Financial Services

How Can Our Financial Planning Services Help You With Your Financial Goals?

That is the ultimate question. Although credentials and experience are noteworthy, what does that truly mean to YOU as a client? We accommodate all types of scenarios with our specialized financial planning services. We take an individualized approach, ensuring each plan is custom-made for you by considering your personal objectives and circumstances. With us on board, you will have the assurance that every detail is taken into account so that you can achieve success. Struggling to get a single area of your financial life on track? We can help you! Or, maybe you require an enduring relationship that can assist in navigating all the ups and downs that come with life's ever-changing events? Our expertise is here for you every step of the way.

Cash Flow and Debt Management

Cash flow and debt management are important when it comes to your finances. You need to make sure that you have enough money coming in to cover your expenses and debts.

If you don't have enough money, you need to find ways to cut back on your spending or increase your income.

Young professionals are desired by employers, yet job opportunities and good salaries don't always guarantee a positive cash flow. Investing in medical or graduate school is an expensive endeavor for many millennials, making it hard to pay off their debts while sustaining adequate finances.

The goal of our team of Denver financial advisors is to empower individuals and practices in assessing their finances, managing debt to achieve financial freedom, and finding a way out of over-accrued debt. Our debt and flow management services are crafted to address your specific needs. With our extensive experience, you can rest assured that your loans will be paid promptly, and cash flow managed efficiently every day.

Crafting a well-organized cash flow plan is indispensable for all kinds of professionals. Afterall, creating an appropriate financial strategy involves finding the right balance between money gained and money spent - something that many busy professionals don't have time to manage! That is where our financial advisors in Denver come in. We strive to provide people and businesses with the tools they require to comprehend their financial standing and set objectives that match their core values. With our resources, you can attain your desired outcome: personal or professional success!

Our cash flow management services facilitate the implementation of proper payment protocols, acknowledge changes in your financial needs, and provide solutions for ensuring you always have sufficient funds.

College Savings

The cost of public college estimated to be around the price of a median home in 18 years, so it is clear that budgeting for your child's education now may help you stay ahead financially.

For many families, creating such a large savings fund for their kids is simply not attainable.

With your budget already maxed out with mortgage/rent payments, child care costs, health insurance bills and perhaps even a student loan of your own to worry about - it can be challenging to find any extra space in the spending plan. But don't be disheartened! Where should you start?

Prioritize paying off your high-interest credit card debt and building an emergency fund before considering setting money aside for college savings. 

Subsequently, it is essential to carefully assess how you can balance both aspirations of college savings and preparing for retirement. We can help determine the right balance between college savings and retirement savings.
Begin saving for your child's future as soon as they are born, and reap the rewards: typically one-third of your savings will be generated from just the investment returns alone! Establishing a secure financial footing early on yields significant benefits.

Trailpoint Financial Advisors can then help you determine the best amount and plan for savings as well as the ideal vehicle for your college savings plan. There are a variety of options we will consider, including: 529 savings plans, Roth IRA, brokerage accounts, and custodial accounts (UGMA or UTMA).

Parents are becoming more realistic about the amount of college costs they are willing to take on without jeopardizing their other priorities, including retirement savings. We work with you on an individual basis to map out the best plan for you, your goals and values, your family and your financial situation.

Employee Benefits Optimization

Benefit optimization assesses an organization's existing benefit package and identifies what alterations can be made to ensure the benefits of both employers and employees are maximized.

In other words, it is a process that ensures everyone achieves maximum value from their benefit offerings.

With a tailored benefits program, employers reap the rewards of effective employee recruitment and retention. By concentrating on programs that their employees prioritize, they are able to maximize the impact of benefit budgets while ensuring workers feel valued. By devoting time and energy to understanding what benefits employees truly value, employers demonstrate they care about their workers. Furthermore, this allows organizations to focus on providing the things that matter most.

To maximize the full potential of your benefits system will likely require a significant amount of energy and effort. Undoubtedly, the benefit will overshadow any cost associated.

How Can We Help You Get Started Enhancing Your Benefits?

Establish a communication framework for the entire process to ensure all stakeholders stay up-to-date and informed.

Incorporate your team's ideas to maximize success!

Think about the potential of providing certain benefits on an individualized, pay-as-you-go basis.

Stay ahead of the competition and acquire valuable insights by accessing competitor data.

Maximize your benefits by taking advantage of this opportunity.. 

Analyze whether your benefit program is actually producing the desired results.

Our expertise and time commitment can help you plan out the best benefits to offer your employees while maximizing the benefit your your business.

Estate Planning

The majority of U.S. adults have not prepared an estate plan for themselves and their families. Estate planning is the proactive process of readying an individual's assets and wealth to be passed on after their death or in case they become unable to manage them.

