Denver, Colorado · Serving clients nationwide
Retirement strategy you can understand and act on.
Golden Legacy Advisors is a financial planning firm. Your plan is priced as a flat annual fee, quoted in writing and you never have to move your accounts to get one.
The approach
Pricing the plan separately changes the conversation.
For most firms, the plan is a byproduct of an investment relationship. You move your accounts over, and the plan comes along with them. We price planning on its own, as a flat annual fee, so the plan exists whether or not we ever manage a dollar for you. If you do want us to manage investments, that is a separate service with its own advisory fee, disclosed in writing before anything moves.
Your plan is a live model you can log into and see updated, not a binder that ages on a shelf.
Comprehensive, not piecemeal
Retirement income, tax strategy, Social Security timing, insurance, investments and estate structure reviewed as one system because they behave like one.
Flat fees, known before any implementation
You will know your exact planning fee before any work begins, and it does not change because your account balance did. If you later choose to have us manage assets, that advisory fee is quoted and agreed separately.
Protection handled in-house
Life insurance and annuities are part of most retirement plans. We can design and place them ourselves and we tell you exactly how we are paid when we do.
How the work runs
Your plan is a living document.
Every client gets a plan built from scratch, a secure document vault, and scheduled reviews to keep it current as tax law, markets and your life all move.
Discovery & data
We map income, assets, debts, benefits, and the things you actually want your money to do.
Plan build
A working model with retirement income, tax projections and stress-tested scenarios.
Implementation
A prioritized action list, who does what, by when, instead of a 60-page PDF.
Ongoing reviews
Annual or semi-annual working sessions, plus year-end tax planning before December 31.
Ways to work together
Three doors in. One standard of advice.
Some people arrive with one question about retirement income or an insurance policy they don't understand. Others want a plan maintained year-round. We do both, and we'll tell you honestly which one you need.
Consultation
One-time engagement
Focused on retirement income and protection and not ongoing planning.
- Retirement income & withdrawal review
- Social Security & Medicare timing
- Insurance, annuity & Medicare analysis
- Written summary and next steps
Basic
Ongoing planning
A full plan and a yearly working session for a straightforward household.
- Comprehensive plan built from scratch
- Retirement income & Social Security timing
- Investment allocation review
- One annual review meeting
- Client portal & document vault
Core
Ongoing planning
Everything in Basic, plus depth for situations with moving parts.
- Everything in Basic
- Multi-year tax & Roth conversion strategy
- Business owner & equity comp planning
- Estate coordination with your attorney/CPA
- Semi-annual reviews plus year-end tax session
Fees are flat, quoted in writing, and confirmed before any work begins. We go through them together on your Retirement Snapshot, once we both know which level actually fits your situation.
Protection
Insurance, annuities and Medicare, explained without the theater.
A guaranteed income floor can be the difference between a plan that survives a bad decade and one that doesn't. It can also be sold badly. We start from the plan, size the need, shop carriers, and show you the trade-offs in writing, including how we get paid. Medicare enrollment and policy reviews are part of the same conversation.
How we handle protection
Next step
Start with a conversation, not a commitment.
The Retirement Snapshot is a free meeting. We will tell you whether working together makes sense for your situation and if it doesn't, we'll say so.