Annie Garland, CFP - WealthClarity

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Annie Garland, CFP - WealthClarity

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You’re in your 40s or 50s, balancing kids, careers, and concerned about your aging parents. Life’s busy, and the financial to-dos can feel overwhelming. My goal?

Financial Advisor | Helping ambitious women and couples build a strong, organized financial strategy that brings a sense of clarity, confidence, and control. | Proud Mom, Wife & Mountain Biker Retirement is on the horizon and you're interested in learning more about what you should be doing now to retire on your terms and with enough saved to enable you to live the lifestyle you desire. To make the path to retirement simpler and clearer. What you’ll learn:

How to get financially organized so nothing slips through the cracks. Proven ways to lower taxes before and during retirement. Strategies for investing with confidence (without analysis paralysis). How to replace money stress with clarity and the confidence to stay the course. If you’re ready to trade chaos for calm and build retirement habits that last, subscribe here. (Educational content only. Not investment, tax, or legal advice.)

10/23/2026

𝗪𝗵𝗲𝗻 𝘆𝗼𝘂’𝗿𝗲 𝗺𝗼𝘂𝗻𝘁𝗮𝗶𝗻 𝗯𝗶𝗸𝗶𝗻𝗴 𝗼𝗻 𝘁𝗲𝗰𝗵𝗻𝗶𝗰𝗮𝗹 𝘀𝗶𝗻𝗴𝗹𝗲𝘁𝗿𝗮𝗰𝗸, 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝗿𝘂𝗹𝗲𝘀 𝘆𝗼𝘂 𝗹𝗲𝗮𝗿𝗻 𝗶𝘀: 𝗱𝗼𝗻’𝘁 𝗹𝗼𝗰𝗸 𝘆𝗼𝘂𝗿 𝗲𝘆𝗲𝘀 𝗼𝗻 𝘁𝗵𝗲 𝗿𝗼𝗰𝗸 𝗿𝗶𝗴𝗵𝘁 𝗶𝗻 𝗳𝗿𝗼𝗻𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝘁𝗶𝗿𝗲.

That’s difficult for a beginner because the obstacle right under you can send you flying if you don’t yet have the skills to ride it cleanly.

Experienced riders set their gaze further ahead, read what’s coming, giving yourself time to react while still navigating what’s right in front of you.

𝘊𝘶𝘦 𝘵𝘩𝘦 𝘤𝘰𝘯𝘯𝘦𝘤𝘵𝘪𝘰𝘯 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘭𝘪𝘧𝘦 𝘪𝘯 3, 2, 1...

Financial planning works the exact same way. It’s easy to get sucked into this week’s market noise, inflation headlines, or your latest big, unexpected expense. You feel like you should react aggressively because it’s right in front of you.

But if you plan ahead, you should already be in a good position to tackle what's going on right now. You should be making moves now for potential obstacles that aren’t already right in front of you.

10/21/2026

"𝙏𝙝𝙚 𝙩𝙞𝙢𝙚 𝙩𝙤 𝙧𝙚𝙥𝙖𝙞𝙧 𝙩𝙝𝙚 𝙧𝙤𝙤𝙛 𝙞𝙨 𝙬𝙝𝙚𝙣 𝙩𝙝𝙚 𝙨𝙪𝙣 𝙞𝙨 𝙨𝙝𝙞𝙣𝙞𝙣𝙜."

John F. Kennedy said that in 1962. It's still some of the best financial advice I know.

Most people don't climb a ladder in a thunderstorm. You fix the roof on a calm day, when you can see what you're doing.

Most people do their financial planning in the storm. After the layoff. After the diagnosis. After the market drops 20%. That's when decisions get rushed and options get smaller.

The calm days are when you have the most choices and when you're thinking is most rational.

10/19/2026

𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁 𝗼𝗳 𝗺𝘆 𝘄𝗲𝗲𝗸𝗲𝗻𝗱: My article, “Your Financial RPE,” was published in HumbleDollar, a personal finance site I've followed for years.

HumbleDollar believes managing money is relatively simple, but it isn't easy.

Their well-rounded content aims to help readers make rational financial decisions, especially when it comes to retirement. And they are acutely aware of the human side of money... which makes a 'rational' decision more difficult than you'd think sometimes.

I’m extremely honored to be a first time contributor!

Link to the full article in the comments.

10/07/2026

𝗪𝗼𝘂𝗹𝗱𝗻'𝘁 𝗶𝘁 𝗯𝗲 𝗻𝗶𝗰𝗲 𝗶𝗳 𝘆𝗼𝘂 𝗵𝗮𝗱 𝘀𝗮𝘃𝗲𝗱 𝟭𝟬% 𝗼𝗳 𝗲𝘃𝗲𝗿𝘆 𝗱𝗼𝗹𝗹𝗮𝗿 𝘆𝗼𝘂'𝘃𝗲 𝗲𝘃𝗲𝗿 𝗲𝗮𝗿𝗻𝗲𝗱 𝗳𝗿𝗼𝗺 𝘆𝗼𝘂𝗿 𝘃𝗲𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗽𝗮𝗶𝗱 𝗴𝗶𝗴?

