How We Help

As a boutique retirement planning firm, Tucker Financial offers the exact same services as the corporate giants, but we prefer to build relationships one at a time. We invite you to meet with us under no obligation to you, and ask us the questions you have about your finances and how you can use them to achieve a path to retirement — or, how you can improve upon the retirement you are already enjoying.

Put simply, we secure your monthly income for your retirement.

No guesswork. No unnecessary risk. Just an easy-to-understand process to arrive at your retirement income. And after you secure that income, you can focus on the money market side of your portfolio with a sense of play again, knowing you have already secured the monthly paychecks for your retirement years. How can it make sense to go about it the other way around? That is our question to you.

If you believe in determining and securing your income for retirement before you commit all your savings to an unpredictable market, then Tucker Financial and you will be a perfect fit. Because that is the basic Tucker strategy in summary: 1.) Secure your monthly income for your retirement years; 2.) Manage the other portion of your assets toward more aggressive growth. And, let’s not forget the most important step, No. 3.): Sit back and enjoy the best years of your life.

Explore our opportunities:

Retirement Income Planning

Social Security Optimization

Investing in Retirement

Efficient Tax Planning

College Funding

Long Term Care

Retirement Income Planning

Without reliable income, you can’t retire happy. The first step in determining when you can retire is knowing how you will replace your income with certainty. We educate our clients on the various types of retirement investments and annuity products, and help them carefully choose the most reliable and most efficient income-producing assets.

Social Security Optimization

Without optimizing Social Security, you could be leaving thousands of dollars on the government’s table. Social Security is an important income stream because it is guaranteed for life. Of course, these benefits don’t exist in a vacuum but must be orchestrated within a comprehensive retirement income plan. You need to know when you’ll claim Social Security as it relates to your retirement portfolio or other pensions. Mistakes can be permanent, so you don’t want to sign up and receive benefits without first doing some careful analysis.

Investing in Retirement

Some of us need more money, some of us want more. Once you’ve carefully selected retirement income products that, together with Social Security, create an income floor, the remainder of your portfolio is appropriate for investment. We educate our clients on how to invest these remaining dollars according to their values, need for growth and appetite for risk.

Efficient Tax Planning

Many of the topics we discuss require a detailed knowledge on the tax treatment of your retirement portfolio. For instance, how much of your Social Security will be taxed, what you’ll pay in capital gains tax on investments, whether or not you should convert an IRA to a ROTH IRA, and so on. We advise our clients on how best to enjoy their taxable and tax-deferred money. You obviously need to pay your taxes, but you don’t need to leave a tip!

College Funding

Having kids later in life means college bills during or leading up to retirement. We recognize that paying for college can be a retirement consideration, as well, for those parents planning both at the same time. Our approach to retirement income planning helps parents accurately forecast retirement expenses and know how much savings they need to hit their goals. Once your future is on its way to being fully funded, you can make a much better business decision on college and still retire on schedule. Plus, we have an in-house professional college admissions counselor to help your student get into the school that’s right for his or her goals and your budget.

Long Term Care

Often overlooked is a final step to retirement income planning, long term care insurance. Self-insuring is a buzzword these days, but the average healthy couple will pay up to 6X less for the same care by purchasing the right LTC product. Today’s LTC products provide life-saving benefits when you need care OR, if you go out in a blaze of glory and never need the benefits, your estate gets the value of the policy tax-free. If you’ve written off LTC because of the cost or complexity, today’s products are worth another look to eliminate or mitigate a potentially HUGE retirement risk.

Retirement Planning


 

We’re an Accredited Investment Fiduciary® in Colorado. We are bound to put our client’s interests above our own at all times. We never accept any commissions, perks or benefits from outside companies to pitch you investment or insurance products. Rather, we work for you!

Asset Management


 

Other “financial advisors” disguise a high-pressure sales pitch as a watered down financial plan. Our financial planning process helps you reach your financial goals, which take both money and planning to achieve.