Denver Investment Blog

Financial planning can seem daunting, especially if you’re a high-net-worth individual (HNWI). When you have significant assets to manage, you have more at stake and face unique challenges. That can make high net worth estate planning, high net worth tax planning, and similar tasks especially complex. However, some strategies and approaches can help make high […]

You’ve spent years building your business. What happens to it when you step is not a question you know you can afford to leave unanswered. Most family business owners know they need a succession plan, but few have one that’s written down, agreed upon, and ready to use. How does family business succession planning work? The […]

Last updated: July 10th, 2026 When to claim Social Security? Are there effective social security claiming strategies? These are a few of the most consequential choices in retirement planning. Claiming age can influence your monthly Social Security benefit, along with factors such as work history, earnings, and applicable program rules. Does Your Claiming Age Affect Your […]

Turning 65 comes with a deadline most people underestimate. Medicare planning for retirees begins before your birthday month. Enrollment timing can affect healthcare costs, depending on coverage choices, income, and Medicare rules. What Does Medicare Cover? Medicare has parts that generally apply to different healthcare expense categories, subject to program rules. Part A generally applies […]

TL;DR: Not all financial advisors are created equal, and titles can be misleading. This blog explains what sets RIA advisor agents apart, why their fiduciary duty matters, and how their fee-only structure helps ensure neutral financial guidance. This guide helps you understand the differences between RIAs and other advisors so you can make informed choices about your financial […]

Summary: This blog explains how inheritance tax works in Colorado and what financial factors may still apply even though the state doesn’t impose one. It also outlines key federal estate tax rules, out-of-state risks, and how to plan ahead for a tax-smart inheritance. Main Points: Does Colorado take a portion of your inheritance? It’s one of […]

For years, high-net-worth families treated charitable giving as a straightforward transaction: contribute to a qualified charity, itemize the deduction, done. The One Big Beautiful Bill Act changed the math. Starting in 2026, itemizers can only deduct the portion of charitable contributions that exceeds 0.5% of their AGI — and for families in the 37% bracket, […]

Federal estate taxes affect a smaller number of estates than most people expect. Still, for those whose estates approach or exceed federal thresholds, the tax exposure can be significant. Understanding the current rules is the first step toward taking action. Properly structured estate tax planning strategies may help some individuals and families evaluate ways to reduce potential […]

The 2026 tax law changes look very different from what many families expected a year ago. Before the One Big Beautiful Bill Act (OBBBA) became law in July 2025, several individual provisions from the Tax Cuts and Jobs Act (TCJA) were scheduled to expire after 2025. But that’s changed. For retirees, business owners, and high-net-worth […]

Many retirees spend decades focused on saving money, then realize the real challenge starts when it is time to withdraw it. A large IRA balance may look straightforward on paper, but taxes can shift quickly depending on when withdrawals begin and where the money comes from. That is one reason Roth conversion ladders continue to […]

Retirement income funds are mutual funds built to distribute income through a mix of investments like bonds, stocks, and other assets. These professionally managed funds are typically centered around regular payouts and are often used alongside retirement accounts such as a 401(k). Key Take aways: Planning for retirement usually means figuring out how your savings, […]

People in their late 50s reach a point where retirement is no longer something to plan for, eventually. It becomes something they must plan fornow. Turning 59 ½ is a milestone that must be paid attention to. The Gallup organization reports that the average actual retirement age in the U.S. is 61, putting retiring at 59 ½ squarely in range for […]

If you’re fortunate enough to be participating in a pension plan, your plan may be more valuable than you realize. While your pension may not be as tangible as your other assets, it represents real value in your retirement plan. From a financial planning perspective, knowing how much your pension is worth can be an important […]

Do you know the difference between private banking and wealth management? Many people don’t understand the difference between the two.

For much of the 2010s and early 2020s, interest rates were unusually low. By 2026, households and businesses are operating in a higher-rate environment than many had grown used to during the low-rate years. Many Americans, including those who remember the high-rate environment of the 1970s and 1980s, became accustomed to lower rates after decades […]

If you are vested in a defined benefit pension plan, you have a critical choice to make. Specifically, you need to determine how you’ll receive your pension benefit. For married couples, the payout option you choose can affect how much income continues to a surviving spouse for decades. Two factors make this pension decision weighty. Your […]