I help people who are near (or in) retirement with retirement income, Social Security and tax decisions, investing, and more. I've been doing this for over 20 years, and would love to talk. Get clarity on your finances. Figure out when you can retire, what you're on track for, how much you can spend, when to take Social Security, how to invest your retirement nest egg, and more. Whether we do detailed planning or you just want to ask some questions, you'll be better informed. We generally take stock of resources like Social Security or pension income, plus any assets earmarked for retirement, like IRAs and 401(k) plans. Then, we review your desired spending. All the while, we keep taxes, investment returns, inflation, and other factors top-of-mind. And we can run various what-if scenarios to take an optimistic or pessimistic view. How do we work together? It's your choice: Do it yourself, or have me handle your investments. You are not required to transfer assets or invest any minimum amount. Options include flat-fee or one-time project work, asset management, and other arrangements. Get a second set of eyes, ask a few questions online, get a quick investment review, or go with an ongoing relationship. With that information, you can make informed decisions. Can you retire early? How much can you spend after taxes? Does it make sense to pursue strategies like Roth IRA conversions (to avoid Medicare's IRMAA surcharges and manage taxes)? Are annuities worth looking at, and should you keep the products somebody else sold you? When it comes to investing, I favor a simple approach. Let's get things figured out so you can move on to more important things in life. Whether you prefer to spend time with loved ones, get outdoors, or enjoy other pursuits, completing those necessary financial tasks makes it easier. I earned an MBA and MSIS from the University of Colorado in 2003 and became a CERTIFIED FINANCIAL PLANNER™ professional in 2010. I first got licensed with a financial firm in 2000. I also have the Retirement Management Advisor (RMA®) designation. In the past, I wrote as a freelance writer covering personal finance, loans, insurance, retirement, early retirement, and more for 20+ years. Let’s talk: Visit my website's Contact page to start the conversation! Read articles about retirement planning and learn more about Justin Pritchard here: https://www.approachfp.com/

Brandon Baker is a financial advisor with Sage Financial Group Inc. in Montrose, Colorado. He holds a Series 65 designation and has 10 years of industry experience, having been with Sage Financial Group since 2013. Sage Financial Group serves individuals, pension and profit-sharing plans, business entities, trusts, and private fund investors, offering investment management, financial planning, and family office services. The firm’s investment approach is based on fundamental analysis and a long-term purchase orientation, with a distinctive role advising affiliated private pooled real-estate funds and providing related performance-based compensation structures.

David Schuttig is a financial advisor with Gladstone Wealth Partners, holding the CFP® and ChFC® designations and over 32 years of industry experience. He has worked previously with LPL Financial, Mutual Securities, Mutual Advisors, and AXA Advisors. Schuttig also provides investment advisory services through independent advisory firms affiliated with Gladstone Wealth Partners. Gladstone Wealth Partners serves individuals, corporations, pension and profit-sharing plans, and charitable organizations through a network of nearly 100 advisors. The firm offers discretionary portfolio management, financial planning, and retirement plan consulting with investment approaches tailored at the representative level, supported by platform-level due diligence and integrated retirement-plan services.

Andrea Hancock is a financial advisor at Integrity Alliance, LLC with one year of industry experience. She holds Series 63 and Series 65 designations. Her background includes roles at GLP Investment Services, LLC, Summit Life Group, University Bank, Hancock Insurance Agency, and the Altha Team at Keller Williams. Outside of finance, she spent over a decade running Reflections Web Design. Integrity Alliance serves a diverse client base including individual investors, corporations, and qualified retirement plans. The firm offers a range of portfolio management and financial planning services through a large network of independent advisers managing approximately $5.4 billion in assets.

John Countryman is a financial advisor with Private Advisor Group, LLC, holding Series 63 and 65 credentials and 28 years of industry experience. His prior work includes roles at LPL Financial, Raymond James & Associates, and Legg Mason Wood Walker. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model, uses various technology platforms, and offers managed account solutions including its proprietary WealthSuite and access to third-party TAMPs.

