The Three Phases of Retirement

Congratulations if you’ve already reached retirement!  This can be a wonderful time in your life. But just like pre-retirement, there will be different phases in retirement. In this article, I’ll introduce you to what many people call the three phases of retirement. Phase One.  For many of us, this is the first decade or so […]

12 Tips for New Graduates – Part 2

Last month we discussed the first six of twelve financial tips for new graduates.  If you missed that post, please check it out.  These tips were developed through our interactions with CSU students who come in to establish a financial vision and to jumpstart their savings program.  This month we’ll go over tips seven through […]

12 Tips for New Graduates

Being located in Fort Collins, near CSU, we see quite a few new graduates who come in to talk about their financial future.  This is so outstanding!  It helps them develop a vision of where they want to go financially (which enables many other goals).  It also puts time on their side in terms of […]

Should High-Income People Apply for College Aid?

It’s not a newsflash to note that college is expensive.  One year at CSU is about $25,000 and at CU it’s about $30,000. (That’s for in-state tuition, room and board and other expenses such as books.) Whether you’re a high-income family or not, it’s good to know that the Department of Education says that “most […]

Financial Spring Cleaning

The weather is turning warmer and we look forward to a beautiful spring.  But first, perhaps some “financial spring cleaning” would help you enjoy the summer a bit more.  While this task may not be the most exciting, it usually is rewarding in the end.  This spring, while you’re tidying up your home, consider getting […]

Fiduciary Duty Rule Delayed

The Obama administration passed a rule that required investment advisors to adhere to fiduciary standards.  Simply put, this means recommending investments that are in the client’s best interests.  Previously, advisors merely had to recommend suitable investments.  This often led to them recommend investments that, while suitable, offered the advisor the highest possible commission which was […]

Are ETFs or ETNs Right for You?

What is an ETF? An ETF is an Exchange Traded Fund.  ETFs are similar in many ways to traditional mutual funds, except that shares in an ETF can be bought and sold throughout the day like stocks on a stock exchange through a broker-dealer.   An ETF holds assets such as stocks, commodities or bonds.  It […]

Baby Boomers Retire

Are you a boomer?  This generation was born between 1946 and 1964.  They’re currently between 53 and 71 years old and they’re in various states of financial preparedness for retirement.  Unfortunately, the AARP reports that 49% worry about financial matters followed by 42% worrying about health challenges.  It’s easy to understand this concern when you […]

Financial Planning Resolutions

Well, we’re one month into 2017.  If you haven’t made any financial resolutions yet, now is a great time to review your financial scorecard for last year and then look for ways to improve in 2017.  Here are some financial goals you could take in to consideration this year. Calculate Your Net Worth If you […]

Financial Travel Tips

Do you have travel plans for 2017? If so, there are a few things that will make the financial aspects of your trip easier. (By the way, I was reminded of some of these things as I prepared for my trip to Japan a few weeks ago!) Set Your Budget We all like to cut […]