Colorado Springs, CO S. Tejon Street Office

The firm provides customized financial planning, business and investment consulting and coaching, with recommendations that can include common stocks, bonds, mutual funds and ETFs, variable and fixed annuities, life and long‑term care insurance, and non‑traded alternative investments such as REITs and private placements. It serves successful individuals, companies and small institutions, and states a high percentage of its clients are over 50 and hold qualified retirement plans with near‑term withdrawal needs.

The advisory process is described as an interactive, coaching relationship that uses a detailed client questionnaire and implements asset allocation guided by modern portfolio theory, with securities selection and risk discussions following the allocation model. The firm does not take custody or discretionary authority over client assets; clients are informed they may implement recommendations through a broker‑dealer or other provider of their choice.

Notable and uncommon features disclosed in the brochure include that the firm’s advisers are registered representatives of a broker‑dealer and are affiliated with insurance networks, and the firm may receive commissions on certain insurance and annuity sales while charging hourly planning fees rather than percentage‑of‑assets or performance‑based fees. Those affiliations and the hourly fee model — along with explicit disclosure of potential conflicts and the option for clients to implement recommendations elsewhere — distinguish the firm’s operating model from many peers in its category.