Investing for Retirement
Maintaining Your Financial Records: The Importance of Being Organized
Handling Market Volatility
Staying on Track with Your Retirement Investments
Understanding Social Security
Social Security Claiming Strategies for Married Couples
Four Things Women Need to Know About Social Security
Estimating Your Retirement Income Needs
Health Care Reform: Considerations for Seniors

 

FAQs

 

Should I Retire Now at 62 and Collect Social Security or Wait Until Full Retirement Age?
Are My Social Security Benefits Subject to Income Tax?
If I Delay Receiving Social Security, Should I Still Sign Up for Medicare at Age 65?
What If I Change My Mind About When to Begin Social Security?

 

Decision Tools

 

Personal Cash Flow Worksheet
Sources of Retirement Income: Filling The Social Security Gap
Life Expectancy by Gender at Birth and Age 65
Social Security Break Even Calculator
Social Security Benefit Calculator: Married Couples
 

 

back to the top

 

 

WOMEN

Life Events: Nearing Retirement/Retirement, Caring for an Aging Parent, Loss of Spouse, etc..

 

Additional Resources:

 

Women and Estate Planning Basics
How are Women Different from Men –  Financially Speaking
Women and Money: Taking Control of Your Finances
The Traits of a Good Investor and How Women Can Make the Most of Them
Women and Work: Why Salary, Benefits and Work-Life Balance Count
Planning for Marriage: Financial Tips for Women
Women: Planning for the Financial Impact of Children
Maintaining Your Financial Records: The Importance of Being Organized
Adjusting to Life Financially After a Divorce
Staying on Track with Your Retirement Investments
Retirement Income Roadmap for Women
Retirement Income Gender Gap: Dealing with a Shortfall
Myths and Facts About Social Security
Four Things Women Need to Know About Social Security
Counting on Your Husband's Retirement Income? Three Things Women Should Know
Women: What You Should Know When Starting a Business

 

FAQs

 

Am I Liable for My Spouses Debts?
I Don't Know Much About Investing, Should I Let My Husband Make the Decisions?
Does it Make Sense for Both Me and My Husband to Work After Our Child is Born?
How Can I Find Out if My Deceased Husband Owned any Life Insurance?

 

Decision Tools

 

Personal Cash Flow Worksheet
Additional Information Resources for Women
Life Expectancy by Gender at Birth and Age 65
Population Age 65 and Older in Skilled Nursing Facilities
 

back to the top

 

 

FAMILIES - INDIVIDUALS

Our 5 Step Process

5 Step Planning Process

  • Your financial plan is a map for your life's journey.
  • As a result, you are actively engaged with our planners to develop solutions that will achieve your goals as efficiently and effectively as possible.
  • As Fiduciaries, we are obligated to serve YOUR Best Interests first.

1.  Education:  ClearPath Sequence of Returns Video
To improve your retirement planning outcomes, it is helpful to answer two key questions: 
•  How much risk do you NEED to take?  
•  How much risk do you WANT to take?

Videos:
•  “Understanding the Reality of your Financial Future”
•  “Understanding Asset Allocation Strategies”

2. Goal Analysis: Demographics, Goals, Resources

 

 

Goal Analysis

Regardless of whether your goal is to:

  • Retire sooner
  • Make sure you don't run out of money
  • Travel more
  • Care for a loved one
  • Spend more time with family and friends
  • Financial Independence as early as possible
 
 
                                                  
 
 

3.  Risk Assessment:  Investment Strategy Optimization

    Riskalyze Risk Assessment – Link

 

•  Our 3-minute risk quiz can help you pinpoint your portfolio risk with your comfort level. 

•  Why? People often invest more aggressively than they need to in order for them to reach their goals.
•  How would your portfolio have held up in 2008?

•  How sensitive is your portfolio to interest rate increases?

•  How efficient, expensive or transparent is your portfolio? 

•  Find out by completing our short risk quiz now.

4.  Results Analysis:  Review Scenarios, Fine Tune

Plan Review - Implementation

  • You decide and control which strategies serve you best
  • We help you implement your plan strategies
  • We coordinate your plan strategies with your other service professionals (CPA, Attorney, etc.)

5.  Success Tracking:  Update Plans, Adjustments, Rebalance Allocations

 

Retirement and Financial Planning is a fluid process with multiple variables and decisions which impact your outcome.

Our process is client centric, fun and engaging

You CAN achieve YOUR goals.

Let us help you TODAY!