10,000 baby boomers are retiring every day and most of them have never truly planned for their retirement years. Without proper planning, they may face many challenges during their retirement years - not the least of which could be running out of money. Along with these challenges are opportunities and potential rewards for those who plan for their future.I believe that education and preparation are the cornerstones for financial success. I have made hundreds of presentations to individuals, businesses, CPA’s and estate planning attorneys on just how to properly address today’s financial challenges.My husband, Carl Gardner, and I founded Blue Heron Capital LLC. We and our team at Blue Heron Capital LLC take a holistic approach to planning for your financial success. We believe that retirement planning begins with a destination in mind. Starting with a complete risk analysis, determination of your income goals, tax considerations, estate considerations, social security analysis and more; Blue Heron Capital LLC delivers a comprehensive wealth management system and retirement plan to make sure you can maintain your lifestyle. Holding a Series 65 Securities License, I deliver advice with fiduciary responsibility keeping your best interests top of mind. I am a member of the National Ethics Association, Women’s Estate Planning Council, American Association for Long Term Care, American Institute of CPAs, Colorado Society of CPAs and Ed Slott’s Master Elite IRA Advisor Group. I am also a Certified Estate Planner. Specialties include: Retirement Planning / Investment Portfolios / Wealth Accumulation / Asset Protection / Income Planning / Social Security Planning / IRA & 401k Rollovers / Tax Planning / Long Term Care / Life Insurance / Estate Planning / IRA Legacy Planning / Charitable Giving.Fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation.Contact me at 720-488-8604 or by email at Linda@YourMoneyYourRetirement.com for more information.