720-445-1308 judy@judycarlson.com

complex made simple

Protect Families Financially


Safely protect your money from risks: taxes, market volatility, sequence of returns, fees, lost opportunity cost, chronic or terminal illness, unexpected loss of a loved one, and longevity.

Design your unique lifetime wealth strategy with tax-efficient streams of retirement cash flow you cannot out live.

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Simply Live Tax-Free!

“If what you thought to be true about your money turned out not to be true, when do you want to know?”

Live Your Fullest Life Possible!

Who We Are

We are financial disruptors.

We focus on tax diversification strategies to help create a better financial future.

We are not financial planners; we fill the gaps they leave behind.

We live out of a spirit of gratitude.

We believe every person is uniquely created for purpose and destiny.

We are blessed to work with people from all walks of life because we believe life is more meaningful without the burden of financial stress.

We believe everyone has a bright future.

We believe education motivates action, especially when exchanging poor financial habits for healthier financial futures.

We serve people who are open minded, honest, caring, fun to be around, and hungry to learn more.

Our founder Judy Carlson spent years buried in accounting, analysis, and corporate finance just to realize she wants to work with people not papers.

Our burning desire is helping people only pay as much taxes as they need to while growing their wealth.

We believe in living the fullest life possible while paying the lowest taxes possible.


Here’s what our clients are saying about Coram Deo Financial.

I met Judy as I was preparing for retirement. I was not satisfied with my current financial advisors, because they were not listening to me about how I wanted to be positioned for retirement. Judy actually listened to me. As a result of this process, we are currently putting in place a plan that has been generated to meet my needs.

Debbie M.

I attended short seminars by several financial strategists, including one by Judy. Judy and I then met one-on-one to further discuss what I was looking for. Judy kept providing additional information and details as I narrowed in on options that I believe would work best for my situation. The entire experience has been about me, not her or her company.

David S.

Judy patiently educated us on some basic fundamentals of how wealth really works. Things no one has told us. Judy helped us discover ways to eliminate our huge tax burden so we can live a worry-free retirement.

John & Carrie H.

I met Judy at church. I happened to mention I was worried about my retirement income. Judy shared with me how wealth distribution works and how to eliminate tax risk and market volatility from my retirement years. She selflessly gave of her time and wisdom.

Lisa T.

Judy is an engaging and easy person to work with. I appreciate her genuine interest in helping us improve our financial situation for the rest of our lives.

Josh & Linda B.

Help is on the way. Our lives crossed paths with Judy’s at the perfect time for us to completely transform our retirement. We went from worrying about taxes and market risk to freedom and care-free living. We are so grateful.

Mike & Ashley P.


“The hardest thing in the world to understand is income taxes.”

-Albert Einstein