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Fort Collins, Denver, Loveland, Estes Park, Greeley, Colorado, Cheyenne

Retirement Planning

Your Future


Retirement Planning is a way to help you insure that your future in retirement will be successful and stress free.

Retirement Planning is an iterative process, with many decisions made, and re-made during your retirement.  Even deciding on when to begin taking Social Security can change over time.  You might have decided to delay taking benefits until age 70 to maximize your future monthly payments, but then life happens and you decide to begin taking benefits at age 64.

Part of the "Putting It All Together" process, is projecting over time how your finances will hold up during your expected life expectancy, taking into account average asset growth, taxation, and expense growing with inflation over time.  The projections are obviously more accurate the shorter the projection time period, and less accurate the further out we look.  You are going to be more accurate projecting what you think might happen 3 years from now, compared to projections you might have about what might happen 30 years from now.


Life is not linear, and Average never happens


Even with the limitations of long term projections, everyone should have some form of projections to help them understand what may, or what might happen during retirement.

To help remove anxiety about what might happen in the future, we can "Stress Test" your Retirement Plan for several "What If" potential scenarios.  

What If -  I die premature

What if -  I become disabled during retirement

What If -  I outlive my assets

What If -  The Stock Market goes crazy (Monte Carlo Simulations)

What If - 


We can help you with these questions

Your Parents Retirement


The typical Retirement scenario for our parents


Three Legged Stool : Pension from Work, Personal Assets (Investments, Life Insurance, Home), and Social Security


Interest Rates - 8 - 18%


Expected Income Need -  Comfortably live off of 75 - 80% of pre-retirement income


Life Expectancy -  64 Men   72 Women

Your Retirement


The typical Retirement scenario today


Three Legged Stool : Social Security, 401K / 403B from Work (then transferred to IRA), and Personal Assets (Investments, Life Insurance, Home)


Interest Rates - zero (0)


Expected Income Need -  Comfortably live off of 100 - 120% of pre-retirement income (go-go years)


Life Expectancy -  78 Men   86 Women, 92 if married at retirement

Economic / Legislative


Secure Act


Cares Act



Social Security Planning

Social Security Planning

Social Security Planning is Critical

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Healthcare / Long Term Care

Healthcare / Long Term Care

Healthcare and Long Term Care will be two of the largest expenses for most retirees.  

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Assets and Cash Flow

Assets and Cash Flow

How Much Do I Need to Retire?  Which Assets Do I Use First?

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Putting It All Together

Putting It All Together

Years of experience have prepared us to guide you through your pre and post retirement years.

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Retirement Milestones

Retirement Milestones

When to Take Medicare, Social Security, and RMD's

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Blended Families / Second Marriages

Blended Families / Second Marriages

Blended Family / New Marriage in Retirement

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Fraud and Elder Abuse

Fraud and Elder Abuse

Identity Theft, Cyber Theft, Diminished Capacity, Abuse

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Legacy and Leftovers 

Legacy and Leftovers 

Memories, Digital Photos, Social Media, Ancestry, Charitable Giving

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Our Retirement Planning Process


When you look at the diagram below, you can see that it is more than just picking stocks or bonds. And very few advisors have the direct experience in selling health insurance, life insurance, medicare supplements, long term care policies, annuities, etc.  We have that experience, and it makes a difference.

There is also an age component in Retirement Planning as well, when considering who you are going to ask advise from.  There is a huge difference between "Book Learning" and real world experience.  We know, because over the course of our careers, we have been both.

Over years of experience, this has become our Retirement Planning Process.  I think that you would agree that Retirement Planning is a much more complex process than you might have first thought.









Another important aspect of Retirement Planning has to do with Retirement Cash Flow.  It makes a difference as to which assets you use to fund your cash flow needs during retirement.  The funds may be a "Return of Principle", Taxed as Income, Taxed as a Dividend,  Taxed as Long Term Capital Gain, Taxed as Short Term Capital Gain, Taxed Differed, or Tax Free.  What is important, is that you receive as much as you can, while paying the least amount of tax that you can.


The following shows some of that complexity.









Believe it or not, there are even more options and strategies than are shown here.




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