For Individuals & Families

Personal Financial Planning

Most people are doing the best they can with incomplete information. I help individuals and families in western Colorado get a clear picture of where they stand, close the gaps they didn't know existed, and build a plan that actually fits their life.

The Reality

Most families are one gap away from a serious problem.

It's not that people don't care about their finances. It's that the system is complicated, the language is confusing, and nobody ever sat down to explain how the pieces fit together.

A job with benefits feels like enough, until you read the fine print. A 401(k) feels like a retirement plan, until you do the math on what it will actually produce. Life insurance feels like something you'll figure out later, until later arrives and options are more limited.

The families I work with aren't reckless. They're busy, they're responsible, and they simply haven't had the right conversation yet. That's what I'm here for.

"The best time to plan was ten years ago. The second best time is today."

Common gaps I find

Underinsured or uninsured life coverage

Group life insurance through an employer is rarely enough, and it disappears when you change jobs. Most families need more than they realize.

Retirement savings that won't stretch far enough

A 401(k) is a starting point, not a complete strategy. Without a clear income plan, the math often doesn't work out the way people expect.

No plan for what happens if something goes wrong

Disability, critical illness, a hospital stay. Most people don't have a financial buffer for the unexpected, and their coverage doesn't fill that gap either.

Medicare confusion approaching retirement

Most people don't understand their Medicare options until they need to make decisions. Waiting too long can mean penalties and limited choices.

Who This Is For

Wherever you are in life, there's a conversation worth having.

Young Families

Building a foundation — life insurance, income protection, and a retirement plan that starts now while time is still on your side.

Mid-Career Earners

Taking stock of what you've built, filling in the gaps, and making sure the next 15 to 20 years are pointed in the right direction.

Pre-Retirement

Running the numbers, reviewing your income sources, and navigating Medicare so retirement is a transition you feel ready for.

Veterans

Understanding what VA benefits cover, and what they don't. Building civilian financial stability with the same discipline you brought to service.

First Responders

Protecting the people who protect others. Coverage and planning built around the unique risks and schedules of public safety careers.

Anyone Who Wants Clarity

You don't have to be at a specific life stage. If you've been wondering whether your finances are where they should be, that question is worth answering.

What We Cover

A complete picture, not just one product.

Life Insurance

Term, whole, and indexed universal life options from top-rated carriers. We'll find the right type and amount based on your income, your dependents, and your goals — not a formula.

Retirement Planning

A clear income projection based on what you're currently saving, what you'll need, and how to close the gap. We'll look at all your sources — 401(k), Social Security, annuities — and build a real picture.

Annuities

For people who want guaranteed income they can't outlive. Fixed and indexed annuity options explained clearly so you know exactly what you're getting and why it might or might not make sense for you.

Medicare Planning

When to enroll, which parts you need, and how to compare supplement plans across carriers. Most people make Medicare decisions without fully understanding them. We'll fix that before you have to commit.

Final Expense Coverage

A straightforward, affordable policy that covers end-of-life costs so your family isn't left managing that burden on top of everything else. Simple to qualify for and easy to understand.

Financial Education

Sometimes people just want to understand how things work before making any decisions. That's a perfectly good reason to have a conversation. I'm happy to spend time on education without any expectation of what comes next.

How It Works

A simple, unhurried process.

We start with a conversation

No forms, no prep work. Just a straightforward talk about where you are, what you're thinking about, and what's been on your mind financially. I listen more than I talk in this step.

I review what you have

With your permission, I'll take a look at your current coverage, savings, and benefits. The goal is to find gaps and opportunities, not to criticize what you've done so far.

I present options, not a pitch

I'll show you what I found and what I'd suggest, explained in plain language. You'll understand exactly what each option does, what it costs, and why it might or might not fit your situation.

You decide, on your timeline

There's no deadline, no pressure, and no follow-up that feels like a sales call. If you want to think it over, think it over. When you're ready, I'm here.

Start with one conversation.

Whether you have a specific question or just want to know if your finances are in good shape, I'm happy to talk. Reach out however works best for you.

Phone

970-589-1763

michael@garibaldiconsulting.com