Didion Wealth Management

Home
United States
Colorado Springs, CO
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.

07/14/2026

I had a client tell me something that crushed me.
And it had nothing to do with money.

I won't go into details but they are not doing well spiritually.

They're going through a hard time.

A few thoughts entered my mind when they told me that. ↴

→ First, I was humbeld that they were comfortable sharing that and being vulnerabel with me.

→ Second, my heart was crushed that they were going through what they were going through.

I like to have deep relationships with my clients and I mean it.

It goes beyond money for me.

I realize that my clients are human beings with feelins, emotions and a spirit.

I realize that they will go through some tough things in this life that go beyond the numbers.

This type of situiton is unfortunately not one that any kind of financial or retirement planning can solve.

Only being there as an ear to listen, a heart to understand and a shoulder to lean on spiritually might be able to help.

As an advisor we often obesses over the numbers, over the investments, over the plan.

But we can't forget that we serve people.

And we can help serve people in ways that are more important than any retirement plan we can out together for someone.

07/13/2026

Client needed some capital and didn't want to trigger a single dollar in taxes.
Here's what we did.

→ A margin loan.

A margin loan lets you borrow against your investments in your brokerage account.

And it's a simple process compared to other formsa of borrowing like HELOCs and personal loans.

-no credit check
-no income verification
-funds available in a day or so

Margin allows you to stay invested while giving you access to capital in the short term without realizng taxable gains.

This keeps your taxes lower and your investments working for you.

Margin does have its risks though, like all lending.

If the market drops substantially it can create a margin call which is where you essentially have to pay back some of the loan immediately or risk having your investments sold off to cover the loan balance.

And margin interest rates tend to be higher

That being said for this client it made sense.

And having it as an option to access needed capital makes it a valuable planning tool.

Have you used margin before?

07/12/2026

Sunday Morning Scripture:

"My child, pay attention to whay I say, Listen carefully to my words.
Don't lose sight of them. Let them pe*****te deep into your heart,
for they bring life to those who find them,
and healing for their whole body."

Proverbs 4:20-22

Proverbs has long been one of my favorite books of the Bible.

Inspired by God and written by King Soloman, it is filled with practical advice on how to live a long, prosperous and purposeful life.

This Scripture hit me hard while I was reading this morning.

The Lord is telling is to listen carefully to what He says. Let His words go deep into our being, our heart. Becuase His words literally bring life and healing to us.

Such a powerful piece of Scripture.
Such a powerful piece of advice.

Who doesn't want life?
Who doesn't want healing?

I try and read the Bible everyday.

Do I do it everyday?

No.

But I do read it most days.

I want to be constantly filled with His word, His promises and His wisdom.

Because we can be easily filled with negativity, lies and bas advice througout the day.

Being grounded in His word helps me overcome that.

What Scripture are you reading today?

07/07/2026

Most savers are leaving serious flexibility and freedom sitting on the table.

I see people spend so much time focusing only on retirement accounts that they overlook one of the most flexible tools available.

The taxable brokerage account.

Overlooking this account can be a huge mistake.

This account gives you options that a lot of other accounts simply don't.

→ You can access the money whenever you want
→ You can invest in almost anything you want
→ No contribution limits
→ No income limits

That kind of flexibility is a game changer.

It matters when your income changes.
It matters when you want to save beyond workplace plans or IRAs.
It matters when you want money available before your 60s.
It matters when life doesn't follow a perfect timeline.

This account doesn't replace your 401k or IRA.

It compliments them.

It can give you another bucket of money to use when you need options.

And options and flexibility matter in financial planning.

The more flexibility you have, the more ways you have to adapt, create income, and pursue growth over time.

Too many people either treat this account like an afterthought or don't know it exists.

But this account is a game changer.

More access.
More flexibility.
More potential to build wealth on your terms.

Don't sleep on this account.

07/04/2026

America's the best and it's not even close.

It's color, not colour
It's trash, not rubbage
It's a trash can, not a bin
It's theater, not theatre
Football is better than soccer, like way better
Taxes are lame
Steak and eggs are better than fish and chips

Happy 4th of July everyone.

Enjoy your time relaxing and celebrating with friends and family.

07/03/2026

Your financial plan falls apart if it can't bend when life changes.

You can be saving consistently.
You can have a solid retirement strategy.
You can be doing all the right things for years.

