Justin Pritchard, CFP®, PPC® Approach Financial, Inc.
- 236 South 3rd St PMB 216, Montrose, CO 81401
- https://www.approachfp.com/
About Justin Pritchard, CFP®, PPC®, MBA, RMA®
Let’s get things done so you can move on to the more important things in life. Whether you prefer to spend time with loved ones, get outdoors, or do anything else, completing those necessary financial tasks makes it easier. With over 15 years of experience helping clients, I can help you sort out what’s important and what’s just noise.
Get clarity on when you can retire and how things might unfold. We’ll review your resources (like Social Security or pension income along with retirement assets) and evaluate your ability to pay expenses. Meanwhile, we estimate taxes, investment returns, the impact of inflation, and other factors. And we can run various what-if scenarios to take an optimistic or pessimistic view—or just explore possibilities.
With that information, you can make informed decisions. Can you retire early? Does it make sense to pursue strategies like Roth IRA conversions? Are annuities worth looking at, and should you keep the products somebody else sold you?
When it comes to investing, I favor a relatively simple approach. Portfolios and recommendations are primarily index-based, consisting of mutual funds or ETFs. I do not receive any commissions for selling products, and I’m not a fan of active trading or picking individual stocks.
How do we work together? It’s your choice: Do it yourself, or have me handle your investments—you are not required to transfer assets or invest any minimum amount.
Options include hourly engagements, flat-fee or one-time project work, asset management, and other arrangements. You can choose a model that meets your needs and feels right for you.
Also, if you run a business or nonprofit, I’ve worked with numerous workplace retirement plans, such as 401(k) plans. I’m available for everything from plan consulting and setup to ongoing service, participant education, and financial wellness. That means I’ll educate your employees—the people who save in those plans—as they work toward their goals. For retirement plans, small businesses and self-employed entrepreneurs are my sweet spot. Whether you go with a SIMPLE, a 401(k), a defined benefit plan, or payroll-deduction IRA, we can explore the pros and cons.
I earned an MBA and MSIS from the University of Colorado in 2003 and became a CERTIFIED FINANCIAL PLANNER™ professional in 2010. I first got licensed with a financial firm in 2000. I’ve also written about personal finance, loans, insurance, retirement, early retirement, and more for the past 15+ years—I enjoy staying up to date on new developments.
Let’s talk!
Read articles about retirement planning and learn more here: https://www.approachfp.com/
Recently Published
Roth 401(k) vs. Traditional 401(k)
March 31, 2023Your retirement plan might have several options, and one of the options involves choosing between Roth 401(k) vs. traditional 401(k) contributions. This can be a really big deal. Not only will it affect how you pay taxes today and in retirement, but it can also impact healthcare costs and Social Security taxation in retirement. Fortunately, […]
The post Roth 401(k) vs. Traditional 401(k) appeared first on Approach Financial.
How to Pay for Long-Term Care
March 11, 2023Long-term care (LTC) is one of the biggest unknowns in retirement planning. You can’t know whether or not you’ll face costs related to nursing home care or dementia. And if the need arises, you can’t predict how much you’ll spend or how long you’ll need care. Still, it’s wise to plan for the worst, even […]
The post How to Pay for Long-Term Care appeared first on Approach Financial.
Do These Retirement Rules of Thumb Actually Work?
March 3, 2023By Justin Pritchard, CFP® It can be tempting to do things the easy way. That’s understandable—there are only 24 hours in a day, and sometimes you just want to know what time it is without knowing exactly how a clock is built. When it comes to retirement, you might have questions about some important topics. How […]
The post Do These Retirement Rules of Thumb Actually Work? appeared first on Approach Financial.
Disclosure
The annual XYPN membership fee paid by this firm is in consideration of a variety of services and benefits provided by XYPN to its advisor members - including the ability to be listed in this Directory. For a complete description of current XYPN member benefits, please refer to the Membership Benefits section of this website. For current membership pricing, please refer to the Pricing section.
XYPN, due to the compensation it receives from advisors in the form of the annual membership fee, has an incentive to list only these such advisors in the Directory. This creates a material conflict of interest.
Ideal Clients
- Baby Boomers
- Business Owners
- Gen X
- Retirement Planning
Ways Advisor Charges
- Flat Fee
- Hourly
- Assets Under Management
Fee Options
- Flat fee: $500+/project
- Hourly fee: $375+/hr
- Assets Under Management: 0.75%+
SEC Records
Disclosure
The annual XYPN membership fee paid by this firm is in consideration of a variety of services and benefits provided by XYPN to its advisor members - including the ability to be listed in this Directory. For a complete description of current XYPN member benefits, please refer to the Membership Benefits section of this website. For current membership pricing, please refer to the Pricing section.
XYPN, due to the compensation it receives from advisors in the form of the annual membership fee, has an incentive to list only these such advisors in the Directory. This creates a material conflict of interest.