09/30/2026

In the fitness world, RPE (rating of perceived exertion) is one of my favorite metrics. It tells you whether you’re actually working at the level required to create the adaptation you want.

If every workout sits at a 3 or 4 out of 10, here's what happens:
• You feel productive.
• You're going through the motions.
• But you don’t get the results you desire.

Your financial life works the exact same way.

If your “financial RPE” is consistently low, your potential outcomes are likely to be muted. A low financial RPE may include:
• Avoiding the hard decisions.
• Delaying the planning.
• Failing to give taxes enough attention.

Real change requires real effort. Consistent, meaningful exertion toward the future you want.

𝗪𝗵𝗮𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗣𝗘 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄? 𝗜𝘀 𝗶𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝘀𝘁𝗲𝗽 𝗶𝘁 𝘂𝗽 𝗮 𝗻𝗼𝘁𝗰𝗵?

09/29/2026

𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗠𝗼𝗺𝘀! 𝗧𝗵𝗶𝘀 𝗶𝘀 𝘃𝗲𝗿𝘆 𝗻𝗶𝗰𝗲 𝘁𝗼 𝗵𝗲𝗮𝗿...

There's so much value derived from having a stay-at-home parent when children are young. Harvard Business School research led by Kathleen McGinn offers a reassuring message for working moms.

The study found that daughters of employed mothers tend to earn more and step into leadership roles more often.

Sons of working mothers grow up contributing more at home and with childcare duties.

Careers and thriving families can absolutely coexist.

Thanks to Michelle Chun for bringing this study to my attention.

09/28/2026

𝗬𝗼𝘂𝗿 𝗮𝗴𝗶𝗻𝗴 𝗽𝗮𝗿𝗲𝗻𝘁 𝗼𝗿 𝗹𝗼𝘃𝗲𝗱 𝗼𝗻𝗲 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗯𝗲 𝗵𝗮𝗻𝗱𝗹𝗶𝗻𝗴 𝗵𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝘄𝗲𝗹𝗹.
𝗦𝗵𝗲 𝗺𝗮𝘆 𝗻𝗲𝗲𝗱 𝘆𝗼𝘂𝗿 𝗵𝗲𝗹𝗽.

I’m supporting a very sweet woman in her early 80s. She’s incredibly organized. She keeps every statement neatly filed in a 3‑ring binder. So on the surface, her adult children understandably have assumed everything is taken care of.

When I asked whether she had any debt, she confidently said NO.

But in reviewing her finances, I found a HELOC opened two years ago, maxed out with a $20k balance at a 7% variable interest rate.

She became frustrated and flustered and said "I only use a debit card. I do not have any debt."

For everyday purchases, she had been using what she believed was a "debit card." She didn't realize this card is tied to that HELOC.

If you’re able to offer support and your loved one is willing to receive it, even a small check‑in can help prevent an unpleasant financial surprise.

09/23/2026

"𝙒𝙚'𝙧𝙚 𝙜𝙚𝙩𝙩𝙞𝙣𝙜 𝙝𝙞𝙩 𝙬𝙞𝙩𝙝 𝙩𝙖𝙭𝙚𝙨."

I've been hearing this often. What does it mean and how do you know if you're paying more than necessary?

Maybe it's because...

• Your income jumped but your tax strategy didn’t.
• You’re not using all available deductions.
• You haven’t reviewed your withholdings since your income changed.
• You’re not coordinating taxes with your investments. Capital gains, tax‑loss harvesting, or asset location.
• You only think about taxes at tax time instead of planning proactively throughout the year.
• Your CPA files your return, but no one is helping you proactively strategize.

High‑income professionals often overpay simply because their financial life gets more complex and they're too busy to address it.

09/21/2026

The WealthClarity team recently spent the day with Brothers Redevelopment, Inc. for a Volunteer Paint-A-Thon, helping a City of Arvada homeowner give his home a much needed fresh coat of paint.

We’re grateful for the opportunity to lend a hand in our community and proud of our whole team for showing up ready to work. A special shout out to Nancy, who arrived in a sling with a fresh shoulder injury!

09/10/2026

𝗧𝘄𝗲𝗹𝘃𝗲 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼 𝘁𝗼𝗱𝗮𝘆, 𝗜 𝗯𝗲𝗰𝗮𝗺𝗲 𝗮 𝗠𝗢𝗠.

I've done a few things I'm proud of. Nothing is close to this one.

If I may boast for a moment... she is a very cool girl. She loves adventuring in the mountains. She's a great cook. She reads every day. She still loves to cuddle. And she has been a phenomenal big sister since she was 17 months old.

She's amazing. We are very lucky. I am so thankful to be her Mom.

Address

1746 Cole Boulevard Ste 225
Lakewood, CO
80401

Telephone

(720)6031425

Website

http://www.wealthclarity.com/

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