Our Philosophy

Avoid the Risks

Now more than ever, we realize the devastating impact taxes and market volatility are having on our retirement income and comprehensive financial plans.

There is so much more to planning financial strategies than just “managed money.” Risks to the safety of our money are many:

  • Taxes and tax code changes
  • Lost opportunity costs
  • Market volatility
  • Chronic or terminal illness
  • Sequence of returns
  • Early death of a loved one
  • Fees
  • Longevity

Most people are going to distribute a majority of their retirement money from taxable accounts. Those distributions are taxable at the tax rates in the tax code at the time of distribution and trigger taxes on Social Security benefits and higher Medicare premiums.

Protect Your Money

There are so many innovative ways to help protect your money. You can strive to eliminate the risks listed above while designing tax-efficient streams of retirement cash flow you cannot outlive.

Your plan can aim to make the most out of every dollar you save and include:

  • Uninterrupted compound growth
  • Downside market protection
  • Tax-free growth
  • Access to your money
  • Liquidity, use, and control of your money
  • Tax-free retirement income
  • Income protection
  • Flexibility

We use multiple strategies to help provide you with optimal options:

  • Tax elimination
  • Pension maximization
  • Risk mitigation
  • Long-term care solutions
  • Social Security claiming
  • Mortgage payment options
  • Leverage
  • Legacy and estate planning

We offer a comprehensive evaluation of your current financial situation. We believe you will see value in the information and want to fill in the gaps and cracks in your existing plan. We provide the options; you make all the decisions!

If you are interested in learning more about these strategies and how they may benefit your overall comprehensive financial plan, please click the button below to contact Judy. We look forward to the opportunity to work with you.

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.