Didion Wealth Management

Didion Wealth Management We help families and individuals 45+ answers questions like, “Do I have enough to retire?” and “Will I run out of money?” Member FINRA/SIPC.

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer. www.finra.com www.sipc.org

The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

A rigid retirement plan can break fast.A retirement plan can fall apart quicker than you expect, and I see that happen m...
09/02/2026

A rigid retirement plan can break fast.

A retirement plan can fall apart quicker than you expect, and I see that happen more than it should.

A lot of people build their retirement plan around one straight-line assumption.

They think spending will stay the same.

They think markets will cooperate.

They think taxes will stay manageable.

They think life will stay predictable.

And retirement rarely works that way.

Income needs change.

Healthcare costs show up.

Markets go through rough stretches.

Family priorities shift.

Sometimes the plan looked solid on paper, but it had no room to bend when real life showed up.

That’s where trouble starts.

Because a retirement plan that only works under one set of conditions is fragile.

It’s sensitive

And sensitive plans create stress fast.

What you need is flexibility built into the plan from the beginning.

That can mean planning for different withdrawal options.

Thinking through taxes before retirement matters just as much as during it.

That can mean keeping enough liquidity so every surprise does not force a bad decision.

Retirement planning is something that should be able to adapt when circumstances change.

↳ Market conditions can disappoint
↳ Income sources can change
↳ Priorities can evolve
↳ Expenses can rise

When the plan can adjust, people usually feel more in control.

And when people feel more in control, they are less likely to make reactive decisions that can hurt them over time.

So, when you look at your retirement plan, have you built in enough flexibility for life to do what life usually does?

Has God ever resolved a problem for you and you felt relief?I know I have.A lot.He’s taken care of so many problems that...
09/01/2026

Has God ever resolved a problem for you and you felt relief?

I know I have.

A lot.

He’s taken care of so many problems that I can’t even keep count of them.

And every one felt amazing when he resolved them.

But I was reading in Psalms and had a revelation.

True relief comes not from God resolving a particular problem for us in the moment.

Because more “problems” may ultimately come our way.

That’s life.

True relief comes when we put our complete and total trust in Him.

No matter the circumstances.
No what the world throws at you.

Because when you trust in Him completely everything is already taken care of.

4 years ago I decided to start my own firm.I spend the previous 12 years at a large financial services firm.6 of those y...
08/31/2026

4 years ago I decided to start my own firm.

I spend the previous 12 years at a large financial services firm.

6 of those years I was on the bank side and the other 6 years I was on the wealth management side of things.

I had always thought that I would be at that firm for my entire career.

But around the time I had left things had changed at the firm.

And, probably most importantly, I changed.

I realized that I was tired of the compensation changes.
I was tired of not having control of my client relationships
I was tired of not having control over investment and portfolio construction

I wanted to have more control over how I services my clients and the services I offered.

So I took a leap of faith and started my own firm.

That leap of faith required a few steps back at first

→ Fewer clients
→ Fewer AUM
→ Less Revenue

But those steps back allowed me to eventually take bigger steps forward.

The journey has been unbelievable.

I've learned incredible things about being a founder, business owner, advisor, husband and dad.

I've also had time to reflect on my time at my prior firm.

And as I look back at my time there I'm filled with an immense amount of gratitude for all I learned there, the colleagues I met there and the clients I met there.

I'm truly thankful for my time there.

I wouldn't go back though.

I am laser focused and incredibly excited for what lies ahead with what I'm doing with Didion Wealth Management.

The goal remains the same...

→ Serve more people
→ Serve them well
→ Do good work
→ Develop genuine relationships.

"Don't be misled- Bad company corrupts good character."1 Corinthians 15:33Who you spend your time with matters.A lot act...
08/30/2026

"Don't be misled- Bad company corrupts good character."
1 Corinthians 15:33

Who you spend your time with matters.

A lot actually.

You've heard the saying that "you're the product of the 5 closest people you spend your time with" or something like that.

Well it's true.

You need to be protective of your time and who you let into your circle.

