

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.




Inheritance & Estate Administration

Guaranteed Interest Earning Accounts





Life Insurance

Long Term Care Planning

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.