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Team Duncan Financial

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Team Duncan Financial

Team Duncan offers advice-based, comprehensive Financial Life Planning and Investment Management. Amy L. Advice comes first. We listen deeply.

Eric and Amy Duncan, a husband a wife team, provide a rare balance of skills and a refreshing approach to financial planning and investment management. Team Duncan’s Financial Life Planning Process is individually tailored to help their clients make critical financial decisions in the face of irreducible uncertainty and achieve successful outcomes. Duncan is approachable and compassionate a CFPⓇ p

rofessional - she’s not your typical Financial Advisor. Amy’s organized process and warm approach connect deeply with clients to ensure their goals, values, and what truly matters is brought to life in their Financial Life Plan. Eric has an MBA and over 23 years of experience actively managing investment portfolios using well-rounded, agile, investment strategies. Eric’s decisive and effective communication helps clients feel confident that nothing is slipping through the cracks in the implementation of their big-picture plan. Together, Amy and Eric offer their complementary skill sets to ensure clients feel heard, gain a sense of security, and have access to the informed, objective advice they need to make better financial decisions and stay on track with their ever-evolving financial plan. We focus our practice on helping busy professionals align their values and life goals with their financial behavior by engaging in a clear process with strategies they need to make critical financial decisions with confidence and care. At Team Duncan Financial, we are advice-based. Advice-Based means we offer appropriate, objective, useful advice above all other priorities. We understand that a truly comprehensive financial planning relationship is not contingent upon the peddling of products, but is centered around trust and holistic guidance. We know that proper implementation of the plan requires well-rounded solutions and ongoing support. We believe that advice centered around your priorities and best interests results in better financial decisions and outcomes. Your values and vision of a meaningful life are the foundation of your plan. Our Discovery Experience and visioning exercises are designed to help you gain a fresh perspective and pinpoint actionable items to improve your financial life immediately. We center our process around good communication, self-awareness, and building the confidence you need to start checking off important boxes in your financial life and following an aligned plan. We're right there with you. We are a busy professional couple working hard and planning our ideal life together, just like you. There comes a point when you realize you don't have the time in your day to do it all, or the time in your life to make poor financial decisions that could derail your future. You want guidance about your investments, stock options, planning for your kids, and your own retirement. Partnering with experienced financial professionals who understand what it is like to be in your shoes, helps you make informed financial decisions while allowing you to stay focused on your family, career, and what is most important to you.

05/19/2026

Building credit may not feel exciting at 18 or 22, but it quietly impacts some of life’s biggest opportunities. 💳

A strong credit history can affect:
• apartment approvals
• car loan rates
• future mortgage options
• insurance costs
• and overall financial flexibility

The good news?

Healthy credit habits are usually built through small, consistent actions over time, not complicated strategies.

A few smart ways young adults can begin building credit early:
• Become an authorized user on a parent’s well-managed credit card
• Open a starter credit card and practice using credit responsibly over time
• Keep balances manageable instead of maxing out limits
• Set up automatic payments to avoid missed due dates ⏰
• Learn the difference between using credit wisely and relying on debt

Credit is really about demonstrating consistency, responsibility, and the ability to manage borrowed money wisely over time.

The earlier young adults understand how it works, the more options and flexibility they create for their future.

05/14/2026

A first paycheck is more than a milestone 💼
It’s often the first real moment a young adult begins making independent financial decisions.

Not the big decisions someday, but the small ones that quietly shape a future:
• how to spend
• how to save
• how to balance freedom with responsibility

The earliest financial habits tend to become lifelong patterns.
That’s why this graduation season matters so much.

The transition from college to career is often where values, discipline, and financial behaviors begin to take root.

Simple decisions made early can create meaningful long-term impact:

• Building the habit of saving before lifestyle inflation takes over
• Learning how to use income intentionally instead of reactively
• Understanding the trade-offs between spending today and flexibility tomorrow 📈
• Becoming comfortable talking openly about money, goals, and priorities as a family 💬

Financial independence isn’t built in one big moment.

It’s shaped through consistent habits, thoughtful choices, and good guidance over time.

05/12/2026

Working with a client’s college-bound child, we mapped out three education paths:

• a modest in-state option
• a typical private school
• and the dream program topping $80K per year

Side-by-side, the numbers told two very different stories: a six-figure surplus in the lower-cost scenario and a six-figure shortfall in the highest-cost one.

Then came the lightbulb moment. Dad mentioned an option they hadn’t seriously considered before — starting with two years of community college. Suddenly, the conversation shifted. That choice could preserve enough of the UTMA for a car, graduate school, or even a future home down payment.

For their student, the spreadsheets became real: every tuition dollar carries an opportunity cost.

The takeaway?

Invite students into the planning process early. When they see the numbers for themselves, they begin forming their own values around education, debt, and future freedom. Sometimes the most meaningful family conversations begin with the math.

What trade-offs would your teen make if they saw the full picture?

05/08/2026

Graduation isn’t just a milestone 🎓 It’s the starting line for your child’s financial future.

At Team Duncan, we partner with families to help the next generation step into adulthood with financial understanding, intentional habits, and a strong foundation for the future.

