Our Process
A financial plan is unique to you and your goals. During your initial conversation, our advisors get to know you and help define your needs, objectives, and priorities based on your risk tolerance, time horizon, income needs, tax situation, and personal preferences. We’ll create a custom plan with clear steps to help you reach your goals. Once you open your accounts with Charles Schwab and transfer your funds, our team will begin implementing your plan, actively monitoring and adjusting your investments as your life or the economy changes. Throughout our relationship, you’re always welcome to meet with our advisors for reviews, updates, or questions at no additional cost.
Over 100 Years of Combined Experience
Elderado Financial was founded in 1998 with a simple purpose: to provide thoughtful, trustworthy financial guidance to individuals and families seeking clarity and confidence in their financial lives. From the beginning, the focus has been on building lasting relationships and offering advice that truly serves each client’s best interests.
Jim Elder
FOUNDER & FINANCIAL PLANNER
Jim Elder is the founder and principal of ElderAdo Financial, Inc. His primary role is to formulate investment policy for the firm’s clients, assist clients with financial planning to achieve their goals, and monitor client’s progress. Mr. Elder advises on estate planning, asset protection, and strategies for managing a family’s wealth. Elder recently authored a financial book titled “WealthCare”, a 285 page hardcover book providing practical information and solutions for today’s complex financial field. He was editor of a periodic publication titled “Dollars and Sense” and founded the “Financial Health Fair”, a 501(c)3 Colorado Non-Profit Organization to educate the Denver, Colorado community on financial principles. Along with his wife Janet, Jim hosted the financial portion of the television program “Living for Tomorrow” on the Daystar Network, 1995 – 1998. Mr. Elder conducts numerous financial seminars and is active member of Rotary International.
Jaimee Carnes, CFP®, FRC℠
CERTIFIED FINANCIAL PLANNER® FEDERAL RETIREMENT CONSULTANT℠
Jaimee Carnes is a Certified Financial Planner® and Federal Retirement Consultant℠ at ElderAdo Financial who is passionate about helping clients achieve their financial goals. Her expertise is in overall financial planning and advice. Jaimee also specializes in assisting federal employees with their retirement decisions. Additional subjects of expertise are in estate planning and tax planning. As a fiduciary, she educates and guides clients to feel comfortable in their finances as well as be good stewards of their wealth.
Jaimee grew up working in the financial planning business with her parents at ElderAdo. She has a degree in Business Management from Northern Arizona University. In addition, she has experience in the financial industry from her tenure in various supervisory roles at Vanguard Investments. In her spare time, Jaimee is on the board of her local Rotary Club, a founding board member of the Greater Montrose Chamber of Commerce, and facilitates a Financial Peace University Course to help teach others the basics of financial success. She enjoys being active outdoors, traveling, baking, playing the bass guitar on the worship team at church, and spending time with her husband and sons.
Nathan Manes, CFP®
CERTIFIED FINANCIAL PLANNER® FINANCIAL ADVISOR
Nathan Manes is a financial planner who is passionate about meeting clients where they are. He strives to understand the unique situation of each client in order to help them simplify their financial life.
Nathan has a Bachelor’s of Science in Business Administration with concentrations in management and marketing from Colorado State University. Prior to joining ElderAdo, he was a financial advisor at a different firm where he focused on assisting businesses and young families in navigating change. In his free time, he enjoys hiking with his wife and dog, golfing, fly fishing, and hunting.
Daniel Carnes, CBDA
INVESTMENT ANALYST & FINANCIAL PLANNER DIGITAL ASSETS COUNCIL OF FINANCIAL PROFESSIONALS
Daniel Carnes is the investment analyst and a financial planner at ElderAdo with industry experience on the advanced trading desk at Charles Schwab. He is enthusiastic about market trends, investment analysis, and digital assets (aka cryptocurrencies). Daniel obtained his Digital Assets Council of Financial Professionals (DACFP) Certificate in Blockchain and Digital Assets in 2021 and is passionate about this new investment vehicle. At ElderAdo Financial, he researches potential investments and leads investment committee meetings to determine what best meets our clients’ needs.
Daniel has a Bachelor’s of Science in Computer Information Technology from Southern New Hampshire University. In his free time, Daniel speaks about finances and digital assets at numerous events/talk shows and facilitates a Financial Peace University Course to help teach others the basics of financial success. He enjoys grilling, online gaming, listening to music, soccer, and spending time with his wife and sons.
Janet Elder
RMD SPECIALIST AND COMPLIANCE ASSOCIATE
Janet Elder specializes in managing and monitoring investment portfolios. She is responsible for the research and recommendation of investment vehicles such as securities and mutual funds. Ms. Elder constructs portfolios that match the client’s needs and risk tolerance. Janet completed the coursework for the Certified Senior Advisor Designation. She is a graduate of Phillips University where she earned a Bachelors of Science. Ms. Elder served on the Board for the Montrose Chamber of Commerce and was a member of Altrusa, a community service organization.
Jessica Armbruster
WEALTH MANAGEMENT ASSOCIATE
Jessica Armbruster provides support to our senior advisors and specializes in monitoring portfolios, generating performance reports, and creating marketing materials. She loves talking with our clients and when you call the office it’s very likely you’ll speak with her. Her own financial journey and years of financial industry experience ignited her passion for supporting others to maintain their financial freedom. Jessica loves spending her time off relaxing at home and adventuring outdoors with her husband and three sons.
Adam Miller
CERTIFIED FINANCIAL PLANNER™ Professional & Chartered Advisor in Philanthropy
Adam Miller is a CERTIFIED FINANCIAL PLANNER™ and a Professional & Chartered Advisor at ElderAdo Financial. As a trusted fiduciary and fee-only financial planner, he works to help families preserve and manage their assets. By encouraging families to communicate their values, he helps them to make an impact by sharing their wealth and wisdom with the people and organizations they care about.
Adam is also a member of the International Association of Advisors in Philanthropy. He has written many articles on financial planning and philanthropy to help people make a difference by realizing their full capacity.
Doge
OFFICE GREETER & EMOTIONAL SUPPORT
As you enter our office you may be welcomed by our official greeter, Doge. He’s a friendly standard poodle who absolutely loves our visitors. He wears many hats and also helps provide emotional support to our employees and clients during tough times. Doge was named after the cryptocurrency Dogecoin. Come by and say hi to our office pup!
Rachel Jacques
OFFICE MANAGER
What do you enjoy most about helping clients?
I enjoy creating a welcoming experience and helping clients feel comfortable and cared for from the moment they contact our office. Building relationships and being a helpful resource is one of the most rewarding parts of my job.
What is your role at ElderAdo Financial?
As Office Manager, I help keep our office running smoothly by coordinating schedules, assisting clients, managing day-to-day operations, and supporting our advisory team so we can provide the best possible service.
What do you enjoy outside of work?
Outside of work, I enjoy spending time with my son, exploring local food trucks, attending live music events, and watching fireworks displays whenever I get the chance. I also enjoy photography and capturing the beautiful scenery of Colorado. Whether it's a community event or a day spent outdoors, I love making memories with the people I care about.
What is a value that guides your work?
Kindness. I believe that treating people with respect, patience, and genuine care can make a meaningful difference in their day.
What is something people may be surprised to learn about you?
I've lived all over the United States and have called several different places home over the years. I was born in Kansas and, yes, I even own a pair of ruby slippers! The experiences I've had living in different parts of the country have given me an appreciation for meeting new people and learning about different communities.