Broker Check

Financial Services Overview

For 45 years I have become a trusted resource for people planning retirement transitions. I'm familiar with the steps one can take to make a retirement transition easier. I want to see that you have enough money to enjoy the lifestyle you love for the rest of your life.

Retirement represents a major financial and life transition. That's why it's important to find the right retirement advisor - a professional who can give you the time, care and insight you need and deserve.

If retirement is on your mind, please contact me. I need no learning curve when it comes to understanding your career, your schedule, and your priorities.

My office is conveniently located in Arvada and I have been at this same location in the Arvada community for over 20 years: 8100 Ralston Road, Suite M-20, Arvada, CO 80002.

Service Areas

  • Wealth Management
  • Retirement Planning
  • Financial Planning & Advice
  • IRA's
  • 72(t)
  • 401k and 401k Rollovers
  • Specializing in Baby Boomers

Investment strategy and implementation is a large portion of the work we do and the results speak for themselves. Additionally, we are prepared to help with wealth management, an umbrella term covering other pieces that impact your total financial well being. These include:

  • Investments - all types - to reach your retirement or other goals
  • Tax mitigation options so you get to keep more of your hard earned money
  • Medical and long term health care options to protect against the unexpected
  • Estate planning, to include your will and any trusts you choose to set up
  • Mortgages; is now a good time to refinance and if so, with whom
  • Charitable contributions; options for structuring

Some of these activities are managed in-house and for some we partner with trusted specialists - attorneys, CPA's, etc. - individual experts who have proven track records working with our clients. Managing these pieces together streamlines efficiency and communications, providing cohesive results. (By the way, fewer than 7% of financial advisors are wealth managers, able to assist with the above.)

Timing

Schedules are busy these days; we understand. Tell us what works for you and we'll make it happen. Usually initial meetings can be scheduled within a week so you can move forward on getting your questions answered and start planning for a secure financial future.

Getting Started

Call us for an initial complimentary consultation appointment. During this first meeting we get to know each other a bit, talk through your goals and identify areas where you could use a little help defining specifics. When considering retirement, most people are unsure about how much money they'll need to maintain their current lifestyle and when they can afford to retire. Not to worry, we can help you figure these things out.

To get a complete picture of your priorities and preferences, our proprietary survey helps organize info and guides you through telling us about your individual situation. Your feedback is the basis for internal research and custom recommendations which are then reviewed with you.

After this step you determine how you feel about us and if you want to move forward. It's only once you decide to work with us that any service fees come into play.

Keeping up with financial prospectuses, statements and related paperwork can be challenging. We'll corral and organize everything in a quick retrieval binder that can sit on your bookshelf. Easy to review should questions arise, with everything accessible in one place.

Up to the minute information regarding your investments is always available online. A summary page displays a snapshot and complete details are just a mouse click away, ready when you are.

Keep current, easily. Our Economic Market Updates, delivered weekly or monthly (your choice) via email make it effortless to say informed. Get the info you want in just moments.

Costs

How much do these services run? The answer depends on the complexity of the solutions required.

First and foremost, your initial consultation is complimentary. Then, typically, the range is $500 for me to prepare a simple to moderate plan, moving up to a maximum of $1,000 for the most complex plan. This is a one-time fee, not an initial charge with monthly or quarterly fees added on top of that. (If, based on your goals and our research, we believe options that carry additional fees or commissions are in your best interest, those will be included in our recommendations.)

Compared with other options this represents good value. (Please do shop around.) To put this in perspective, think about how easy it is to lose many times this amount with misdirected financial actions. Or even with months, or years, of procrastination.

Focused On Long Term Solutions

Our business structure does not include commissions on stock transactions. So there's no incentive to encourage you to buy more or to move investments around. Our focus is on long term solutions, developed based on your individual preferences and goals.