Who you allow yourself to spend time with is actually a very deep, personal thing.

And you need to give your time the value it deserves.

I've seen super talented, driven people stay stuck simply because of the people they surround themselves with day in and day out.

It can literally ruin your future if you let it.

Here's the truth.

One of the best ways you can build wealth, take control of your finances, hit your goals and achieve personal growth is to protect who you spend your time with.

If you are:

→ Ambitious
→ Goal Oriented
→ Want personal growth
→ Have big dreams and big plans

Then don't surround yourself with:

→ People who have no ambition.
→ People who have a negative mindset.
→ People who don't support you or your goals.
→ People who are ok with staying where they're at.

So are you valuing your time and gauring it appropriately?

A signed will can still fail your family.Life isn't staticThings can and will change.And as life changes if you don't re...
08/29/2026

A signed will can still fail your family.

Life isn't static

Things can and will change.

And as life changes if you don't revisit your estate planning documents, like a will you signed 20 years ago, then you might as well not have any estate planning documents.

That signed will from 20 years ago likely isn't relevant for your situation in life today.

Here are 5 life events that should trigger you to revisit your estate planning documents. ↴

𝗬𝗼𝘂 𝗴𝗼𝘁 𝗺𝗮𝗿𝗿𝗶𝗲𝗱

If you're now married it's probably a good time to revisit your will, healthcare directive and power of attorney.

Instead of having your 70 year old mom be your agent it might make more sense to have your new spouse as your agent.

𝗬𝗼𝘂 𝗵𝗮𝘃𝗲 𝗺𝗶𝗻𝗼𝗿 𝗰𝗵𝗶𝗹𝗱𝗿𝗲𝗻

Now that you have little humans running around, they are completely dependent on you.

Probably a good idea to establish guardianship (who would take care of them) for them if something happens to both you and your spouse at the same time.

𝗬𝗼𝘂 𝘀𝘁𝗮𝗿𝘁 𝘁𝗼 𝗮𝗰𝗰𝘂𝗺𝘂𝗹𝗮𝘁𝗲 𝘀𝗼𝗺𝗲 𝗮𝘀𝘀𝗲𝘁𝘀

As your wealth grows you may want to consider how that wealth is distributed to your beneficiaries.

You may have specific wishes on who gets what.

So as you buy real estate, accumulate 401k, IRA and other investment assets, you'll want to revisit your estate plan and see if it aligns with who inherits or benefits from those assets, and the how.

𝗬𝗼𝘂 𝘀𝘁𝗮𝗿𝘁 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀

If you started a business then that can slowly or quickly become one of your family's biggest assets.

You'll want to address what will happen to the business should you pass away.

𝗬𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮 𝗱𝗲𝗮𝘁𝗵 𝗶𝗻 𝘁𝗵𝗲 𝗳𝗮𝗺𝗶𝗹𝘆

A death in the family can be traumatic and painful

At the same time it might require some updates to your plan depending on who passed away.

As a wealth advisor this is actually an area we help clients with, basic estate planning.

I put together a checklist that helps you understand the basic documents you should have to help you determine if you the basic, needed estate planning documents.

Link is in the comments if you want it.

Cost me nearly $100 to fill up my truck.This is by far the most expensive it’s ever been to fill up my truck.This is inf...
08/24/2026

Cost me nearly $100 to fill up my truck.

This is by far the most expensive it’s ever been to fill up my truck.

This is inflation in real life.

Inflation sometimes gets buried and you may not think it’s a real risk to your future income.

But it’s real.

That’s why it’s important to invest.

Don’t have too much idle cash just sitting around doing nothing.

Invest it so it grows (both capital and income) so you can keep up with inflation.

That way filling up your truck won’t break the bank or derail your retirement plans.

Retirement isn't all or nothing anymore. Things have changed.It's not about working for 40 years (maybe at the same job)...
08/22/2026

Retirement isn't all or nothing anymore.
Things have changed.

It's not about working for 40 years (maybe at the same job), then quitting and doing nothing for the next 20-30 years.