But life doesn't always stick to the script.

A job change.
A health issue.
A family need.
An unexpected opportunity.

Any one of these can force you to make adjustments.

And that doesn't mean your plan failed.

It means your plan needs room to adapt without throwing everything off course.

Too many people treat their finances like a fixed set of instructions.

Set it up once.
Put it on autopilot.
Assume it'll work forever.

That sounds nice, but real life rarely works that way.

Being flexible with your money can look like this:

Keeping a healthy cash reserve
Adjusting savings when income changes
Revisiting retirement timelines
Changing investment strategies when circumstances change

Being nimble doesn't mean being reckless.

It doesn't mean changing direction every time the headlines get loud.

It means being willing to make smart, thoughtful moves when life requires it.

Good financial planning should give you structure, but also enough breathing room to handle the unexpected.

Because when life throws a curveball, you don't want to panic.

06/24/2026

The easiest way to get wealthy is to do the painfully simple things really well over and over.

-Don't spend money on stupid things
-Don't spend money on things you can't afford
-Don't get into credit card debt
-Save into your 401k up to the match
-Add money to your IRA and invest it
-Add money to a brokerage account and invest it
-Don't care what other people think
-Do what you say you're going to do
-Have goals and work to achieve them
-Don't mindlessly spend

If these seem simple it's because they are.

Commit to these and watch what happens.

06/20/2026

A lot of people want to do big things but aren't doing the little things right.

I've been an advisor for a long time I still people not doing their company 401k.

And I'm not saying you have to max out your 401k every year, I get it if you want to use some of your money for other opportunities.

But at least contribute up to the company match.

If your company matches you dollar for dollar up to 6%, then at least contribute 6% into your 401k.

If you don't, you're literally giving up free money.

Why would you pass on free money?

You make $300k per year
Your company matches up to 6% in the 401k
You contribute 6% of your salary.

That's $36k going into your 401k every year.
It grows 6% on average every year.
In 10 years it's worth nearly $475k.

Doing the company 401k is such a small and simple yet powerful way to accumulate some wealth.

Don't skip it.

06/19/2026

The 3 mistakes I see people keep making preventing them from hitting their retirement goals.

1) Thinking that it's so far off they don't have to start planning for it yet. ↴

Time isn't an abundant resource.

We don't have as much time as we think.

Time will also go by faster than you think.

Procrastinating when ti comes to planning for the future and your retirement is a mistake because it easts time.

When it comes to saving and investing and building for the future, the more time you have on your side the better.

Having more time will allow you to:

take on more risk.
make some mistakes and still recover.
Let your investments compound and grow more.

2) Keeping up with the Joneses ↴

Trying to portray an image or live a lifestyle just to impress other people is a losing battle.

You'll spend more money and take on more debt than you should.

You'll lose focus on the things that matter.

Instead of saving, investing and building for the future you'll end up wasting time and money for all the wrong reasons.

3) Not having any plan ↴

Having a plan has almost because a buzzword.

It's almost lost all meaning.

But a plan is important.

You need to have given your retirement some thought and have an idea of...

-When you can retire.
-How much you can spend.
-Do you have enough.
-Will you run out of money.

Being able to answer these questions takes some planning and if you can answer them then you will have a much higher chance of success at hitting your goals.

So, start planning early, don't try and keep up with the Joneses and have a plan.

If you can do these 3 things you are doing better than most.

06/18/2026

Your finances are rarely static. Your plan shouldn't be either.

Life will throw you lots of curve balls.

-Kids
-New jobs
-New businesses

It's a guarantee that things will change in your life.

And that means your finances will change too.

That's why you can't make a plan with your money one time, think you're good and then set it and forget it.

When things change you need to make adjustments financially.

You need to be nimble.
You need to be flexible.
You need to be able to adapt.

And this is all good and all ok as long as you don't get paralyzed with inaction.

As change comes, change with it.

-Savings rates will fluctuate
-Debt may fluctuate
-Investment strategy may change
-Goals change
-Priorities change

Embrace the change and roll with it.

Address

2139 Chuckwagon Road Suite 205
Colorado Springs, CO
80919

Telephone

+17194450337

Website

http://didionwealthmanagement.com/

Alerts

Be the first to know and let us send you an email when Didion Wealth Management posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Didion Wealth Management: