Fee-Only financial advisor for retirement distributions, ROTH IRAs, and investing.

"Live for today - plan for tomorrow."

Great advice, you say – but how do you do that? Sure, you can ‘live for today’ – but ’plan for tomorrow’ the right way? How do you achieve a future that matches your dreams?

And how do you know you’ve chosen the right company to help fit all the pieces together for investing and insurance, retirement and tax planning, business and estate planning, and your children’s education?

Where do you turn to work with knowledgeable people

people you can trust?
people who listen to you first?
people who are at the top of their field?

"Fee Only means objective advice!"

I founded Lifetime Planning Concepts, P.C. to provide solutions for people needing financial strategies rather than financial products.
We’re a special kind of planning company – we don’t sell any products such as insurance, mutual funds, stocks or bonds. Rather, we help you buy these products, accept no commission and incur no ongoing management fees.
We are compensated only by you, our client. You can be assured that when we talk about your options, our recommendations are not tied to any fees from anyone but you.

"Financial independence isn't just for the wealthy!"
Before the end of this century, the number one goal for baby boomers will be financial independence. Achieving financial independence requires lifetime planning - and you can begin now. Is this goal for the wealthy? Not at all. Hard working people can, and often do, accumulate substantial wealth.
"The cost of living isn't going down - will you be ready to retire?"

Your goals may be complex. Our planning will include considerations that address your financial, tax, and lifestyle needs.
You will need to made key choices, long before retirement age. Retirement plan distributions are full of land mines, but you can avoid them with a full understanding of the income and estate tax laws.
That’s where we can help. As a Certified Public Accountant, I have the tax planning experience to help you find your way through the retirement plan election maze. As a Personal Financial Specialist, I can integrate your portfolio to maximize tax efficiency and minimize annual costs.
"Investing can be scary."

Managing expectations and creating realistic and achievable goals is part of our intensive investment seminar. We teach you how to create a diversified portfolio of your choosing. Our private investment seminar lets you ask personal or difficult questions.
Lifetime Planning Concepts, P.C. is a Registered Investment Advisor with the State of Colorado. We are a strong advocate of "Passive Investing" through index funds and can help you create low cost portfolios that meet your risk tolerance and financial security needs. We also work with active managers if you prefer.
Our active involvement in financial planning since 1983, ensures our experience is applied to your personal needs. It is our job to structure a simple, cost-effective and tax-efficient portfolio that you can understand.
"Create estate safety nets for your family!"

When you think about planning and your future, you will want to consider the estate you leave your family. My many years of experience in business formation and succession planning, retirement distributions, and charitable and non-charitable tax savings techniques will help you complete your "planning for the future" while "living for today".
We look forward to working with you.

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