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Hartmann CFO, LLC

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Denver, CO
Hartmann CFO, LLC

Have you ever experienced that exhilarating "ah-ha" moment? The moment where all your aspirations culminate into a life-changing realization?

I've been on a journey, evolving from a seasoned CPA to becoming a trusted Personal CFO for high-net-worth business owners and real estate investors. My career kick-started at PricewaterhouseCoopers ("PwC") as an auditor, where I developed a knack for unveiling hidden financial discrepancies within complex statements. Despite leaving public accounting to work for a family office, the auditor in me

remained intact over the vast expanse of my career. In addition, I've fortified my resources and expertise, seamlessly merging my roles as a personal CFO and an auditor to better serve my clients. While at the family office, I mastered my skills in investment management for private funds, overseeing investor allocations and reporting while also calculating performance for funds and the company, ensuring compliance with industry standards. I continued to refine my skills, focusing on creating complex financial models for real estate investment funds and addressing diverse client needs, from accounting to insurance. The turning point arrived when I realized the power of providing comprehensive, flat-fee financial plans that encompassed all facets of clients' financial lives, not just retirement accounts. My keen eye for detail, problem-solving prowess, dedication to thorough analysis, and commitment to client advocacy converged into a passion for offering Personal CFO services. Let's collaborate and unleash your financial potential. Reach out to schedule a call and discover how I can simplify the complexities of personal finance management for you.

02/27/2024

🔔 Attention savvy investors! 📈💼 Curious about the impact of interest rate hikes and inflation on your financial landscape? 💰💡 Dive into our latest blog for expert insights: www.h-cfo.com/post/how-do-interest-rate-hikes-impact-you

💻📰 Discover strategies to navigate market fluctuations and seize opportunities in a shifting economy. Don't miss out—empower your financial future today!

It was one year ago that the target range for the federal funds rate was between 0% to 0.25%. And now we are experiencing the highest level of price inflation in 40 years. The target range for the federal funds rate is currently between 4.25% to 4.5%. Well, your savings rate went up again, which is....

02/20/2024

Seeking valuable insights on navigating economic uncertainties? 📈💡 Check out our latest blog: "Do you need to be concerned about a recession?" 📰💼 Gain clarity on market dynamics, investment strategies, and retirement planning amidst economic turbulence. 💰💭 Don't miss out! Read now and take charge of your financial future. https://www.h-cfo.com/post/do-you-need-to-be-concerned-about-a-recession

It is not easy to look at your investments right now… The continual decline in the valuation of your investments is hard to watch, especially if you are approaching or in retirement. Isn’t it interesting that I referenced those approaching or in retirement? Everyone seems concerned no matter the...

02/13/2024

Our blog offers carefully curated, hands-on, and actionable financial advice designed for individuals deeply engaged in financial planning or seeking valuable insights. 🛢️ Unveiling the Retirement Bucket Plan! Ever wondered what these buckets are all about in retirement planning? We've broken it down for you. Our latest blog explores everything from covering immediate needs to long-term security and even diving into investment allocation. Ready to optimize your retirement strategy? Please read our blog https://www.h-cfo.com/post/what-do-buckets-have-to-do-with-retirement for valuable insights and actionable steps! 💰✨ 📊

I keep reading about the bucket plan with respect to retirement. What exactly do they mean by the bucket plan? Really, you could have a lot of buckets and then get confused over the number of buckets and what and how much to put in each bucket. Let’s break down some of the buckets you may need to ...

02/06/2024

Our blog provides meticulously curated, practical, and actionable financial guidance, tailored for individuals immersed in financial planning or in need of valuable insights. 🔍 Exploring the Future: Will Social Security Go Bankrupt? 💸 About 40% of retirees rely solely on Social Security, but is the program on the brink of bankruptcy? 📉 According to the latest report from the Social Security Administration, projections indicate potential depletion by 2035. While it's not an immediate crisis, changes are looming. 💼 Lawmakers are urged to address trust fund shortfalls gradually. Dive into the details and understand what it means for your retirement benefits. Read our blog https://www.h-cfo.com/post/will-social-security-go-bankrupt and stay informed to plan wisely! 💡 📊✨

About 40% of people eligible for Social Security rely exclusively on Social Security for retirement income according to research from the National Institute on Retirement Security in 2020. Doesn’t sound good for a program that may be bankrupt in the next several years… Per an annual report relea...

01/30/2024

Our blog offers meticulously crafted, hands-on financial advice, designed for those deeply engaged in financial planning or seeking invaluable insights.As a Financial Planner, my goal is to ensure my clients not only survive but thrive in retirement. But here's the catch: balancing retirement planning without compromising the joys of life today is key.

