Retirement Planning in Denver, CO

Denver retirees often face a wide range of retirement questions at once. We help bring the key pieces into one conversation, including retirement income, Social Security, Roth conversions, annuity reviews, RMD planning, and healthcare cost planning.

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What we help with

Retirement income planning and withdrawal strategy, so savings can become monthly income
Social Security timing and coordination between spouses
Roth conversion planning, coordinated with your tax professional
Annuity reviews for contracts you already own or are being shown
RMD planning and Medicare-related planning assumptions

New Light Financial is a fiduciary firm led by a CFP® professional. We meet Denver families in person and virtually, and every conversation starts with understanding your situation before anything else is discussed.

Retirement Planning Across the Denver Metro

New Light Financial serves the Front Range from two offices: one in Englewood on the south side of the metro and one in Broomfield on the north side. For Denver residents, that usually means whichever office is closer is a manageable drive, and we also meet virtually and by appointment for anyone who prefers it. The location matters less than the work itself: organizing what you have, understanding how the pieces interact, and deciding what deserves attention first.

Retirement decisions rarely show up one at a time. The same season of life that ends a paycheck can also raise questions about when to claim Social Security, which accounts to draw from first, whether Roth conversions fit your situation, and how to handle health coverage before and after Medicare enrollment. Because each choice can affect the others, we encourage reviewing them together rather than one by one.

Some of the people we talk with are still working and want to get organized before the transition. Others are already retired and want a second look at income, taxes, or an annuity they own. Both are reasonable times to ask questions — earlier conversations simply tend to leave more options on the table.

Denver-area households also tend to juggle more than one account type by the time retirement arrives — employer plans from different jobs, IRAs, Roth accounts, taxable savings, and sometimes an annuity or pension. Part of the work is simply seeing everything in one place, so decisions about withdrawals, taxes, and health coverage are made with the whole picture in view rather than one account at a time.

What a Retirement Clarity Review Considers

A Colorado Retirement Clarity Review is a complimentary, educational conversation — typically 30 to 45 minutes — designed to help you see how your retirement decisions fit together. Depending on your situation, the review may consider:

Your expected income sources — Social Security, pensions, retirement accounts, and other savings — and how they may work together
Withdrawal strategy and the order in which accounts might be drawn down
Market risk and sequence-of-returns risk in the years just before and after retirement
Roth conversion and RMD considerations, coordinated with your tax professional
Healthcare and Medicare planning assumptions
Annuity income or contract features, if you own an annuity or are evaluating one
Legacy goals, beneficiary designations, and how your accounts are titled

To get the most from the conversation, it helps to have a rough picture of your account types (pre-tax, Roth, and taxable), any pensions or annuities you own, and the age you hope to step away from full-time work. Exact statements are not required — the review is about direction, not paperwork.

You leave with a clearer picture of where your plan may be exposed and which decisions may deserve a closer look. The review is educational in nature, there is no obligation, and it does not create an advisory relationship.

Questions Worth Asking Before You Retire

Whether or not you ever work with an advisor, questions like these can help you organize your thinking:

How much income will we need each month, and which accounts will provide it?
When does it make sense for each spouse to claim Social Security?
Could spreading Roth conversions across several years change our long-term tax picture — and what does our tax professional think?
How would our plan hold up if markets declined early in retirement?
What will health coverage look like before and after Medicare enrollment?
Do the annuities or insurance products we own still fit our situation?

There are no perfect answers to these questions, but talking them through — with your spouse, your tax professional, or an advisor — tends to surface the decisions that deserve attention first.

Common questions

What makes your process different?

We focus on practical retirement decisions and how the pieces fit together, rather than trying to cover everything at once.

Do you help people already in retirement?

Yes. We work with both pre-retirees and retirees.

Can you help me compare options?

Yes. We walk through tradeoffs so you can make informed choices.

Do you offer one-time reviews?

Yes, depending on fit and the planning need.

Do you meet with Denver clients virtually?

Yes. We can work with Colorado clients virtually or by appointment.

Talk Through Your Denver Retirement Questions

Start with a Retirement Risk Review and get a practical look at the tradeoffs.