Welcome to Financial Planning

My name is Larry Wood, and I am an independent Certified Financial Planner serving families and small businesses across the country.  Even though the majority of my clients reside in Colorado and I am registered with the Division of Securities in the State of Colorado, I serve clients in 9 different states.  I work to help you understand your retirement planning options.  In addition, I help you understand how to financially protect your survivors, how to effectively plan for asset transfers, how to avoid overpaying income taxes, and how to prepare for those college funding years. I have been preparing tax returns since 1984 and currently prepare them for investment and financial planning clients.  In your retirement years I help you effectively take distributions from your retirement funds while minimizing the tax impact.

Retirement planning is an ongoing process of working with you to build a plan that meets your retirement goals.  Plans change frequently in your retirement years.  My process is very dynamic in that it takes constant scrutiny to make sure you stay on track with the latest plan throughout retirement.  I listen closely to your needs and goals, present plan options, and arrive at an agreement on how to position your investments to give you the highest probability of success.

My independence is a critical part of this process.  You receive advice you can trust with absolutely no conflicts of interest.  I work with the Charles Schwab Institutional Client Service Group because they are not commission oriented.  I recommend non-commissioned mutual funds alternatives for portfolio positions.  I take my fiduciary role very seriously by putting your interests first, always, and with no exceptions. 

I generally require new full-service clients to bring $500,000 of investment assets into the investment advisor relationship.  If this is not possible within the first year of the initial engagement, I will help you get started by pointing you in the right investment direction upon completion of the initial financial planning process.  We can work together as long as you like on an hourly basis focusing on financial planning and move into an investment advisor relationship once the asset base grows to the $500,000 minimum.  My fee structure is flexible enough to accommodate your needs.