Building a secure financial future requires more than just saving money—it requires a strategic approach tailored to your unique goals and circumstances. Our comprehensive financial planning services are designed to help individuals and families create roadmaps for long-term wealth building, retirement security, and financial peace of mind.
Whether you're just starting your career, planning for retirement, or managing significant wealth, we provide personalized strategies that adapt to your evolving needs and market conditions.
Our Denver-Based Financial Planning Services
Retirement Planning
We help you build a retirement strategy designed to maintain your desired lifestyle throughout your golden years. Our approach includes optimizing 401(k) and IRA contributions, creating diversified income streams, and developing withdrawal strategies intended to preserve your capital while providing steady income.
Investment Management
Our investment strategies focus on helping you pursue long-term wealth while managing risk through diversified portfolios. We offer both active management and passive indexing options, along with sustainable investing approaches that align with your values while aiming to deliver competitive returns.
Tax Planning
We identify opportunities to potentially minimize your tax burden with strategic planning that includes tax-loss harvesting, income optimization, and efficient use of tax-advantaged accounts. We stay current with changing tax laws to help ensure your strategy remains effective year-round.
At Colorado Financial Advisors, we do not provide legal, accounting or tax advice but we do coordinate our services and work together with our customers’ legal and tax professionals.
Estate Planning
Protect your legacy and ensure smooth wealth transfer to your heirs through comprehensive estate planning. We coordinate wills, trusts, and other legal instruments to help minimize estate taxes and provide clear direction for your assets.
Estate planning services provided in conjunction with your licensed legal professional.
Insurance Planning
Safeguard your financial plan against unexpected events with appropriate insurance coverage. We evaluate your needs for life, disability, and long-term care insurance to help ensure your family's financial security.
Our Approach
Why Choose Colorado Financial Advisors
for Professional Financial Planning?
🎓
Knowledge and Experience
Professional financial planners bring specialized knowledge of tax laws, investment strategies, and market dynamics, all of which can impact your financial outcomes.
🎯
Objective Perspective
An experienced financial advisor can help you avoid emotional decision-making and stay focused on long-term goals, even during market volatility.
⏰
Time Savings
Managing investments and staying current with financial regulations is time-consuming. Professional planning allows you to focus on your career and family while financial advisors handle your financial strategy.
🔗
Coordinated Strategy
Rather than managing separate accounts and investments independently, comprehensive planning helps ensure all aspects of your financial life work together efficiently.
Who We Serve
Young Professionals
Early career planning focuses on building emergency funds, maximizing employer benefits, and establishing investment habits that leverage compound growth over time.
Growing Families
Family financial planning addresses education funding, life insurance needs, and balancing current expenses with long-term wealth building goals.
Pre-Retirees
As retirement approaches, we help optimize savings strategies, plan for healthcare costs, and develop income replacement strategies.
Retirees
Retirement planning focuses on creating sustainable income streams, managing healthcare expenses, and preserving wealth for your legacy.
Getting Started
01
Initial Consultation
We begin with a comprehensive review of your financial situation, goals, and concerns. This consultation helps us understand your needs and allows you to evaluate our approach.
02
Plan Development
Based on our analysis, we develop a customized financial plan that addresses your specific objectives and risk tolerance.
03
Implementation
We help you implement your plan, coordinating with other professionals as needed and providing ongoing guidance throughout the process.
04
Regular Reviews
Your financial plan evolves with your life. We schedule regular reviews to help ensure your strategy remains aligned with your goals and market conditions.
Take the Next Step
Ready to take control of your financial future? Contact us today to schedule your initial consultation. We'll discuss your goals, review your current situation, and show you how comprehensive financial planning can help you work toward achieving the security and peace of mind you deserve.
FAQs
Why do you have a 12 month contract?
The 12 month initial contract is designed to help execute your financial plan. We feel an ongoing relationship is the best method to stay on track and maintain success. After 12 months, your relationship converts to month to month.
Do you work by the hour or project?
We do not work by the hour. In order for us to give you the best advice, we need to dive into all areas of your finances. Working by the hour does not fit our philosophy of providing comprehensive advice
What happens after 12 months?
After the initial 12 months, your relationship continues on. Your financial plan is updated annually and we meet throughout the year based on your plan level. However you are no longer under any contract and can cancel anytime.
Is my fee reduced after 12 months?
While we have very few rules set in stone, traditionally we do not. While there is quite a bit of work done upfront, we designed our fees to spread the true cost to us over the years. Instead of charging a setup fee and then reducing your fee, we believe a set and predictable fee is the preferred approach.
Does your pricing depend on how much money I have?
Absolutely not! Our pricing is independent of how much money you have or how much money you make. It is strictly based on the complexity of your situation.
What's the difference between each plan?
The advanced financial plan is designed for those just starting out. The main objective is to organize your documents, establish a foundation, and start implementing initial financial planning techniques such as saving, enroll in company benefits, or paying off debt.
The professional financial plan is designed to reach financial independence. The main objective is efficiency, leveraging the foundation you have built and maximizing your potential. The professional plan includes tax strategies and goal based planning.
Our private client plan is designed for those in or near retirement and business owners. Additionally, more complex investment portfolios and use of alternative investments fall into this category.
Do you charge a fee to manage my investments?
All of our financial planning packages include a thorough asset allocation review, an assessment of overall portfolio performance against your risk tolerance, and guidance to ensure alignment with your goals. However, our financial planning fees do not cover direct investment management. If you choose to have us manage your investment portfolio, there will be additional fees for that service. The good news? If we manage your investments, your financial planning annual fee is completely waived—meaning financial planning is seamlessly included in your investment management package.
How often can I meet with you?
Our fee structure is based on complexity and time involved. For the Advanced & Professional plan, we meet every 6 months. For the Private Client plan, you have the option to meet every quarter. Regardless of the plan you select we are always available by email.
Can I pay by credit card?
Yes! You can pay by credit card.
How does your billing work?
All billing is done in arrears, meaning your payment is processed at the end of every month. When you intially sign up, there is no charge until you complete your first monthly cycle. You have the option to pay by credit card or deducted from your investment account.
Why do you charge for financial planning?
Some firms offer financial planning for free. Usually under these arrangements, the firm is actually charging you by trying to sell you products or by taking a percentage of your investments. Under both of these arrangements, the advisor faces a conflict of interest. We charge a financial planning fee to try and remove as many conflicts of interest as possible and solely focus on providing the best advice for you.