🔗 https://www.h-cfo.com/post/how-do-you-thrive-rather-than-survive-in-retirement

Explore our blog for tips on thriving in retirement despite financial pressures and start securing your prosperous future today! 💪

As you probably know, I am a Financial Planner! I help to ensure a healthy retirement for my clients by creating financial plans that enable my clients to not just survive but to thrive in retirement! But planning for retirement should not be at the expense of living life today, of course within rea...

01/23/2024

Our blog content is carefully curated to offer practical and actionable financial advice, specifically designed for those engaged in financial planning or seeking valuable guidance. Debunking the myth that all debt is purely a budgeting issue, our latest blog dives into the nuances of good and bad debt.

🔗 https://www.h-cfo.com/post/when-is-debt-good-or-bad

Discover how to navigate different types of debt effectively and make informed financial decisions! 💡💪

I saw it stated that debt is a budgeting problem. But I didn’t use that quote because I do not believe that to be true. There are times when debt is good and times when debt is bad. And there are times when your only choice is debt, whether good or bad. You may ask, when is debt good versus bad? G...

01/16/2024

📈 Roth IRA Conversions Amid Market Uncertainty! 💼

Our blog provides meticulously curated, practical, and actionable financial guidance, tailored for individuals immersed in financial planning or in need of valuable insights. Discover why converting to a Roth IRA during market shifts and potential tax changes is strategic.

🔍 Timing Matters: Insights into the advantages of Roth IRAs amidst market turbulence.

🔗 https://www.h-cfo.com/post/is-now-the-time-for-roth-ira-conversions

Explore more about Roth IRA conversions and smart financial moves during uncertain times! 💪💡

The discussion on Roth IRAs is once again heating up and is centered on the timeliness of Roth IRA conversions. But not only because of the anticipated tax rate increases. Now is also a good time for Roth IRA conversions due to recent market declines. As you may have heard, we are heading into bear....

01/11/2024

I am sharing an insightful 15-minute video by Tom Hegna, a top US economist, offering candid views on the current economy.

Key topics addressed in the video:
1. Interest rates
2. Inflation
3. Housing market
4. Federal spending
5. National debt
6. The future of our currency
7. Bonds (quite insightful analysis he provides on bonds...)
8. Recession in Europe
9. Wars in Ukraine and Israel
10. Influx of immigrants at the Southern border
11. China's statements about taking over Taiwan
12. And more...

https://youtu.be/X7scpSW3H4o

While it's essential to approach expert opinions with caution, Hegna's analysis sheds light on critical issues.

Take the 15 minutes to watch this video.

Of note, Tom Hegna is considered an expert on guaranteed income, which is how I was introduced to him. If you have any questions about guaranteed income and how it can provide you not only the type of retirement you need but also the type of retirement you deserve, schedule a call today.

Wishing you all the best in 2024!

To see if my 2023 economic predictions were accurate, review my 2023 economic commentary for a full recap on national debt, the defense budget, and interest ...

01/09/2024

📈 Navigating Investments Amidst a Possible Recession! 💼

Our latest blog delves into wise investment strategies for those not nearing retirement during uncertain economic times.

🌟 Invest Wisely: Explore various Individual Retirement Account (IRA) options—Traditional, Roth, SIMPLE, and SEP—for smarter financial decisions.

🔍 Understanding Investments: Learn why separating vacation and emergency funds from your investments might be a strategic move.

⏳ Timing Your Moves: Discover the importance of timing amidst market fluctuations for a secure financial future.

https://www.h-cfo.com/post/possible-recession-time-to-invest

Invest smartly and secure your financial future!

What is the best thing to do amidst a possible recession if you are not approaching or in retirement? Invest, invest, invest! Invest for your fabulous upcoming vacations, ensuring you come home to cherished memories and incredible photographs and not a burden of debt. Invest in an emergency fund to....

01/02/2024

Our blog content is carefully curated to offer practical and actionable financial advice, specifically designed for those engaged in financial planning or seeking valuable guidance. In our latest post, we delve into the soaring impact of over 9% inflation, affecting your daily expenses and retirement plans. Stay informed on navigating these changes: https://www.h-cfo.com/post/will-inflation-impact-your-retirement

At this point, does it even matter how high inflation is? You are feeling it everywhere you go – the gas pump, the grocery store, vacation costs, and with many services that are part of your monthly routine, to name a few. And let’s not forget about housing prices. Since when is $1,000,000 nothi...

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