Together, we can work with you and your graduate to:
• Introduce the fundamentals of investing and asset allocation 📊
• Understand how wealth is built, managed, and preserved over time 📈
• Become more comfortable having open, healthy conversations about money as a family 💬
• Develop a sense of purpose through philanthropy and intentional giving 🤝

This stage is an opportunity to move from guidance to empowerment, giving your graduate the knowledge and confidence to make informed financial decisions.

Because financial literacy isn’t optional. it’s a lifelong advantage!

04/16/2026

𝘞𝘩𝘢𝘵 𝘗𝘦𝘰𝘱𝘭𝘦 𝘈𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘞𝘢𝘯𝘵 (𝘐𝘵’𝘴 𝘕𝘰𝘵 𝘢 𝘗𝘭𝘢𝘯)

Here’s something most people don’t say out loud:
They don’t actually want a financial plan.
They want what they believe a plan will give them.
✨ Freedom
✨ Confidence
✨ The ability to make decisions without second-guessing
✨ The feeling that nothing important is being missed

And honestly?
A plan sitting on a shelf doesn’t do any of that.

What 𝘥𝘰𝘦𝘴 work is:
A process
A partner
A series of decisions that actually get implemented

Because the goal isn’t to “have a plan.”
The goal is to live a life that feels aligned, intentional, and fully yours.
Money is just the tool.
The real question is:

👉 What do you want it to make possible?
That’s where we start.

04/13/2026

𝗪𝗵𝗲𝗻 𝗟𝗶𝗳𝗲 𝗚𝗲𝘁𝘀 𝗕𝗶𝗴𝗴𝗲𝗿, 𝗠𝗼𝗻𝗲𝘆 𝗚𝗲𝘁𝘀 𝗟𝗼𝘂𝗱𝗲𝗿.
The Hidden Stress No One Talks About...
One of the most common things we hear from couples:
“We’re both doing well… so why does this still feel stressful?”

On paper, everything looks great:
✔ Good income
✔ Saving money
✔ No major red flags

But behind the scenes?
There’s quiet tension.
Who’s thinking about what?
Are we making the right decisions?
What are we missing?
Are we even aligned?
And no one really wants to say it out loud… because nothing is technically “wrong.”

But here’s what I’ve learned:
Financial stress isn’t always about lack.
Sometimes it’s about lack of 𝘀𝗵𝗮𝗿𝗲𝗱 𝗰𝗹𝗮𝗿𝗶𝘁𝘆.

That’s why our process isn’t just about numbers.
It’s about:
– Getting on the same page
– Creating a structure for decisions
– Making sure both people feel heard
– Turning “we should talk about this…” into “we’ve got a plan”

Because money doesn’t just live in accounts.
It lives in relationships.
And when you get that part right?
Everything else gets easier.

04/09/2026

𝗪𝗵𝗲𝗻 𝗟𝗶𝗳𝗲 𝗚𝗲𝘁𝘀 𝗕𝗶𝗴𝗴𝗲𝗿, 𝗠𝗼𝗻𝗲𝘆 𝗚𝗲𝘁𝘀 𝗟𝗼𝘂𝗱𝗲𝗿.
𝗧𝗵𝗲 𝗠𝗼𝗺𝗲𝗻𝘁 𝗜𝘁 𝗚𝗲𝘁𝘀 𝗖𝗼𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱...

There’s a moment we see over and over again with clients.
It’s not when they first start making money.
It’s not even when they hit a big milestone.
It’s when life gets… layered.
A promotion.
Stock options.
A second home.
A business that’s finally working.
A new marriage.
And suddenly…
👉 “Are we doing this right?”
👉 “I feel like something could slip through the cracks.”
👉 “We should probably have a plan…”

Not because anything is wrong.
But because there’s finally enough 𝘢𝘵 𝘴𝘵𝘢𝘬𝘦 that guessing doesn’t feel good anymore.

That’s usually the moment they reach out.
Not for a product.
Not for a spreadsheet.
For clarity.
For confidence.
For someone to sit across from them and say:
“𝗟𝗲𝘁’𝘀 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗶𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘀𝘂𝗽𝗽𝗼𝗿𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗹𝗶𝗳𝗲 𝘆𝗼𝘂’𝗿𝗲 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴.”

Because complexity isn’t the problem.
Uncertainty is.
And that’s solvable.

04/03/2026

🏀𝗠𝗮𝗿𝗰𝗵 𝗠𝗮𝗱𝗻𝗲𝘀𝘀… 𝗯𝘂𝘁 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗹𝗶𝗳𝗲 𝗶𝘀 𝘁𝗵𝗲 𝗿𝗲𝗮𝗹 𝗯𝗿𝗮𝗰𝗸𝗲𝘁.
And when it comes to college planning?
𝟱𝟮𝟵 𝗽𝗹𝗮𝗻𝘀 𝗺𝗮𝘆 𝗯𝗲 𝘆𝗼𝘂𝗿 #𝟭 𝘀𝗲𝗲𝗱.

