GPS Financial Planning

04/06/2026

"Transitioning to a new home can be both exciting and overwhelming, especially when it comes to finances. During a recent call, a client shared, 'We finally decided to be adults and set a budget after buying our house.'

This moment resonated with me. It’s not just about the numbers; it’s about the emotional journey of taking responsibility for your financial future. We discussed how budgeting can provide clarity and peace of mind, allowing them to invest in their future rather than just using their accounts as a piggy bank.

The key takeaway? Establishing a budget is a powerful step toward financial empowerment. It’s about making informed choices that align with your goals, ensuring you can enjoy your new home without financial stress.

Remember, it’s never too late to take control of your finances.

"

03/06/2026

Financial planning is numbers on paper.
Ex*****on is people.
Grateful for ours today.

03/05/2026

Compounding is boring. And that’s exactly why most people ignore it.

It’s not flashy.
It’s not viral.
It doesn’t double overnight.

It just… keeps going.

Money making money.
Then that money making money.

That’s tax-deferred growth. Not dramatic. Just disciplined.

Most people chase the exciting move.
The wealthy stick with the consistent one.

We don’t build plans around hype.
We build them around math.

If you want to see how compounding actually works in a real strategy, watch the full video here:

Why are 401(k) plans, annuities, and IRAs so popular?

02/25/2026

Everyone has access to information; very few adjust strategically.

401(k) limits increased to $24,500.
IRA limits increased to $7,500.
The estate exemption moved to $15,000,000.

2026 Key Tax Numbers Guide

Those numbers are easy to Google.

What’s harder is knowing whether they should change your strategy.

A higher limit doesn’t automatically mean “contribute more.” A larger exemption doesn’t eliminate the need for planning.

The data updates every year.
Your plan should, too.

Comment 'TAX' and we'll send you your copy of our 2026 Tax Snapshot.

02/23/2026

Life is unpredictable, and sometimes it takes a moment of reflection to remind us of what truly matters.

During a recent conversation, a client shared, “I feel like we started too late.” This sentiment resonated deeply as we discussed the importance of balancing present enjoyment with future planning. We talked about how life can feel both fast and slow, and how it’s crucial to make the most of today while preparing for tomorrow.

The takeaway? Progress doesn’t always have to be dramatic to be meaningful. It’s about making consistent, thoughtful decisions that align with your values and goals.

Let’s remember to live fully in the present while also being mindful of the future we’re building.

02/19/2026

Every time the world feels unstable, gold starts trending. Tension rises. Markets wobble. Fear spreads.

Investors rush toward what feels safe.

But here’s the part most people don’t talk about:

Since 1980
• Gold has increased roughly 5×
• The S&P 500 has increased roughly 64× before dividends

That’s not opinion. That’s math.

Gold reacts to fear.
Businesses create growth.

Short-term protection feels good.
Long-term compounding builds wealth.

If your strategy shifts with every headline, you don’t have a strategy.
You have sentiment.

We recently published a deeper analysis comparing gold to equities over the past four decades. The numbers may surprise you.

Gold may glitter, but it doesn’t grow. Discover why gold fails as an investment and what Denver investors can do instead to build lasting wealth.

02/17/2026

During a recent call, a client shared a moment of relief: 'I checked, and we went over $1,100,000! It was like a little victory!'

This simple statement encapsulated the journey many face in retirement planning. It’s not just about the numbers; it’s about the emotional milestones we hit along the way. We discussed how, despite market fluctuations, the key is to stay the course and let compounding work its magic.

As we navigate the ups and downs of investing, it’s these moments of progress that remind us of our resilience and the importance of a well-structured plan.

Remember, it’s not just about reaching a target; it’s about celebrating each step forward.

02/16/2026

Quick question, if someone asked you what your financial plan is… could you explain it in one sentence?

Most people can list their accounts.

But a real plan answers:
What happens if life changes?
What happens if income shifts?
What happens if something unexpected happens?

Your investments matter.
But clarity matters more.

02/13/2026

Homeownership can bring added considerations during tax season.

As the IRS begins accepting 2026 tax returns, homeowners may be reviewing whether to itemize deductions or take the standard deduction.

Depending on individual circumstances, certain expenses tied to owning a home may still be eligible for tax treatment under current rules, including mortgage interest and property-related costs.

Because tax situations vary, it may be helpful to review what applies to you before filing.

If you have questions about how these items show up in your overall financial picture, feel free to reach out. For specific tax guidance, it’s best to connect directly with your qualified tax professional. We're happy to coordinate with them to ensure your financial strategy is aligned.

It will mostly be business as usual for homeowners this tax season. However, new changes introduced under the "big, beautiful bill" may affect how they file.

02/11/2026

January is about motivation.
February is when goals meet systems.

This is the point in the year where systems matter more than goals.

The same applies to your finances.

When was the last time you reviewed your financial plan?

Want to learn how to change unhealthy behaviors? Click to read more.

Five phases to changing unhealthy behaviors.

02/09/2026

You probably don’t think much about the phrase “adjusted for inflation.”

But once you see what it does. Or doesn’t do – it’s hard to ignore.

Here’s why it matters:

• The $3,000 investment loss deduction was set in 1978. Adjusted for inflation, it would be closer to $15,000 today.
• Home sale capital gains limits were set in 1997. Adjusted for inflation, today’s limits would be roughly double what they are now.
• Social Security has been adjusted for inflation. That’s why the average monthly benefit grew from $207 in 1975 to $1,976 in 2025.

But not everything keeps up.

The Alternative Minimum Tax wasn’t indexed for inflation. What started as a rule aimed at 155 taxpayers eventually applied to millions, simply because inflation quietly expanded its reach.

How many financial rules that affect you do you think are still based on numbers from decades ago?