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Providing Experienced Financial Planning In Colorado Since 2000.
Through Our Donation Program, We Have Donated Over $300,000 to Schools, Churches, and Other Colorado-Based Organizations

Complete Spectrum Financial Services provides independent financial and retirement planning services in Colorado, including Social Security maximization, guaranteed lifetime income, tax reduction, and market risk strategies. Our personalized approach helps individuals and families plan with confidence through every stage of life.

Retirement Planning
Social Security Maximization
Tax planning Strategies
Inheritance Planning

Inheritance & Estate Administration

Guaranteed Interest Accounts

Guaranteed Interest Earning Accounts

Guaranteed Life-time Income
College Planning
401(K) or Retirement Plan Rollovers
Medicare Planning
Life Insurance

Life Insurance

Long Term Care

Long Term Care Planning

Investment Advisory Services

Frequently Asked Questions About Retirement Planning

What does independent financial planning mean? Independent financial planning means recommendations are based on your goals and needs, not tied to a single product or provider. This allows for more flexibility and objectivity when building a retirement strategy.

How do you help clients manage market risk in retirement? We focus on strategies designed to reduce exposure to market volatility while helping clients create reliable income and long-term financial stability.

Do you help with Social Security planning? Yes. We help clients understand their Social Security options and develop strategies to maximize benefits based on their individual situation.

Who do you typically work with? We work with individuals and families who want a clear, personalized approach to retirement planning and long-term financial confidence.

The purpose of this website is to provide you with general information. You can learn more about our company by scheduling an individual consultation. Complete Spectrum Financial Services, LLC., is licensed to sell insurance products. All guarantees are subject to the issuing insurance company's claims-paying ability. Before purchasing any products or making any changes to your finances, you should obtain competent investment and tax advice. Complete Spectrum Financial Services, LLC. has independent representatives, also known as affiliated agents, who have no legal or equitable interest in the company and are not indemnified by Complete Spectrum Financial Services, LLC. Any promises, whether implied or expressed by these affiliated agents, are not guaranteed by Complete Spectrum Financial Services, LLC. Complete Spectrum Financial Services, LLC’s main office is located at 7990 W Alameda Ave. Lakewood, CO 80226. The main office phone number is 303.922.4309.

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