🎯 The Reality Check
Most families step into college planning like it’s the first round. It can feel fast, emotional, and a little unprepared.
But the truth is:
👉 College costs are rising faster than inflation
👉 Financial aid is not a strategy—it’s a variable
👉 Without a financial plan, you’re reacting instead of deciding

🚀 3 Smart Plays to Run
𝗦𝘁𝗮𝗿𝘁 𝘆𝗼𝘂𝗿 𝟱𝟮𝟵
Even small, consistent contributions > perfect timing
𝗦𝗵𝗼𝘄 𝘆𝗼𝘂𝗿 𝘁𝗲𝗲𝗻 𝘁𝗵𝗲 𝗽𝗹𝗮𝗻
Let them see the account, the growth, the intention
𝗧𝗶𝗲 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝗿𝗲𝗮𝗹 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻𝘀
How are we funding this?
• 529 savings (your core engine)
• Cash flow
• Scholarships
• Student contribution

❤️ The Shift That Matters
When your teen sees a 529 growing for them… something changes.
They realize:
• This didn’t just appear
• It was planned, intentional, invested
Without a strategy, college costs feel like chaos in the final seconds. Financial planning becomes your bracket bringing clarity, intention, and a path your whole family can move forward with, together.

🏆𝗧𝗵𝗮𝘁’𝘀 𝗵𝗼𝘄 𝘆𝗼𝘂 𝘄𝗶𝗻.

03/26/2026

🏀𝗠𝗮𝗿𝗰𝗵 𝗠𝗮𝗱𝗻𝗲𝘀𝘀 𝗠𝗲𝗲𝘁𝘀 𝗠𝗼𝗻𝗲𝘆 𝗠𝗼𝘃𝗲𝘀
It’s March Madness… and while brackets are getting busted, your college savings strategy doesn’t have to. 🏀

Here’s the truth:
Planning for college isn’t about picking the perfect team, it’s about building a 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘁𝗵𝗮𝘁 𝗰𝗮𝗻 𝗴𝗼 𝘁𝗵𝗲 𝗱𝗶𝘀𝘁𝗮𝗻𝗰𝗲.

A 529 plan?
That just may be your #1 seed.
✨ Tax-advantaged growth to support long-term education funding
✨ Flexible use across qualified education expenses
✨ No income limits making it an accessible planning tool
✨ And yes… grandparents can step in as all-star contributors
Here’s where thoughtful planning creates an edge:
➡️ 𝗢𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝗺𝗮𝘁𝘁𝗲𝗿𝘀: Grandparents can open, contribute to, and control their own 529 accounts—keeping flexibility in the overall plan. They'll benefit from the state tax deduction in many states!
➡️𝗟𝗮𝘆𝗲𝗿𝗲𝗱 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆: One beneficiary can have multiple 529 accounts across different owners or states
➡️𝗔𝗱𝘃𝗮𝗻𝗰𝗲𝗱 𝗴𝗶𝗳𝘁𝗶𝗻𝗴: Super funding strategies allow for meaningful wealth transfer while supporting education goals
This is where college planning becomes 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗹𝗶𝗳𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴.

The real win?
Not just getting into college…
But building a plan that supports the life waiting on the other side of it.

03/23/2026

𝗧𝗵𝗲 𝗮𝘃𝗲𝗿𝗮𝗴𝗲 𝟰-𝘆𝗲𝗮𝗿 𝗰𝗼𝗹𝗹𝗲𝗴𝗲 𝘁𝘂𝗶𝘁𝗶𝗼𝗻 𝗰𝗮𝗻 𝗿𝗮𝗻𝗴𝗲 𝗳𝗿𝗼𝗺 $𝟭𝟬𝟬,𝟬𝟬𝟬 𝘁𝗼 $𝟮𝟮𝟬,𝟬𝟬𝟬 𝗯𝘆 𝗴𝗿𝗮𝗱𝘂𝗮𝘁𝗶𝗼𝗻. 🎓
Pause for a second and let that sink in…

Choosing a college isn’t just about where your child wants to go.
It’s about how that decision fits into the life you’re building as a family.

This is one of those moments where money meets meaning.

And without a plan?
It’s easy for good intentions to quietly compete with bigger goals like your retirement, your lifestyle, or your long-term vision.

It is essential to explore college options through the lens of your real life.

Not just “What does it cost?”
But…𝘞𝘩𝘢𝘵 𝘥𝘰𝘦𝘴 𝘪𝘵 𝘤𝘰𝘴𝘵 𝘺𝘰𝘶?
Together, we can:
✨ Look at what you’ve already set aside
✨ Compare scenarios (in-state, out-of-state, public, private)
✨ Understand how each path impacts your broader financial life such as cash flow, retirement, and legacy

Because the goal isn’t just to fund college.
It’s to do it in a way that still supports the life you want to live.

A plan that feels aligned. Clear. Sustainable.

If this is a conversation that’s been sitting in the “we should really figure that out” category…

We’re here when you’re ready.

Address

Denver, CO
80218

Opening Hours

Monday	7:30am - 5pm
Tuesday	7:30am - 5pm
Wednesday	7:30am - 5pm
Thursday	7:30am - 5pm
Friday	7:30am - 5pm

Website

http://www.teamduncanfinancial.com/

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