Your estate is composed of all the assets you possess, including but not limited to real estate, investments, vehicles, businesses and any other form of property. Establishing an estate plan is beneficial not only to determine who you want to receive your assets, but also can mitigate taxes and worries of beneficiaries through the setup of a trust account in their name.

It is essential that you plan ahead for the smooth transfer of assets from yourself to your loved ones in order to make sure that your wishes are followed. By doing so, you can help limit arguments or worse yet -- legal disputes among beneficiaries. Don't let the courts decide who gets your assets after you pass away; designate beneficiaries to ensure that your estate is distributed according to the way you intended. This will help protect both your loved ones and finances, avoiding time-consuming legal processes and extraordinary court expenses for them. Crafting an estate plan is advantageous for more than just one's financial well being; it also allows individuals to determine who will be appointed as guardian of minor children in the event they are unable or pass away. Finding the best financial advisor for your needs is critical as you go forward.

Young professionals are seeking the assistance of financial planning companies to help them get started with their estate planning journey. Let us support you in finding the perfect solutions for your individual needs, regardless of how intricate your estate plan may be. Let Trailpoint Financial Advisors be your guide in financial and estate planning, simplifying the whole process along the way.

  • Finalizing your estate plan with new and improved account titles, as well as designating the appropriate beneficiaries.
  • Are you looking for an experienced and reliable estate attorney? Let us help you find the best lawyer to handle your legal needs!
  • Crafting a net worth statement, which your estate attorney requires to construct an effective plan for you, is essential.

Trailpoint is proud to bring our clients from Denver to Castle Rock simplified estate planning and wealth management services that are second-to-none. People often overestimate how much time is required to hire a lawyer and develop an exhaustive plan. Let the team at Trailpoint Financial Advisors in Denver shield your assets and those you are providing for with the help of our services.

Financial Goals

Financial planning is a continuous process that must constantly adapt to the ever-evolving situation of your life. Changes in income, home circumstances, family size or retirement age can occur quickly and require you to adjust accordingly.

Taking charge of your finances requires the help of an experienced financial planner with the expertise to guide you through life's transitions. It doesn't have to be a complex process that ends up causing more problems—our Denver financial advisors can simplify it and make sure you're always in control. With us, managing your finances will become second nature!

We will help Clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.

Insurance

Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile.


Investment Analysis

This may involve developing an asset allocation strategy to meet Clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian


Retirement Planning

Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective.
For situations where projections show less than the desired results, we may make recommendations,including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.

Risk Management

A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self-insuring”).

Why Us?

At Trailpoint, your financial advisor is the go-to source for personal, independent financial advice with customized investment management, wealth management, retirement planning, portfolio management and tax preparation services. This signifies that we are completely independent, and our business model is not based on the sale of a specific company's financial products. In contrast to some financial advisors in Denver who must sell their corporate-created investment and insurance products, this model offers a different strategy. As reliable Certified Financial Planners (CFP) and Certified Public Accountants (CPA), Trailpoint Financial Advisors is proud to provide our clients with independent advice, solutions, and a robust financial strategy for achieving their investment goals. We can offer comprehensive financial planning and wealth management to our Denver area clients. Full service financial planning is our specialty because of the dual CFP/CPA skills we bring to your investment strategy.

Unlike other financial advisor firms and Registered Investment Advisory (RIA) firms, Trailpoint is a fee-only financial advisor. This means that our Certified Financial Planner / investment advisors never receive commissions, kickbacks, referral fees or sales bonuses for recommending insurance or investment products - we are focused solely on delivering the best  investment management advice to you and your family. The Securities and Exchange Commission holds us, as a fee-only Registered Investment Advisor, to the highest standards of fiduciary duty. Our clients can trust that we are always acting with their interests in mind 100% of the time. This emphasizes that we are always held to the highest standard of client service and must place our clients' interests above ours. This fiduciary requirement is far more rigorous than the "suitability" standard to which some Denver financial advisors may be subject.

Financial advisors in Denver can have various ways to aid clients in dealing with their money. Some specialize on one financial aspect such as wealth management, while others may be proficient in multiple elements of finance. At Trailpoint Financial Advisors, we understand that your financial life is interconnected and it's impossible to create an effective plan without considering the larger picture. That’s why a comprehensive approach is necessary for successful financial planning- one that takes into account every aspect of your finances. Not until you analyze the "bigger picture" do your financial objectives and plans become clear. Financial planning isn't only about investing or safeguarding one's assets; it encompasses a much larger field that is crucial to achieving success. Selecting a financial planner is an important decision, and you should ensure that they are competent and equipped with the knowledge to provide comprehensive wealth management system solutions. It's critical to pick a fiduciary financial advisor firm who has been credentialed in their profession and has the experience necessary for successful financial planning.

Your Personal Financial Trailguide

Trailpoint is conveniently located in Castle Rock and serves the entire Denver Colorado area.