Colorado Retirement and Estate Planning Specialist
In my career, I’ve been a top producer with various companies, was awarded the Tony Robbins Life Mastery achievement, and have helped countless hardworking people retire with confidence and peace of mind. I’m grateful for the confidence and trust my clients have given me over the years. In thirty-five years of working with people who are retired or about to be retired, there is one common theme: will I outlive my money? Some things don’t change.
If I want to be remembered by anything in life, it’s that I worked hard, played hard, and overall tried to do what was right and followed through on what I said I would do.
COLORADO HEALTH INSURANCE INFORMATION
COLORADO HEALTH COST-SHARING INFORMATION
Another accomplishment I am also grateful for is that I was able to sell my financial planning business at fifty-nine to another advisor ten years younger than myself. I retired and followed my interests in motorcycle riding by becoming an instructor for several motorcycle schools here in Colorado.
Over time I’ve realized I missed working with people and helping them become financially secure, so I called Wiley and asked if he had a need for my experience.
Now, I’m at ColoHealth, and I’m excited to be working alongside Wiley, the president of ColoHealth, and all the people here.
Some Things Stay with You
Early on in a financial planning career, you don’t really know the impact you’re going to have on someone’s life.
One thing that comes to mind was when I insured a husband who maintained he did not need insurance but reluctantly purchased a term policy. He eventually got really ill and was admitted to the hospital. His premium was coming due and he was in his 30-day grace period. My assistant and I called his spouse and asked for her to come by the office to drop off the premium.
For whatever reason, his wife was not responding to coming into the office. His $500,000 life insurance policy was about to lapse. She finally came in and paid the policy premium. Unfortunately, just a few days later, he died. She hasn’t had to worry about money ever since, providing her security and comfort in her retirement years.
Another example was when I was referred by a CPA to the president of a corporation who refused key person disability coverage. The president’s attorney also advised him that it wasn’t a good idea, but I showed him how important it was for the viability of the company, so they proceeded with the coverage. We eventually set it up as a qualified sick pay plan.
Within 7 months, the president was diagnosed with an aggressive form of multiple sclerosis. The tax-free income he and his family received from those policies allowed them to live in dignity.
With My Beautiful Wife Sally
My dogs Sissy and Clark
We have two dogs, a Schnauzer and a Havanese. We’ve had four at one time, and when they passed, it was another reminder that we are all only here for a short time and that we need to be careful not to waste time on things that don’t really matter.
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I also play pool in a league, where our team has won our division the last 4 years, but we haven’t been to Las Vegas for the finals yet. Hopefully, we will this year.
Make an appointment with me if you’re interested in learning more about retirement income and estate planning. I look forward to working with you!
HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level
- Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
HEALTH COST-SHARING INFORMATION
- Not health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance