Protect your family financially
You Are:
Responsible, High-Achieving, Successful, and Determined to Make Wise Financial Decisions
You May Be Feeling:
Unprepared, Concerned, Anxious, and Unsure of Your Financial Future
You Desire:
Clarity, Simplicity, Confidence, and Peace of Mind Knowing Your Financial Future is Secure
Protect your family financially
You Are:
Responsible, High-Achieving, Love to Succeed, and Determined to Make Wise Financial Decisions
You May Be Feeling:
Unprepared, Concerned, Anxious, and Unsure of Your Financial Future
You Desire:
Clarity, Simplicity, Confidence, and Peace of Mind Knowing Your Financial Future is Secure
“Real risks are the ones you don’t know about and therefore cannot plan for. Risks you can identify, you can often eliminate, or at least proactively address.” – Martin Ruby
Welcome!
There is a retirement crisis raging in America today. Our goal is to help you financially prepare to weather the crisis and to rise above it. You can soar through your retirement years with no stress or worries about money.
Financial planning starts with your first paycheck and your first purchase. The earlier you learn the principles of lifetime wealth planning, the more opportunities you have to grow and protect your money.
We love working with people of all ages. Young people hungry for knowledge all the way through retired people realizing there must be another way.
Welcome!
There is a retirement crisis raging in America today. Our goal is to help you financially prepare to weather the crisis and to rise above it. You can soar through your retirement years with no stress or worries about money.
Financial planning starts with your first paycheck and your first purchase. The earlier you learn the principles of lifetime wealth planning, the more opportunities you have to grow and protect your money.
We love working with people of all ages. Young people hungry for knowledge all the way through retired people realizing there must be another way.
Now more than ever, we realize the devastating impact taxes and market volatility are having on our retirement income and lifetime financial plans.
Who We Are
Unique | Innovative | Strategic | Comprehensive
Most financial advisors and planners manage your investment money.
A few propose insurance-based strategies.
We do both!
We help you bridge the gap between “managed risk” (investment) strategies and “safe money” (insurance) strategies.
We wrap your entire financial foundation, together with your future goals and dreams, into a comprehensive analysis of your investments, assets, lifetime taxation, retirement income, Social Security benefits, pensions, etc.
Our #1 priority is to provide you with plans, options, and opportunities to protect your money from downside risk, capture the upside growth in the market, and eliminate risks to the safety of your money.
We custom design and build your unique and strategic lifetime wealth plan.
It’s flexible and fluid for the twists and turns in your road ahead.
Lifetime financial planning, whether you start in your 20s or 70s, builds confidence, creates clarity, relieves stress, worry, and anxiety, and gives you a feeling of protection for your money.
Hi, I’m Judy!
I am a CPA, fiduciary, Investment Advisor Representative, independent life and health insurance professional, and certified long-term care insurance specialist.
My services bridge the gap between both the investment and insurance sides of the financial services industry.
My #1 priority is to protect your lifestyle and your ability to enjoy it throughout your lifetime and the lifetimes of your children, grandchildren, and loved ones.
Testimonials
Judy is very clear on communicating and educating us on all the options we have available for our money. Judy is very quick to get back to us and readily answers any questions we have in language we understand. I really appreciate the knowledge she has about after-tax savings options, so we aren’t just stuck with a 401(k) and other government sponsored savings plans. It was super easy to transition our accounts from our prior advisor under Judy’s management. She made everything very painless for us.
- Lori B.
I’ve been working with Judy for several years now. She really cares about me and my lifetime financial situation. I trust her because she has never steered me wrong, and I won’t have to pay taxes in the future! The plan we put together is flexible and we’ve been able to pivot my plan as my life’s circumstances changed.
- Joe S.
I met Judy a few years ago when I was changing jobs. We started talking about retirement income, and she helped me consolidate and streamline all my old 401(k) plans and financial accounts. We put together a good lifetime financial plan. Life circumstances changed for me when I decided to retire early. Judy was very adaptable to pivot my plan and help me find another solution. She and Britta help me understand how to use my money as wisely as possible and understand options I wasn’t previously aware of. They are both fun and great to work with.
- Twila M.
I heard Judy several times on the radio. Then one day when I was driving, I heard her again and thought I really need to check in with Judy on this. I immediately pulled over and called her right then and there. She shared something with me about tax-free income in retirement I had never heard before. I talked to my husband when I got home, and we decided to meet with Judy. We love her educational nature and how she puts her information in terms we understood. An asset that distributes tax-free income in retirement made sense to us! It’s a great feeling and a blessing to know we have that available in case we need it or would like to use it. We trust Judy, so we told our young adult kids and they have taken advantage of this asset as well!
Judy is the real deal. She has integrity and we know she has our best interests in mind. She has been a wonderful resource! Judy is a valuable partner for us in our financial journey.
- Suzanne S.
Robert Kiyosaki said, “Having these three professionals in your life is vital to your financial survival: a lawyer, a financial planner, and a Realtor.”
My favorite real estate guru Brian Buffini said, “You want to work with people you know, like and trust. It’s all about the relationship.”
I’ve known Judy for over 10 years. She is super trustworthy. I like her, and I know you will too!
- Pie K.
I was hesitant at first to trust a new person. I was in a new marriage and feeling unsure, inexperienced, and worried about who was going to help me with my finances. My husband uses Judy as his financial professional, so we met together. I had some messy financial situations; Judy was patient and showed me step-by-step how to walk through every circumstance. I love the hand-holding both Judy and Britta provide. I now have reassurance and security that my finances are being properly handled. I’ve built trust and made some new friends!
- Tammy K.
Judy is a CPA with a strong tax background. She loves helping her clients understand where and how they have been saving their money in terms of how it is going to spend down in their retirement years. She helps people see the tax implications of the financial decisions they make so they don’t end up in a downward spiraling tax cycle once they start distributing their wealth. Judy is very passionate about her work and cares deeply for her clients.
- Steve R.
When Judy talked about the two sides of the wealth mountain, the accumulation side and the distribution side, and how important it was to understand the differences between where we save money vs. how we spend it, the light bulb went on. Judy helped build an asset that will have a tax-free flow of income once we start our distribution years. This will be a great help to us to offset any tax burdens we may have in retirement.
- Jim S.
I have known Judy for years now, and made the decision to move my insurance accounts to her and her business. The commitment she and her team have towards building your personal goals is beyond commitment.
- Lasinda C.
Judy and I have been working together for several years, and my circumstances have changed a few times over the years. Judy is very familiar with all the different strategies to accommodate a client’s needs no matter what their situation and circumstance is or how they change over time. I spent most of my career in the banking industry; however, I was not familiar with some of the advanced planning strategies Judy suggested. Judy easily explained how the various strategies work and why that particular strategy was best in each situation. We have a continuous and ongoing relationship as my lifetime wealth journey progresses.
- Eric A.
Judy is personable and knowledgeable in her field. If she doesn’t have an answer right away, she will go find one! I highly recommend her and have complete trust in her. She has already helped my wife, child, and I so much. Thank you, Judy!
- John S.
We work for you, not Wall Street, the banks, or the government. We look for gaps and cracks and provide options to fill them. You make all the decisions.
Contact Us
9233 Park Meadows Drive | Suite 125
Lone Tree, CO 80124
*By appointment only
Advisory services are offered through Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark.
Insurance product guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products.
This is a voluntary testimonial by a verified client. Client was not provided any product, service or benefits in exchange for their statement. There is no material conflict of interest present. Testimonials are a representation of the client experience and do not reflect the view of the Investment Adviser Representative, Royal Fund Management, LLC or its affiliates. Judy Carlson is an Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, a SEC registered Investment Adviser.