Listening to, understanding, and assisting clients with comprehensive, fee-based financial planning across six critical areas defined in more detail below: Retirement Income Planning, Protection/Risk Management, Financial Positioning, Investment Planning, Estate Planning, and Tax Planning. As an independent advisor, I have no preset agenda regarding any particular companies or products/services. Instead I provide customized solutions to fit each client's particular and unique needs, goals, and objectives. I explain available options in understandable terms and language. My objective is not to overwhelm and confuse you with jargon and overly complicated presentations. I work to understand your values and vision and then let you to know exactly why certain options may, or may not, be the best fit for your situation. I'm looking to become a lifetime resource for each and every client.Independent Financial Advisor with Millennium Financial Group. Investment Advisor Representative. Securities and advisory services offered through Cetera Advisors LLC, a broker-dealer (member FINRA/SIPC). Cetera is under separate ownership from any other named entity. Local office: 3225 Austin Bluffs Parkway, Suite 150Colorado Springs, CO 80918(719) 304-8708 direct(719) 304-8700 mainmark@mifigroup.com

To know the best way to get where you want to go, you first have to know where you are now! We look at current cash reserves and emergency funds and how those are structured, debt/credit situations, cash flow management and budgeting, and what resources are available now or in the future. We’ll determine your net worth…kind of a personal scorecard, and we'll keep score going forward!

“How much and what is the right kind of insurance to have?” We evaluate areas of risk and protection (insurance) needs for life, disability income, long term care, medical/health, home & auto, and umbrella insurance coverages. Determine the right amounts and kinds of insurance in these areas. Make sure beneficiaries are correctly designated and understand existing policy coverages and status. Work with our trusted specialists in these areas. No one person can know all these areas and keep up with them! Through our independent advisor network you’ll have access to many different companies to find the best fit for your particular needs.

“Where will I get income for retirement and will it last long enough/my whole life?” We’ll design, build, and implement strategies for sources of retirement income including when and how to maximize/best take social security, employer-sponsored retirement plans (401k, 403b, and/or 457, etc.) Evaluate options and determine how to deal with retirement needs and costs such as health care, Medicare, and long term care, and how to make the “mindset adjustment” of going from earning a paycheck to drawing from accumulated assets and resources. We develop plans so your money doesn't run out before you do!

“Will I be able to sleep at night with this investment?” We’ll determine your risk tolerance and investment goals and objectives…short, mid, and long term. Develop appropriate asset allocation and asset location (they’re different), and diversification strategies and why you should implement different products or strategies. Education is key here…what terms mean (qualified vs non-qualified, dollar cost averaging, etc.) You should know why you hold different investments, what the fees are, and how they’ll help you reach your goals. As an independent advisor I have access to a wide range of products and services for emergency funding, education, retirement (IRA or Roth IRA, etc.), etc. and am not tied to a particular company, product or service.

Wills vs Trusts. We determine the most tax efficient, cost-effective way to transfer assets to the next generation, to your favorite charity, provide resources for a special needs dependent, or transition a business to the next generation without being decimated with taxes. We do business succession planning and, working with a trusted attorney, make sure whatever is put in place is properly funded in advance of your passing.

"What about taxes? Taxes are killing me!" We work closely with your trusted tax advisor in developing tax strategies to reduce, defer, or avoid taxes now, in the future, and as you pass assets on to the next generation(s). We'll look at tax diversification to put you more in control of your tax situation and the effects of asset liquidation and taking money out of accounts.

Financial advisor developing skills and talents in a variety of financial areas

Working with businesses in developing telecommunication solutions for their business.

Various consumer lending and branch management positions and duties.