Now it's more about getting to a point where you can "work" how you want, when you want and as much or as little as you want.

And it's not really about being able to "work" on your own terms either.

It's about doing something you're passionate about, that still brings in money, on your terms.

It's making work optional rather than necessary to survive.

And it all starts with getting to a point where you have the amount of assets required to meet your needs and wants so you don't have to be desperate for a job just to survive.

A lot of people I work with don't ever "retire" in the traditional sense.

They just want to get to a point where they can leave the rat race and pursue other things.

They don't want to retire to nothing.

"Retirement" just becomes the transition into a new phase of fulfilling your life's purpose

→401k
→Roth IRA
→Brokerage account
→Cash

Saving and investing into these accounts early and often will help you get there.

Are you using these accounts?

08/21/2026

62 year old prospect. $5.5 million saved in retirement accounts. He was a DIYer and didn't realize he was neglecting his wife.

This guy was an engineer by trade.

So he was a bright guy.

Very detailed.
Very analytical.
And very smart.

I remember when he was referred to me for retirement planning.

He had about $4 million in retirement accounts and then another $1.5 million or so in cash in the bank.

At first, we had a good conversation about the economy, the markets, what he thought was going to happen, what I thought was going to happen.

But it just stayed there and we never really got to the part about retirement planning.

→ What they value.
→ What goals they have.
→ How does he want to protect his wife?
→ What sources of income do they have?

He just wanted to keep talking about how much he knew about the market.

He just wanted to keep talking about how he did a great job accumaulting multiple millions (which he did do a good job).

He just wanted to talk about how he thinks he can do better in the market and doesn't want to pay a fee.

Blah, blah, blah.

I was honestly curious why he even came to meet with me.

But what he wasn't thinking about was his wife.

What's she going to do if he passes away before her?

Now she's left with all the money.

Does she have any interest in managing it on her own the way he did?
Does she feel comfortable doing that if she had to?
Would she feel better if there was some sort of plan in place for the money?

Chances are she wasn't going to want to manage the money they way he did.

And if/when he passes away before her, she'll be lost.

She'll have lots of money (maybe), but she'll be lost.

She would benefit from having an established relationship with someone she already trusts and that she can go to in confidence if/when her husband passes away.

Having a plan in place for retirement and the investments would allow her to not skip a beat.

It would allow her not to worry.

Compare that to being a deer in headlights while she's grieving her husband that just passed away.

Here's the takeaway ↴

Even if you've DIYed your investments, at some point it's worth establishing a relationship with an advisor that you trust.

Not only so you can actually enjoy retirement but more so, so that your surviving spouse, who didn't DIY, is taken care of.

Estate planning protects people before assets.I see too many families assume estate planning starts with money.It doesn'...
08/19/2026

Estate planning protects people before assets.

I see too many families assume estate planning starts with money.

It doesn't.

It starts with people.

With the spouse who needs access to accounts.
With the child who may need a guardian.
With the parent who could face a medical emergency.
With the family member who would be left making hard decisions under stress.

Documents matter because life gets messy.

→ A will matters.
→ Powers of attorney matter.
→ Healthcare directives matter.
→ Beneficiary designations matter.

And when those pieces are missing, the burden usually lands on the people you care about most.

-Your spouse
-Your kids
-Your extended family

A lot of people put estate planning off because they assume it's only for the ultra wealthy or for later in life.

But if someone depends on you, loves you, or would have to step in for you, this planning matters now.

Good estate planning gives people direction when emotions are high and time is limited.

It can help your family know who is in charge, what your wishes are, and how to move forward without unnecessary friction.

That kind of preparation does more than organize your affairs.

It helps protect the people around you at a time when they should be grieving.

Not having to worry about making important decisions they're unprepared to make.

I've put together a quick estate planning checklist to use so you can see if you have the essentials already in place.

DM me "Estate Planning" if you want it and I'll send it over.

Address

2139 Chuckwagon Road Suite 205
Colorado Springs, CO
80919

Telephone

+17194450337

Website

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