Getting You To Where You Want To Be
Let’s Plan Your Journey
Protect What Matters Most
When people depend on you, insurance provides peace of mind. One of the most rewarding things we do is put plans in place to protect your family in the event of the worst-case scenarios.
Income Protection & Disability Insurance
During your working years, your most valuable asset is your current and future ability to earn a living.
Most people don’t know that they’re four times more likely to become sick or injured, and unable to work for an extended period of time than they are to die during the course of their career.
Both have a similar financial impact on the ability to provide income, but being faced with an illness or injury may cause greater financial stress due to the cost of appropriate medical care.
A solid income protection plan, anchored by an affordable disability insurance policy is vital to protecting your family.
Set up a visit to our office to discuss the options that could give you peace of mind.
A financial plan is not complete without considering how to care for your family in the event that you are taken from them, ensuring that their quality of life and opportunities don’t suffer as a result.
Each individual and family has widely varying life insurance needs that change with time – this protection can and should be affordable, and our job is to help you make informed decisions for you and the people who count on you.
Give us a call or set up a visit to our office to discuss your current coverage, what makes sense for your circumstances and how much it should cost.
Long-Term Care Insurance
Apart from taxes, the largest cost most people face in retirement is medical care – you need a plan to cover what Medicare doesn’t.
We strongly believe in making plans for this phase of life to prevent the impact on savings that medical needs can have, protecting the quality of life for you, your kids and surviving spouse.
In recent years, insurance companies recognized changing consumer needs and developed new strategies, radically changing the design of this coverage. Guaranteed premiums, benefits that last forever and a death benefit for beneficiaries are a few features that exist in the plans we love.
You can even pay for these plans with a one-time lump sum, and never have to worry about it again.
We’d be happy to evaluate your long-term care options and help you develop a plan that suits your needs. Submit the form to schedule an introductory consultation, or call us at (720) 504-4091.
SCHEDULE YOUR COMPLIMENTARY REVIEW
Build Your Wealth with Purpose
“Wealth is a planned result that requires productive work and dedication.” – H.W. Charles
If you’re an investor, chances are your portfolio is market-diversified. But is it tax-diversified?
Your retirement probably depends more on the latter than the former, but you have to get started early.
During retirement, your largest bill won’t be food, housing, or even health care (that’s your second largest). Without wise planning, your largest bill, by far, will be taxes.
We have all been told that we’ll save taxes by investing in our IRA’s…but what they don’t tell you is that in retirement EVERY DOLLAR will be taxed in full. When you’re on a fixed income in retirement, you want as much control as you can get over how much tax you pay.
By carefully crafting your portfolio to include all kinds of tax situations, we can help give you the ability to live the lifestyle you want in retirement.
We consider our clients’ current and future potential tax situations, and work with their tax advisors to make sure we are putting the best plan in place. The earlier you start planning, the easier it is to be tax diversified – contact our office to get started!
Contributing to a ROTH IRA can be a great strategy to save for retirement, but there are restrictions that limit its effectiveness, such as contribution limits, income caps and early withdrawal penalties.
With the strategy we call the “Super Roth”, you get many of the same benefits of a traditional ROTH but without the limitations.
Submit the form to Learn more about how to round out your retirement plan with tax-free assets.
Highly Efficient Investing
According to Statista, for the past 25 years, over 40% of households in the United States have owned mutual funds. The main concept of these funds is spreading investments across various assets to smooth out risk over time.
But as many people find, while these funds can be effective at neutralizing risk potential, they also come with costs that limit opportunity for growth in their accounts. Forbes Magazine estimated in 2011 that costs, taxes, and inefficiencies in mutual funds contribute to a decreased growth of 2.5% to 3% annually. This can result in a 50% lower return over just 10 years!
We are passionate about cost-efficient, tax-efficient investing. We are among the few advisors that offer a system known as Separately Managed Accounts (SMA). This strategy has been used by pensions and millionaires for decades, but we can now make it available to people with much lower investment minimums.
Some key distinctions between these strategies:
The result? More control, transparency, lower fees all adding up to increased performance without additional risk.
Our team uses a proprietary audit program to examine portfolios for efficiency. If you’d like to “pop the hood” on your investment portfolio and see whether an SMA plan would improve your performance, schedule an initial consultation, to learn more about our account analysis service that we offer our clients.
Retirement and Beyond
“Often when you think you’re at the end of something, you’re at the beginning of something else.” – Fred Rogers
Going into retirement without a plan is stressful, even if the money is there. We’re used to paychecks, and having that steady paycheck gives us confidence. Retirement is no different. We’ve found that having a paycheck you can count on creates all the difference; one that’s guaranteed and will last your entire life. Over our years of experience with clients, we have found that assets create stress, but income creates peace of mind.
With our strategic approach to Retirement Income Planning, we look at the whole picture, and help you create a plan to create the guaranteed “pay-check” you need, while allowing for a “play-check” you want.
Schedule a session to discover how you can set your retirement with income for life.
Protect Retirement Funds Against Serious Health Care Costs
Taxes may be your largest cost in retirement, but health care comes in a close second. A serious medical issue, such as chronic issues requiring long-term care, can very easily blow up even the best retirement plans, and leave a retiree or a surviving spouse destitute and requiring welfare. According to the Colorado Department of Health and Human Services, 70% of seniors will need long-term care before passing on.
Making a long-term care plan part of your retirement plan can protect your retirement funds and help them live as long (or longer) than you do.
Contact us, and we can help you put together a plan for this possibility.
Lowering Your Tax Bill
For years, you’ve been building that nest egg in your 401k or traditional IRA. You’ve worked hard, saved responsibly, and now you feel great about how much its grown! But what happens when you start taking it out in retirement? The IRS is rubbing its hands in glee…
In retirement, your largest expense won’t be housing, it won’t be medical care, or even that RV. It will most likely be taxes, especially if most of your savings are in a 401k or IRA. Not only that, but it can lead to taxation of your social security benefits.
Proper planning can mitigate the taxes you pay and this social security taxation. Choosing accounts with appropriate tax treatments, as well as timing when you take money from different accounts can have a huge impact on the tax you pay.
We can help you put together a retirement plan that minimizes what you pay to Uncle Sam.
We diversify in order to spread our money out, and protect it from loss. If you’re investing in the market, chances are your investments are already market-diversified. But True Diversification means more than that.
Wall Street would have you believe that in order to gain diversification, you need to own more than one stock, more than 10, more than 50. However, this didn’t prevent the S&P 500, which has 500 stocks, from losing 27% during march 2020.
Protection from loss is only accomplished by moving your money to a safe place through True Diversification. Using various methods, you can protect the money you need to protect, and still allow for reasonable growth.