SF Financial Services

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SF Financial Services SF Financial Services was founded in 2005 with an emphasis on retirees and those nearing retirement.

We, at SF Financial Services, provide our clients with comprehensive financial planning services. We aim to preserve, generate and transfer the wealth of our clients to future generations via, conservative and ever-evolving financial management tools and techniques. Building a solid retirement is one of the greatest efforts people undertake in life, and we want each of our clients to enjoy their retirement years. Disclosure:
Investment advisory services offered through Brookstone Wealth Advisors, LLC (BWA), a registered investment advisor and an affiliate of Brookstone Capital Management, LLC. BWA and SF Financial Services are independent of each other. Insurance products and services are not offered through BWA but are offered and sold through individually licensed and appointed agents.

Give with confidence. Protect the retirement you've worked for.Helping your children and grandchildren can be deeply rew...
10/25/2026

Give with confidence. Protect the retirement you've worked for.
Helping your children and grandchildren can be deeply rewarding. The key is understanding what you can give without compromising the financial resources you'll need later.

This week's Retire Financially Fit episode explores how to approach family gifts thoughtfully:
• Know what's already spoken for in your retirement plan.
• Understand the potential tax implications of where the money comes from.
• Agree on the amount and purpose of the gift.
• Consider how your needs could change over time.

As Barbara Swiatek explains, the goal isn't necessarily to give more or give less. It's to make the decision on purpose.
Before writing that check, ask yourself: If we needed this money back in 10 years, where would it come from?

Listen to “The Check You Write Tomorrow” and take the time to understand your options.
tinyurl.com/listen-on-spreaker

10/23/2026

A generous gift can make a meaningful difference in your child's life. But how do you know whether that money is truly available to give?
Barbara Swiatek explains the difference between what your retirement needs and what may genuinely be extra.
Before making a major gift, ask yourself: If we needed this money back in 10 years, where would it come from?

Watch the full episode of Retire Financially Fit: “The Check You Write Tomorrow.”

10/21/2026

✔️ Before the check is written, draw the line.

Helping children and grandchildren financially can be one of the most rewarding things you do with your money. But retirement brings an important consideration: the money you give may also be the money you need to support yourself for the years ahead.

In this week's episode of Retire Financially Fit, Barbara Swiatek explains why it's important to distinguish between money that is already committed to your retirement and money that is genuinely available to give.
Consider three questions before making a significant gift:
• What was this money intended to cover?
• Can we maintain our retirement lifestyle without it?
• If we needed additional help or care later, where would the money come from?
The goal isn't to discourage generosity. It's to make informed decisions so you can give with greater confidence.

Listen to “The Check You Write Tomorrow.”
tinyurl.com/listen-on-spreaker

10/19/2026

You want to help your children. But before you write that check, there's one important question to ask.
Is the money truly extra, or does it already have a job in your retirement plan?

In this week's episode of Retire Financially Fit, Barbara Swiatek explains why knowing the difference matters before making a significant financial gift. Because helping your family should not mean putting your own financial future at risk.

Listen to “The Check You Write Tomorrow.”
tinyurl.com/listen-on-spreaker

Retirement can look very different to two people who have been married for decades.One may be thinking about traveling w...
10/18/2026

Retirement can look very different to two people who have been married for decades.

One may be thinking about traveling while they still can.

The other may be thinking about leaving something to the children.

Neither answer is wrong.

But they don't cost the same.

10/16/2026

Not everyone reaches retirement worried about running out of money.

Some people have plenty, but once the paycheck stops, spending suddenly feels different.

Barbara's point isn't to spend recklessly. It's to ask what you're actually being careful for.

If there's a reason behind the caution, that's a decision. If you're simply afraid to use the money, that may be something worth looking at.

📞 Call 800-883-1518 to ask about a complimentary Discovery Call.

10/14/2026

Rhoda had the same advisor for 19 years. Then he retired, and she was assigned to someone she'd never met.

She felt like she should just go along with it, but something about it bothered her.

Barbara explains why that feeling isn't unreasonable. A new advisor may be excellent, but 19 years of trust and familiarity don't automatically transfer just because the folder does.

📞 Call 800-883-1518 to ask about a complimentary Discovery Call.

10/12/2026

Cecil and his wife waited 13 years to take their trip to Ireland.

It cost about $9,000 more than they planned, and afterward, Cecil wondered if spending that much at 74 was foolish.

Sometimes retirement spending isn't about whether you were allowed to enjoy something. It's about knowing whether your plan can support the life you want to live.

📞 Call 800-883-1518 to ask about a complimentary Discovery Call.

A retirement plan can look fine on paper and still not answer one important question:How long does the money actually ne...
10/11/2026

A retirement plan can look fine on paper and still not answer one important question:

How long does the money actually need to last?

For some people, the plan was built around an age they never consciously chose.

Maybe it was based on family history.
Maybe it was based on an average.
Maybe nobody ever asked.

But if you're still here at 94, the question isn't whether you expected to live that long.

It's whether your plan still works.

That's worth finding out before you need the answer.

📞 Call 800-883-1518 to ask about a complimentary Discovery Call.

10/09/2026

Being careful with your money can feel responsible.

But if you don't know what you're trying to accomplish, how much is enough, or when you can stop, you may be giving things up without knowing whether you needed to.

The goal isn't simply to be more careful. It's to know what you're being careful for.

📞 Call 800-883-1518 to ask about a complimentary Discovery Call.

Address

1870 Dublin Boulevard
Colorado Springs, CO
80918

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 2pm

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