James Hardesty is a financial advisor with Money Concepts Capital Corp in Montrose, Colorado, holding a Series 66 designation and 16 years of industry experience. He has worked at Money Concepts Capital Corp since 2014 and at Ashton Financial Group since 2007. Outside of his advisory role, Hardesty serves as a board member and director for Friends of Black Canyon National Park, a nonprofit organization focused on increasing awareness and visitor experience of the park. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm uses a range of managed programs and applies fundamental and technical analysis alongside modern portfolio theory to manage assets for approximately 14,700 clients across its 431 advisors.

Trevor Harrison is a financial advisor with Edward Jones in Montrose, Colorado, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and managing approximately $1.01 trillion in assets. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Samantha Seeley is a financial professional with two years of industry experience, currently affiliated with Cetera. She holds a Series 66 designation and has been associated with Cetera and related entities since 2020. Outside of her advisory role, she is also a notary public. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various investment programs and portfolio management services through a large network of independent advisors.

Joel Nelson is a CFP® with 26 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He has previously worked at Securities America Advisors and Securities America Inc. for 14 years. Nelson owns South Platte Agency, Inc., a property and casualty insurance business. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using asset-allocation tools and third-party money managers to manage portfolios across various asset classes.

Benjamin Jensen is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has worked previously at First Republic Investment Management, First Republic Securities Company, and Wells Fargo Clearing. Outside of his advisory role, he is involved in family farming operations in Montrose, Colorado, and serves as vice president of a local homeowners association. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Angela Moyer is a financial advisor at Edward Jones with four years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2018. Prior to her current role, she was involved in photography and digital imaging, operating her own photography business specializing in landscape photography. She is also a notary in Montrose, CO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Deborah Handley Cordova is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Her work history includes roles at Transamerica Financial Advisors, Inc., World Financial Group, Inc., Apria Healthcare, and the Layton City Police Department. She has also been involved with insurance and health benefits businesses alongside her advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary research and third-party strategies.

Isaiah St Peter is a financial advisor with Edward Jones in Delta, Colorado, holding a Series 66 designation and 17 years of industry experience. He has been with Edward Jones since 2008. Outside of his advisory role, he pursues oil painting as a hobby and sells originals and prints. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies. The firm manages approximately $1.01 trillion in assets and supports its clients through a nationwide network of financial advisors and branch offices.

David Salcedo is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, he worked at Valor Tactical Innovation, Sunbelt Solomon, and Capco Inc. Outside of advising, Salcedo holds a Certified Welding Inspector certificate and plans to maintain this credential as a potential income source in retirement. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large national network of advisors and branch offices.

Jeri Mattics is a CFP® professional with 14 years of experience, currently serving as a financial advisor at Edward Jones since 2012. She is based in Montrose, CO. Outside of her advisory role, Mattics serves as a board member of the Maslow Academy of Applied Learning, contributing to community education discussions. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Christopher Cox is a financial advisor at Raymond James Financial with nine years of industry experience. He holds a Series 66 designation and has worked with both Raymond James Financial Services Advisors, Inc. and the Bank of Colorado since 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and nonprofit organizations. The firm offers tailored, non-discretionary investment consulting using risk profiling and analytical tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Ty Withee is a financial advisor with Edward Jones in Delta, Colorado, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, he worked for Shaw Construction, LLC for 14 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Scott Frazer is a CFP® professional with 16 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has held roles at Rocky Mountain Strategic Capital Inc. and various insurance carriers. Outside of his advisory work, Frazer serves as president of Rocky Mountain Strategic Capital Inc. and is active as an insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions and supports advisors with research and technology tools.

Tobias King is a CFP® with 17 years of experience at Raymond James Financial Services Advisors, Inc. He has served as a branch manager and owner of King Wealth Solutions, LLC. Outside of his advisory work, he is active as a freelance musician and serves as a music director and conductor for community music groups in Western Colorado. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes non-discretionary planning tailored to client goals and supports municipal and public finance work through unique affiliations.

Toni Hanna is a financial advisor at Raymond James Financial with 26 years of industry experience. She holds a Series 66 designation and has worked at Raymond James and affiliated firms since 2003. Outside of her advisory role, she volunteers on the finance and parish council for Sacred Heart Church in Paonia, Colorado. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and supports advanced tools and advisory programs across a large network of advisors.