Business Details
36 Years
experience
Your Trusted Financial Advisors for Retirement Planning
Since 1990, Townsend Retirement Specialists has been dedicated to providing comprehensive financial guidance tailored to individuals preparing for or navigating retirement. Our team of seasoned professionals combines deep industry expertise with a personalized approach to help clients protect assets, create sustainable income strategies, and develop structured plans for long-term financial security. We specialize in retirement planning, investment management, and legacy solutions, leveraging decades of collective experience to address the unique challenges faced by pre-retirees and retirees.Our commitment to excellence is reflected in our client-centric philosophy, which prioritizes transparency, education, and ongoing support. By maintaining rigorous compliance standards and affiliating with trusted partners like FINRA/SIPC-registered entities, we ensure our clients receive both regulatory safeguards and innovative financial solutions. With offices in Westminster, Denver, and Aspen, we serve clients across 45+ states, offering in-person and virtual consultations to accommodate diverse needs.
Services
Investment Management
Retirement Planning
Legacy Planning
401(k) Rollovers
Wealth Management
Client Education
Lifetime Income Solutions
Details
- Year established: 1990
Highlights and features
- We offer 35+ years of specialized retirement planning expertise
- Our team holds CFA and CGMA professional certifications
- We provide personalized financial education resources
- Our process includes comprehensive legacy planning strategies
- We maintain FINRA/SIPC regulatory compliance for client protection
Associations and certifications
- FINRA
- SIPC
Services
Investment Management
Our investment management service creates customized portfolios aligned with retirement goals and risk tolerance. We employ strategic asset allocation and ongoing performance monitoring to optimize returns while maintaining appropriate risk levels. Clients receive quarterly performance reports and regular strategy adjustments to ensure long-term financial objectives remain on track.
Retirement Planning
We develop comprehensive retirement plans addressing income needs, tax efficiency, and healthcare costs. Our process includes cash flow analysis, Social Security optimization, and pension rollover strategies to create sustainable income streams. Clients benefit from scenario modeling tools that help visualize different retirement timelines and spending patterns.
Legacy Planning
Our legacy planning service focuses on wealth transfer strategies that minimize tax liabilities and preserve family assets. We coordinate with legal professionals to implement trusts, charitable giving vehicles, and beneficiary designations that reflect clients' wishes while maintaining compliance with evolving estate tax regulations.
401(k) Rollovers
We specialize in seamless 401(k) and pension rollover solutions that maintain tax advantages while expanding investment options. Our team handles the entire transfer process, ensuring proper documentation and compliance with IRS regulations to prevent unnecessary penalties or tax consequences.
Client Education
Through webinars, market commentaries, and personalized sessions, we empower clients with knowledge about investment principles and retirement strategies. Our educational resources cover current market trends, tax law changes, and practical tools for making informed financial decisions throughout retirement.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including income strategy development, tax-efficient withdrawal plans, and pension rollover assistance tailored to individual needs.
Are you licensed to operate in my state?
We serve clients in 45+ states including California, Texas, Florida, and New York. Contact us to confirm availability in your specific location.
What investment approach do you use?
We employ a diversified approach with strategic asset allocation, focusing on long-term growth and risk management customized to each client's goals.
How are your advisory fees structured?
Our fee structure is transparent and based on assets under management. We provide detailed disclosures during the initial consultation to ensure complete understanding.
Can you help with 401(k) rollovers?
Yes, we specialize in 401(k) and pension rollover services, ensuring smooth transfers while maintaining tax advantages and compliance with IRS regulations.
What credentials do your advisors hold?
Our team includes professionals with CFA and CGMA designations, along with FINRA/SIPC-registered representatives through our affiliated broker-dealer.
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