01The Foundation
Protect your retirement before anything else. We stress-test your position against market shocks, inflation, and longevity so the plan is built on ground that doesn't move.
- Risk analysis
- Downside protection
- Written plan
Fiduciary Retirement Planning · Colorado Front Range
You're not ready to retire. Yet.
A written plan for income, taxes, healthcare, and legacy — from a Colorado fiduciary firm helping families retire with clarity and confidence.
5.0 ★★★★★
5-Star Reviews
Accredited Business · A+
Castle Pines Chamber
of Commerce · Member
5-Star Reviews
★★★★★
“Ray and his team are outstanding… I was so worried about retiring too early and he put my mind at ease.”
— Shelley D.★★★★★
“Ray and his team have demonstrated their honesty and integrity to earn our trust giving us peace of mind in our retirement years.”
— Frank D.Accredited Business · A+
★★★★★
“Ray is a very knowledgeable and caring advisor. Answers all my questions and genuinely cares about my financial planning needs.”
— Mary D.★★★★★
“New Light Financial has gained my trust over the years that I have worked with Ray Stein. I highly recommend this company.”
— Joni C.Castle Pines Chamberof Commerce · Member
★★★★★
“Ray and his team are outstanding… I was so worried about retiring too early and he put my mind at ease.”
— Shelley D.★★★★★
“Ray and his team have demonstrated their honesty and integrity to earn our trust giving us peace of mind in our retirement years.”
— Frank D.★★★★★
“Ray is a very knowledgeable and caring advisor. Answers all my questions and genuinely cares about my financial planning needs.”
— Mary D.★★★★★
“New Light Financial has gained my trust over the years that I have worked with Ray Stein. I highly recommend this company.”
— Joni C.Reviews above were given by current clients of New Light Financial and appear as published on Google. No cash or non-cash compensation was provided for any review, and no material conflicts of interest exist between the reviewers and the firm. Individual experiences may not be representative of all clients and are not a guarantee of future results.
The question everyone asks first
“Are we going to be OK?”
A market downturn. A health event no one saw coming. One bad year at the wrong time can undo decades of careful saving — and you feel that every time the headlines turn.
That's why we don't start with products. We start with a written plan that protects what you've built and turns it into dependable income — so the answer becomes a confident yes.
The New Light Planning Process
Five steps from uncertainty to daylight.
Every plan moves through the same disciplined sequence — in order, because each step depends on the one before it.
02Income Planning
Your paycheck stops; your bills don't. We engineer reliable monthly income from Social Security timing, pensions, investments, and — where appropriate — guaranteed sources.
- Social Security
- Pension analysis
- Investment income
- Annuities
03Tax Efficiency
The IRS is your largest retirement expense — unless you plan. Roth conversion windows, RMD strategy, and withdrawal sequencing keep more of your money working for you.
- Roth conversions
- RMD strategy
- Withdrawal sequencing
04Healthcare Planning
One of the most underestimated costs in retirement. We plan for coverage before 65, Medicare decisions at 65, and long-term care realities after — before they plan for you.
- Early retirement coverage
- Medicare
- Long-term care
05Estate Planning
The final step turns a lifetime of work into a legacy: what you've built passes to the people you love efficiently, privately, and on your terms.
- Wills & trusts
- Life insurance
- Family legacy
Then the sun comes up
Clarity changes everything.
Clients tell us the biggest change isn't in their portfolio — it's how they sleep. Hear what the first meeting is actually like, in 90 seconds.
Financial services
Explore all servicesDeep expertise where it matters most.
Income Planning
Organizing your earnings and assets so there's dependable money for today's life and tomorrow's goals — without guessing.
- Social Security
- Pensions
- Annuities
Tax Efficiency
Minimizing lifetime tax liability and maximizing after-tax returns through deliberate, year-by-year strategy.
- Roth conversions
- RMDs
- Tax strategy
Healthcare Planning
Preparing for medical costs across every phase — early retirement, Medicare, and long-term care — with eyes open.
- Early retirement
- Medicare
- Long-term care
Estate Planning
Arranging the efficient transfer of your assets to the next generation while minimizing tax and legal friction.
- Wills & trusts
- Life insurance
- Legacy
Why families choose New Light
The people your friends told you about.
