Retirement
Plan for a Retirement You Can Actually Enjoy — in Colorado
At Dottenwhy Financial Group, we help Colorado families create a comprehensive retirement roadmap tailored to your goals, lifestyle, and unique financial situation.
Whether you’re planning to retire in Denver, along the Front Range, or in a quieter mountain town, your retirement plan should reflect both your personal vision and the financial realities of living in Colorado.
What We Cover Together:
Why It Matters in Colorado
The retirement landscape has changed. Pensions are rare, Social Security may not cover enough, and with Coloradans living longer and healthier lives, retirement often lasts 25–30 years. Add in rising housing and healthcare costs in Denver, Boulder, and other parts of the state, and planning becomes essential.
Many firms focus only on helping you reach retirement. At Dottenwhy, we help you get to retirement and through it, with strategies that adapt to both your personal needs and Colorado’s financial environment.
Ready to Start?
Retirement isn’t about an age — it’s about living the lifestyle you want without fear of running out of money.
📞 Start building your Colorado retirement plan today.
Let’s make sure your money lasts as long as you do.
At Dottenwhy Financial Group, we help Colorado families create a comprehensive retirement roadmap tailored to your goals, lifestyle, and unique financial situation.
Whether you’re planning to retire in Denver, along the Front Range, or in a quieter mountain town, your retirement plan should reflect both your personal vision and the financial realities of living in Colorado.
What We Cover Together:
- Evaluating your current savings, retirement accounts, and other assets with a Colorado lens, including whether to leverage programs like the Colorado SecureSavings Plan if you’ve changed employers.
- Estimating future income needs based on Colorado’s cost of living, property taxes, and healthcare costs in your county.
- Designing strategies that help your money last throughout retirement, including guaranteed income solutions to complement pensions (rare in today’s workforce).
- Timing matters: Guidance on when to claim Social Security, how Colorado’s tax rules affect retirement account withdrawals, and how to keep your income flexible for both federal and state tax efficiency.
- Healthcare & long-term care planning: We prepare you for the real costs of Medicare, Medigap or Advantage plans in Colorado, and long-term care strategies that protect your assets.
- Lifestyle goals and unexpected expenses: Whether that’s more time in the mountains, helping family with college costs, or simply enjoying retirement without worry.
- Tax-smart retirement strategies: Taking advantage of Colorado’s pension and annuity subtraction ($20,000 at ages 55–64 and $24,000 at 65+) and the expanded Social Security exemption for certain income levels, so more of your money stays in your pocket.
- Risk management & diversification: Building portfolios that balance growth and protection against both market volatility and Colorado-specific economic shifts.
Why It Matters in Colorado
The retirement landscape has changed. Pensions are rare, Social Security may not cover enough, and with Coloradans living longer and healthier lives, retirement often lasts 25–30 years. Add in rising housing and healthcare costs in Denver, Boulder, and other parts of the state, and planning becomes essential.
Many firms focus only on helping you reach retirement. At Dottenwhy, we help you get to retirement and through it, with strategies that adapt to both your personal needs and Colorado’s financial environment.
Ready to Start?
Retirement isn’t about an age — it’s about living the lifestyle you want without fear of running out of money.
📞 Start building your Colorado retirement plan today.
Let’s make sure your money lasts as long as you do.
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