Colorado Financial Planner provides financial advice

In the complex investment world there are so many choices to invest your money and many types of investment advisors to choose from. How do you know which direction to take? Stock brokers from large investment firms or advisors from smaller firms; brokers that make their money selling you investment products or advisors that charge you a fee. The choices are endless.

We believe our firm offers a refreshing option.

The things that separate us from other advisors are:

We are a "fee-only" investment management firm, offering advice not influenced by commissioned investment products (ie loaded mutual funds, annuities)
The client's assets are held at a discount broker to save the client money.
We are a small firm offering personalized investment advice.
We take the time to educate our clients so they are informed about their finances.
We have a unique screening system for choosing only the best investments.
We offer the widest choices of investments available for our clients.
We contact our clients periodically keeping them informed on the progress of their accounts.

What Makes Us Different?

We differ from most of our competitors in several ways. First we are compensated exclusively by fees paid by our clients thereby allowing us to work in our clients’ best interests and solely for them. In other words, we act in a fiduciary capacity when advising our clients. Unlike us, many of our competitors receive the bulk, if not all, of their compensation (commissions) from the products they recommend. Many times there are hidden commissions and compensation fees, which are not transparent to the client. In that capacity, by law those advisors are required to work in their firm’s best interest, not the client’s. Other firms work as a fiduciary for their client only part of the time (they charge a fee part of the time) and are commissioned salespeople at other times. These advisors call themselves fee-based, attempting to confuse the client into thinking they are fee-only. Usually, in both of these situations, the individuals that represent these firms have an incentive to recommend high cost products, such as whole life and/or universal life insurance, variable annuities, and A, B, & C shares of mutual funds.

The second major way in which we differ from our competitors is that we work as a team for our clients, providing personal attention every step of the way. In most firms, each advisor has his or her own set of clients. While any two advisors in the same firm may operate in a somewhat similar manner, clients almost always receive two different levels of service as well as quality of advice. At Elderado Financial, all clients are firm clients and are counseled in the same manner and receive the same innovative level of advice and hands-on, courteous service. Each of our advisors specializes in a different area and works on the clients’ behalf in a concerted manner thereby ensuring the quality of advice and level of service we are providing. Also, we take over the time-consuming task of managing client’s affairs among multiple advisors both internal and external to us. We are always eager to work with a client’s existing advisors to recommend strategies that address our client’s needs. Should a client need an advisor in a particular area that requires expertise that we do not provide, (for example a labor attorney, if we were counseling a business), we will recommend a prescreened professional who can assist in this area.

We further differ from our competitors in that we create customized solutions for our clients. One simple example of this is, oftentimes, our clients come to us with investments, which have a low cost basis. At many of our competitor’s firms, they would simply sell the asset and fit the proceeds into their investment offering. At Elderado Financial, a comprehensive analysis of all securities as well as their tax ramifications would first take place and then be discussed at length. A strategy would then be developed and agreed upon by the client. If a particular security no longer fits the portfolio, a plan of attack would be developed to liquidate it. Typically, securities with a low cost basis would be whittled down over time, utilizing losses from other securities.

Not only do we have a number of investment management offerings, which can be tailored to each client’s needs, but we are constantly on the lookout for new investment strategies, which we can offer to our clients.

Experience

We have over 15 years of combined experience helping individuals, families, and small businesses plan for their financial needs. Having lived many "financial lives" we know what works and what doesn't. Experience is priceless in a financial arena dominated by investors and advisors who have never seen a recession or a "bear" market.

Expertise

The team of Jim and Janet Elder work together to help their clients reach their financial goals. Jim Elder is a Certified Funds Specialists and Janet Elder is a Certified Senior Advisor. They are fee-only financial advisors that actively manage their client's accounts by maximizing performance and minimizing their risk exposure.

Independence

We are not owned by a bank, a brokerage firm, or insurance company but are completely independent owned. We make use of no self-produced products and yet we work with the largest financial services companies in the world. Unlike most financial advisors, we can utilize both no-load and load-waived investments with our clients, meaning that we can paint from a very broad investment palette to meet our clients needs. We utilize Institutional Class shares, which offer extremely low expense ratios, for even our clients of moderate means.

This is a Family Business

Our mission is to care about our clients’ goals as if they were our own. We are a small family business partnered with some of the biggest and strongest financial services companies in the industry. We believe that with us you get the best of both worlds: financial strengths and individualized, personal attention. ElderAdo Financial offers the antithesis of the cold mega-merged financial services companies building long-term relationships with our clients.

Why ElderAdo Financial?

Making the financial decisions necessary to achieve your goals takes knowledge and commitment. It takes the kind of expertise, individualized attention, integrity and objectivity you'll find at ElderAdo Financial.

We look at each client as an individual-with personal as well as financial goals. Our services are designed to suit each individual, without compromise.

We do much more than just advise. We give you a plan-and the tools-to build your financial success. From investment management to tax, estate, education and retirement planning, we provide expert guidance and the most up-to-date solutions. We offer you options and the knowledge you'll need to make informed decisions about your future.

1100 S. Townsend Ave., Montrose, Colorado 81401 Phone: 970-249-9900 Toll Free: 877-422-4770

Christian Values Mutual Funds: Timothy Plan Noah Fund Catholic Values Investment Shepherd Values Fund Christian Stewardship Funds Aquinas Fund