Ray SteinAdvisor · Co-author, Smiling Through Retirement
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He served as the premier financial guest on KHOW 630AM’s daily show, The Troubleshooter. Ray attended the Leeds School of Business at the University of Colorado Boulder and graduated with a degree in finance. A native of Colorado, he is an avid musician, skier and proud father, and enjoys spending time with his wife, Arisa, and their children.
Arisa SteinChief Marketing Officer
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Earlier in her career, Arisa supported a large and fast-paced legal department where she learned how to support clients through very difficult situations — a natural fit as liaison between our advisors and our clients. In her free time she loves spending time with her husband and two children, traveling, hiking, and cooking.
R. Anton SteinParaplanner
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Anton’s expertise was developed both as an insurance, mortgage, and securities licensed relationship banker, and as an Investment Advisor Representative. He assists in reviewing your financial situation, goals, and concerns with the objective of improving your financial position to better achieve your goals.
Crystal EarlyCustomer Service Representative
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Crystal’s background spans two decades in ophthalmology and optometry across Colorado and Maine, including roles as a Surgical/Ophthalmic Assistant and Surgery Consultant — a foundation in detail-oriented, client-centered service. Her experience in fast-paced professional environments, combined with a warm, people-first approach, translates seamlessly into supporting clients through important financial decisions.
Sentra HannaschCustomer Service Representative
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Beginning as a Mary Kay Consultant, Sentra rose to the prestigious level of Cadillac Sales Director — a title earned by leading and developing teams of women across decades of growth, mentorship, and results. Closer to home, she is the proud owner of a yoga studio in the Denver Tech Center, where she continues to cultivate community and well-being.
Stephanie JamesIndustry Partner · Retirement Loan Specialist
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Building her businesses over eight years, Stephanie learned how much a great circle of influence and a great team matter. She brings deep knowledge and work ethic serving clients in the mortgage lending and home financing aspects of life, and is passionate about quality time with her husband, three children, and traveling the world.
Smiling Through RetirementThe Importance of Living Your Life in Five Year Increments — by Brian Gray & Ray Stein. Yours at the first meeting.
Good questions
The things people ask before they call.
Straight answers, before you ever pick up the phone. If your question isn't here, it's a great way to start the first conversation.
What does the first meeting cost?+
Nothing. The first conversation is complimentary and carries no obligation. We'll review where you stand, walk through what the New Light Planning Process would look like for your situation, and you'll leave knowing more than you did — whether or not we work together.
How are you paid?+
We believe you should always know exactly how your advisor is compensated, and we'll explain our fee structure clearly and in writing before you commit to anything. No hidden costs, no surprises.
What does "fiduciary" actually mean?+
It means we are legally and ethically required to act in your best interest — not just to recommend things that are "suitable." Not every financial professional is held to this standard. As a CFP® professional and registered investment advisor, we are, on every recommendation.
Do I have to move all my accounts to work with you?+
No. The plan comes first. We start by understanding your full picture, and any decisions about consolidating or moving accounts are made together, only where it genuinely serves the plan.
Is it too early — or too late — to start?+
The best window is 5–10 years before retirement, when tax and income strategies have the most room to work. But we regularly help people already in retirement strengthen their plan. The honest answer: the right time is before your next big decision, not after.
Insights
View all insightsLatest thinking on retirement.
Estate Planning for Colorado Retirees: Passing On What You’ve Built
Estate planning decides whether what you’ve built transfers to the people you love efficiently, privately, and on your terms. Here’s…
Read article →Required Minimum Distributions: What Colorado Retirees Need to Know
If you’ve spent decades contributing to a 401(k) or traditional IRA, there’s a milestone waiting on the other side of…
Read article →When Should Coloradans Take Social Security? Key Timing Considerations
Few retirement decisions generate more questions than “When should I start Social Security?” It’s a fair question to obsess over…
Read article →
One next step
Schedule your free consultation.
Call or email today — we’ll find a time that works. We’ll look at where you stand and show you exactly what a written retirement plan would mean for you.
South Denver9800 Mount Pyramid Court Meridian, Suite 340
Englewood, CO 80112
Englewood, CO 80112
Broomfield390 Interlocken Crescent, Suite 350
Broomfield, CO 80021
Broomfield, CO 80021
Talk to us today
Call Now(303) 524-5223
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