Denver Retirement Planning
Comprehensive Denver Retirement Planning Tailored to You
At HighPass Asset Management, we specialize in Denver retirement planning that goes beyond numbers. As a trusted wealth manager, we combine personalized financial planning with smart investment strategies to help you retire with confidence, and stay retired comfortably. Our focus is not just on the destination, but on navigating the journey with tailored strategies for long-term benefit. Whether you’re starting early or transitioning soon, our Denver-based team is ready to guide your retirement journey.
We start by truly understanding your financial picture, including your career, assets, and lifestyle goals. From there, we provide individualized strategies that help you build security and flexibility in retirement. With our collaborative approach, you’re never left guessing, every step is explained and aligned with your vision. This proactive planning empowers you to enjoy your retirement years with clarity and control.
Working With a Retirement Planner: More Than Just a Number
Effective Denver retirement planning isn’t just about reaching a number. It’s about creating a roadmap that aligns with your lifestyle, goals, and legacy. Our advisors offer clarity, support, and structure, making it easier to adapt as life evolves. As a wealth management firm deeply rooted in Colorado, we guide you through every stage, so you can retire with peace of mind.
Life doesn’t move in a straight line, and neither should your retirement strategy. That’s why we believe in flexible financial planning that allows you to pivot when needed, whether due to economic shifts, health changes, or family priorities. Our team keeps a close eye on market trends and policy updates, ensuring your plan stays resilient. Through regular check-ins and plan reviews, we help keep your retirement path steady and on track.
Our Planning Services for Your Retirement Journey
Our comprehensive retirement planning process begins with a full understanding of your financial landscape: income, expenses, goals, timeline, and risk tolerance. From there, we construct a plan tailored to your needs that evolves as your life changes.
We help you:
- Target a minimum 70% probability of retirement success, with strategic adjustments where needed.
- Manage crucial variables including savings rate, withdrawal strategy, income levels, and retirement tax planning.
- Determine the most advantageous time to claim Social Security benefits.
- Prepare for rising health care and long-term care costs associated with longevity.
- Develop the right asset allocation for both growth and protection.
- Understand how much retirement income your investments can generate.
- Build a spending strategy that supports your lifestyle for decades.
- Avoid pitfalls that reduce your savings.
This is the core of what makes our Denver-based planning services effective. We believe clarity is essential, that’s why we model different retirement scenarios, allowing you to visualize the outcomes of different choices. Whether you’re planning for travel, family support, or medical costs, we ensure each element is accounted for. Our detailed projections include inflation assumptions and real-world risk simulations. The result is a dynamic plan that helps you feel confident, prepared, and empowered.
Wealth-Focused Investment Management for Retirement
Retirement planning and comprehensive investment management services are deeply interconnected. At HighPass, we develop custom portfolios aligned with your goals, risk profile, and time horizon. These portfolios are designed to perform through market cycles while sustaining your retirement income over time.
Our strategies also include:
- Tax-efficient investing
- Risk management and insurance solutions
- Roth conversions and tax optimization
- Rebalancing techniques to safeguard capital
- Strategic withdrawal sequencing for tax efficiency
Located in Denver, we ensure that our investment management process reflects your full retirement picture. We recognize that every investor’s needs are unique, which is why our process includes detailed risk assessments and asset allocation reviews. Our advisors also explore alternative investment options when appropriate to help diversify your portfolio. By integrating retirement planning with your investment strategy, we help ensure consistency and resilience across all market conditions. It’s not just about growth, it’s about creating income sustainability and long-term peace of mind.
Estate & Legacy Considerations
Your retirement plan should also account for what follows. Our estate planning guidance reflects your values and legacy goals. We assist with:
- Accurate asset titling and trust funding
- Structuring wealth management strategies for charitable giving
- Facilitating intergenerational wealth transfers
- Coordination with legal professionals to ensure everything is executed smoothly
Our Denver-based team ensures that your estate strategy is aligned with your broader retirement and wealth management goals. We also help ensure your documents and beneficiaries are up to date as laws and life circumstances evolve. Beyond financial efficiency, our aim is to bring peace of mind to your family and loved ones. Estate planning is not just about wealth preservation — it’s about expressing your wishes with clarity and compassion. Our team collaborates with your estate attorney to streamline communication and execution.
What Makes Our Retirement Planning Unique?
Unlike many financial advisors, we are a fee-only fiduciary firm based in Denver, providing unbiased advice aligned with your best interest. From retiring early to leaving a lasting legacy, we’re here to build a trustworthy partnership with every client. Our goal is to help you craft a retirement plan that supports your vision with integrity, transparency, and personalized strategy.
Because we’re not tied to product commissions or incentives, you can count on advice that’s truly in your best interest. We prioritize education throughout the process, ensuring you fully understand every decision and its impact. Our clients appreciate the proactive nature of our service model, which focuses on forward-looking planning. Whether you’re just starting or nearing retirement, we meet you where you are and help build upward.
Let’s Talk About Your Retirement Plan
Retirement planning doesn’t have to be complicated. If you’re unsure about your current plan or need a second opinion on your investments, we’re here to help. Our Denver-based retirement planner will evaluate your goals and provide tailored advice. Contact us today to schedule a free consultation.
You don’t have to navigate the complexities of retirement alone. With professional insight and compassionate guidance, you can gain clarity on where you stand and how to move forward. We’re happy to review your existing financial plan or simply answer your most pressing questions. Take the first step toward a more confident retirement today.
How Long Does $1 Million Really Last in Retirement?
How long will your money last? What asset allocation should you use? What spending rate should you use? How should you invest during retirement? Check out our expert advice in this video.