2018 Financial Resolutions

Happy New Year!  As we welcome in 2018, we might want to set a couple of financial resolutions so that we have plenty of time to realize our goals.  Typically, people have similar resolutions in mind.  Common ones are increasing your 401(k), preparing a spending plan, reviewing the new tax rules, increasing your emergency fund, […]

As 2017 Winds Down…

Can you believe it, we’re only a month away from the end of the year!  For many of us, we’re pretty busy with our normal activities (work, school, etc.) and then we have the holidays to prepare for too.  It seems like there’s no time for anything else and yet there may be some very […]

Retirement Checklist

There are many, many decisions to be made as you move from the working phase of your life to the retirement phase.  Retirement planning is a common discussion that we have with our clients – regardless of their age.  This article talks about some retirement considerations that seem to be universally applicable. Retirement Date.  You […]

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 […]