Financial Planner in Monument, CO
Serving Colorado’s Tri-Lakes area since 2002.
Independent retirement planning from our downtown Monument office.
We help Monument-area individuals and families build actively managed retirement income strategies designed to last a lifetime, so you can spend less time worrying about running out of money.
Our retirement investing core principles include:
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Prudent & timely advice
Providing prudent and timely advice tailored to your unique financial situation.
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Personalized strategy
Reviewing and managing your personalized strategy to adapt to changing markets.
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Simplified decisions
Simplifying your investment decisions with clearer, actionable guidance.
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Accountability & guidance
Delivering accountability and guidance for each step of your retirement planning process.
Your neighbors in Monument since 2002
Our office sits on North Washington Street in downtown Monument, and we’ve spent more than two decades helping families across the Tri-Lakes region plan for retirement. Whether you live in Monument, Woodmoor, Palmer Lake, Gleneagle, or northern Colorado Springs, you can sit down with us in person, face to face, to talk through your plan.
Local doesn’t mean limited. Through our relationship with Raymond James, we pair small-town, personal service with institutional-quality investment strategies and resources.
Our retirement investing core principles include:
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Retirement planning
Build a comprehensive retirement strategy.
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Managed assets
Professional portfolio management.
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Tax-advantaged investing
Minimize tax impact on investments.
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Life insurance
Protect your legacy.
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Long-term care
Plan for healthcare needs.
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529 plans for college investment
Invest in your children’s education.
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Certified divorce financial analyst
Navigate financial transitions.
Retirement planning is personal, and so are our meetings.
Whether you’re years away from retiring or already there, the first step is simply a conversation. Stop by our Monument office and let’s talk about where you are and where you want to be.
Frequently Asked Questions
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Yes. We meet with clients at our office at 236 N. Washington Street in downtown Monument. We also offer phone and virtual meetings for clients who prefer them or who live outside the Tri-Lakes area.
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While many of our clients live in Monument and the surrounding Tri-Lakes communities, we work with clients throughout Colorado and in other states where our advisors are properly registered.
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Colorado has its own rules for how retirement income, including pensions, annuities, Social Security, and certain military retirement benefits, is treated for state income tax purposes. We take these into account as part of your overall plan and coordinate with your tax professional, since Raymond James and its advisors do not offer tax advice.
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A financial advisor helps people make informed decisions about their money, including retirement planning, investments, budgeting, tax strategy, insurance, estate planning, and major life transitions. Someone should consider working with a financial advisor when they need a clearer plan, are preparing for retirement, have inherited money, are going through divorce, are selling a business, or simply want professional guidance to help align their financial decisions with long-term goals.
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Financial planning focuses on the big picture—goals, cash flow, retirement planning, risk management, and long-term strategy. Investment management focuses specifically on building and managing an investment portfolio. While investment management is an important part of the process, financial planning provides the broader framework that guides those investment decisions.
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When planning for retirement, individuals should consider their desired lifestyle, income needs, savings rate, investment strategy, tax implications, healthcare costs, and potential risks. Retirement planning is not just about reaching a number—it’s about creating a sustainable plan that supports long-term financial independence.
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Personalized financial planning aligns financial decisions with individual goals, values, and life circumstances. By creating a customized strategy, individuals and families gain clarity, direction, and flexibility as their needs evolve. This personalized approach helps reduce uncertainty and supports consistent progress toward long-term goals.
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meeting with a financial advisor?
During an initial meeting with a financial advisor, clients can expect a conversation focused on understanding their goals, concerns, and financial situation. This meeting typically includes discussing priorities, answering questions, and outlining how financial planning and investment management may help. There is no obligation—just an opportunity to explore whether the relationship is a good fit.
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AI can help explain financial concepts and generate general retirement planning ideas, but it should not replace personalized investment advice. Current AI models may reflect common investment biases, including a tendency to favor popular stocks, recent trends, and strategies that may not fit your risk tolerance, tax situation, time horizon, or retirement income needs. At Lang Investment Services, retirement portfolio management is based on your personal financial picture, not a generalized model trained on what everyone else is doing.
*We primarily offer fee-based advisory services charging a flat fee based on a client's total assets under advisement. However, if deemed appropriate and in our client's best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients.
In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.
Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Tax-loss harvesting can have unintended tax consequences and there may be higher fees or costs associated with a replacement security or stock position. There is no guarantee that a favorable tax outcome will be achieved.