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Valorem Financial

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Arvada, CO
Valorem Financial

Guiding our clients with value and trust through life's financial journey.

09/02/2026

Determining what age to begin claiming your Social Security benefit is a big decision. You could start as early as 62 or wait later—up until age 70.

There are a few factors to consider as you make your plan. We break it down for you here: https://www.valoremfinancial.com/insights/blog/when-should-i-start-claiming-social-security/

09/01/2026

One question has a way of changing almost every financial conversation.

"What is your wealth actually for?"

The answer is almost never a number. It's about the life someone wants to build, the people they want to care for, and the opportunities they hope to create.

We've found that once that conversation happens, financial decisions become clearer. Priorities come into focus. The plan starts to reflect the person instead of just the portfolio.

Because before wealth can be managed well, it helps to understand the purpose behind it.

08/31/2026

August is usually considered a weak month for stocks. This year, the S&P 500 is up about 3% with one trading day left.

That matters, because when August was positive and stocks were already up 10% to 17.5% for the year, the final four months gained in 10 of 11 past instances.

It’s a small historical sample, not a forecast. But it’s one reason September’s bad reputation may not tell the whole story this year.

See what the seasonal data is showing heading into fall: https://www.valoremfinancial.com/insights/blog/market-commentary-a-strong-august-sets-stocks-up-for-a-better-september-than-feared/

08/30/2026

Looking for dinner plans tomorrow night? Join us at the corner of Willow Springs Dr, right across from Red Rocks Country Club, starting at 5:30pm for Food Truck Mondays! Enjoy a variety of local food trucks and a great community atmosphere. Be sure to stop by and say hello to Kim while you’re there! We hope to see you! 🚚🍔🌮 See less

08/29/2026

We’re excited to share a few highlights from Wealth Advisor Lujane Hanna’s recent travels through Europe! From the awe-inspiring Cologne Cathedral in Germany, to the peaceful lakes and mountains of Switzerland, and the iconic Louvre Museum in Paris, Lujane’s journey was filled with history, beauty, and inspiration. We’re glad to have her back and look forward to the fresh perspectives she brings to our team!

08/28/2026

Business owners carry a lot.

Employees. Clients. Operations. Growth opportunities. Family responsibilities.

And somewhere in the middle of all that are the decisions that don't have a deadline but still deserve attention.

The ones you know you'll need to address eventually.

We've found that many business owners are looking for the time, space, and perspective to think through what's already on their mind. Our team is here to have those conversations when you are ready.

08/27/2026

At first glance, Social Security sounds simple: claim early or wait.

But that one choice can affect your monthly income for the rest of your life. And if you’re married, your decision could affect your spouse’s benefits, too.

Then add taxes, Medicare, longevity, and other sources of retirement income, and there’s a lot more to consider than just picking an age.

See how Social Security may fit into your bigger retirement picture: https://www.valoremfinancial.com/insights/blog/social-security-benefits-whats-your-game-plan/

08/26/2026

It's hard to believe we're already talking about the second half of the year.

The goals we set in January don't become less important just because life got busy.

This can be a great time to pause, revisit your priorities, and ask yourself a simple question:

Is my plan still aligned with where I want to go?

There's still plenty of time left in the year to make meaningful progress.

08/24/2026

A lot of the headlines around the markets right now are focused on stocks, but there’s another part of the market worth watching: debt.

Debt is becoming a bigger part of the market story—from $40 trillion in U.S. government debt to the growing use of debt to fund the AI boom.

While we believe the summery rally looks likely to continue, it’s a reminder to keep the bigger picture in view.

Get our full analysis on recent market moves: https://www.valoremfinancial.com/insights/blog/market-commentary-debt-takes-center-stage-from-washington-to-the-ai-buildout/

08/23/2026

Sending a child to college comes with a long checklist.

Housing. Tuition. Class schedules. Move-in day.

What often catches parents by surprise is that once a child turns 18, they become a legal adult.

That means parents may no longer have automatic access to certain medical, financial, or educational information, even in situations where they're trying to help.

Most families don't discover this until they're faced with an unexpected situation. Back-to-school season can be a valuable time to review whether important legal documents and authorizations are in place.

Address

7705 Ralston Road
Arvada, CO
80002

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+13033932456

Website

http://www.valoremfinancial.com/

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