Financial Planning for Small-Business Owners and Employees with Equity Compensation

Financial Planning Firm Located in Colorado Springs Serving Clients Nationwide

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About Paul

Paul's journey has been fueled by a deep-seated passion for helping self-employed and mid-career professionals manifest their ideal lives by unraveling the intricacies of financial planning.

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Our Approach

Whether you are a self-employed solopreneur, a small business owner, or tech professional with equity compensation, we believe financial planning is vital in working towards your goals.

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Schedule a Call

Schedule a complimentary call! Carriere Financial Planning is a virtual, fee-only investment advisory firm located in Colorado Springs.

Our Services

Financial Planning

We use a consultative fiduciary approach to create a financial plan that aims to meet your objectives.

Investment Management

As a Fiduciary we aim to help create and preserve your wealth using high-quality, low-cost investments, so you reach your financial goals.

Tax Planning

--Tax Return Review --IRA Contributions and Roth Conversions --Review of Cost Basis --Review Realized Gains --Tax Loss Harvesting --Health Savings and Flexible Spending Accounts --Tax Sensitive Investing

Self-Employed & Small Business Retirement Plans

The creation of the SEP IRA, SIMPLE IRA or Solo 401k affords smaller businesses and solopreneurs a way to offer themselves and/or their employees a retirement plan.

Our Process

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1. Introductory Meeting

In our first meeting, we’ll identify your goals, priorities, preferences, and any obstacles you may have. We’ll also mutually establish what your expectations are for us, and if an ongoing partnership is the right fit.

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2. Exploration & Preliminary Planning

After our first meeting, we’ll take a deeper dive into your situation. As we have a more detailed conversation about your personal and financial goals, we’ll start sketching a preliminary plan. The more open and transparent this phase is, the more detailed our plan will be.

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3. Detailed Planning

Now that we have a foundation, we can deliver an easy-to-follow roadmap that will guide you towards your financial goals. This plan will address the areas that are most important to you, and outline the steps needed to conquer potential obstacles. Your plan will also aim to gain maximum returns via a solid, tax-efficient portfolio.

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4. Ongoing Support & Advice

Life is constantly changing, and your goals will too. When new priorities lead you towards different approaches to wealth management and savings, we’ll be here to adapt your plan so it transitions along with you.

FAQ'S

DO I NEED TO CONTACT YOU PRIOR TO SETTING UP AN INITIAL MEETING?

No - all you need to do is head to my schedule page and set a time you would like to meet. It's that easy.

DO YOU HAVE AN ACCOUNT MINIMUM?

No - I do not have an account minimum. I want to encourage people to get started with investing even if they only have $100 to start with. I created Carriere Financial Planning to help as many people as possible, and having an account minimum requirement goes directly against my mission.

HOW DO YOU APPROACH WORKING WITH CLIENTS?

My approach with clients is that you are having a once in a lifetime experience. No one else has ever experienced what you have. So your financial plan should reflect that and be a customized solution only for you. I have a hands on approach and want to make sure my clients understand their plan, the course of action, and what the expected results should be.

WHAT IS A CFP® PROFESSIONAL?

Certified Financial Planner (CFP) is a formal recognition of expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement. Owned and awarded by the Certified Financial Planner Board of Standards, Inc., the designation is awarded to individuals who successfully complete the CFP Board's initial exams, then continue ongoing annual education programs to sustain their skills and certification.

WHO WOULD NOT BE A GOOD FIT?

If you are not ready to get serious about your personal finances, you will not be a good fit. I will not be able to serve you the way my clients deserve and expect to be served.

ARE YOU A FIDUCIARY?

Yes. I am legally held to a fiduciary standard and have taken a number of fiduciary oaths.

DO YOU MANAGE INVESTMENTS?

Yes, I do manage investments for clients. I specialize in helping people with equity compensation packages as well. You can find more information on my services page.

WHAT DOES "FEE-ONLY" MEAN?

A fee-only financial advisor is paid directly by clients for their services, be it a flat fee, hourly rate or a percentage of assets under management. A fee-only financial advisor can never be paid on a commission from selling an insurance or financial product. In my opinion, being a fee-only financial advisor is the best way to align my clients interests with my own - thus reducing potential conflicts of interest or issues with fiduciary responsibility.

DO YOU HELP ANYONE OUTSIDE THE COLORADO SPRINGS AREA?

Yes, I currently serve clients in several states with no current limitations. 

WHAT IS A FIDUCIARY AND FIDUCIARY STANDARD?

A fiduciary is a person or organization that acts on behalf of another person or persons to manage assets. Essentially, a fiduciary owes to that other entity the duties of good faith and trust. The highest legal duty of one party to another, being a fiduciary requires being bound ethically to act in the other's best interests.

The fiduciary standard of care requires that a financial advisor act solely in the client’s best interest when offering personalized financial advice.

THIS ALL SOUNDS GREAT, WHAT IS THE FIRST STEP?

If this sounds like something you may be interested in, I welcome you to schedule an introductory meeting on my scheduling page. There you'll be able to pick a time that is convenient for you. Once scheduled, that will start the process.

AM I REQUIRED TO MEET WITH YOU IN PERSON?

No - I do mostly virtual meetings and have found it is preferable to both clients and myself as meetings are much more productive and efficient! I utilize ZOOM for virtual meetings and I am available to take or return your phone call.

DO I HAVE TO PAY FOR AN INTRODUCTARY MEETING?

No - all first-time meetings are completely complimentary and there is no obligation.

WHO IS YOUR TYPICAL CLIENT?

I work mostly with young professionals (Millennial and Generation X), business owners entrepreneurs and freelancers. 

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Visit us at our new office location:

1755 Telstar Dr.
Suite 300
Colorado Springs, CO
80920