A Big Welcome to the White Oak Planning Family!
We’re excited to welcome the White Oak Planning family to 29:11 Financial Planning! April, Jerry, and their clients are joining the 29:11 family as we begin this exciting next chapter together.
Financial Planning
For Every Season Of Life
Your financial life is about more than your investments or the balance in your retirement account. It is connected to your family, career, business, values, responsibilities, and vision for the future. A thoughtful financial plan brings these pieces together so you can make informed decisions today while continuing to work toward your long-term goals.
At 29:11 Financial Planning, we provide personalized financial planning for individuals, couples, families, professionals, and business owners throughout Arvada, Greenwood Village, and the Denver Metro area. Our team-based approach brings together multiple perspectives and professional experience to help you make informed financial decisions based on your unique life, goals, and priorities.
We understand that money can feel complicated, especially when you are managing a career, raising a family, caring for aging parents, building a business, preparing for retirement, or adjusting to a major life transition. Our role is to help you understand where you are, determine where you want to go, and create a practical path forward.
Financial Planning That Brings the Pieces Together
Your income, savings, debt, investments, retirement accounts, insurance, taxes, family responsibilities, and estate planning decisions are all connected. A decision in one area can affect several others.
You may already have a 401(k), IRA, savings accounts, investments, insurance policies, college savings, or estate documents. But having the individual pieces does not necessarily mean you have a coordinated financial plan.
Comprehensive financial planning helps you step back and look at the full picture so you can answer important questions such as:
- Am I saving enough for retirement?
- Are my investments aligned with my goals and timeline?
- What should I prioritize first?
- Am I balancing what I need today with what I want for the future?
- How could a major life change affect my finances?
- Are there financial risks or gaps I have overlooked?
- Do my accounts, beneficiaries, insurance, and estate plans work together?
Through our team-based approach, our financial advisors help you step back and look at the full picture, bringing different perspectives and experience to your financial strategy so your decisions can be intentional rather than reactive.
Your Financial Plan Should Reflect Your Life
There is no one-size-fits-all financial strategy.
Two families can have similar incomes and account balances but completely different priorities. One may be preparing for early retirement while another is balancing college expenses and caring for aging parents. A business owner may be preparing to sell a company, while another hopes to pass it to the next generation.
That is why we start by understanding why your money matters to you.
Your goals, relationships, responsibilities, experiences, and values help shape the financial strategy we build together.
What Can a Personalized Financial Plan Help You Do?
A financial plan cannot predict every future event or eliminate investment risk. What it can do is give you an organized framework for making financial decisions as your life changes.
Personalized financial planning can help you:
✓ Understand your current financial position
✓ Clarify your short- and long-term goals
✓ Prioritize competing financial needs
✓ Identify potential gaps and risks
✓ Make informed saving and investment decisions
✓ Prepare for retirement and future income needs
✓ Understand how financial decisions affect one another
✓ Coordinate with your CPA, attorney, and other professionals
✓ Prepare for expected and unexpected life transitions
✓ Track your progress and adjust your strategy over time
Most importantly, financial planning can help replace uncertainty with greater clarity about what comes next.
Financial Guidance Through Life’s Transitions
Major life transitions often involve multiple financial decisions at the same time. Emotions can also make it harder to evaluate those decisions clearly.
You may be managing a new household after marriage, separating finances during a divorce, combining families after remarriage, making decisions after the death of a spouse, changing careers, selling a business, or preparing to retire.
During these seasons, financial planning can help you slow down, understand your options, and avoid making isolated decisions without considering their long-term effects.
Our team provides a supportive environment where you can ask questions, talk openly about your concerns, and receive guidance based on your specific circumstances.
Frequently Asked Questions
About Financial Planning
A financial advisor helps you understand your current financial position, define your goals, evaluate your options, and create a strategy for moving forward.
The relationship may include financial planning, investment guidance, retirement planning, ongoing reviews, and coordination with other professionals. The specific work depends on your needs and the services included in your agreement.
At 29:11 Financial Planning, we focus on how the different parts of your financial life work together instead of looking at one account or decision in isolation.
You do not need to reach a certain age, income, or account balance before seeking financial guidance. Often, one of the best times to meet with a financial advisor is before making a major financial or life decision.
You may benefit from financial planning if you are:
- Growing your income or career
- Changing jobs or evaluating benefits
- Starting, growing, or selling a business
- Getting married, divorced, or remarried
- Combining finances or households
- Raising children or planning for education
- Supporting aging parents
- Receiving an inheritance
- Preparing for retirement
- Deciding when to claim Social Security
- Managing retirement income
- Adjusting financially after losing a spouse
- Concerned about taxes or future healthcare costs
- Unsure whether your current financial strategy is still right for you
You may also simply feel like you are doing well financially but still find yourself asking, “Am I making the right decisions?”
That is a good reason to start a conversation too.
Comprehensive financial planning looks at your entire financial life rather than addressing only one investment, account, or goal.
It considers how your cash flow, savings, debt, investments, retirement goals, taxes, insurance, family responsibilities, business interests, and estate planning decisions may affect one another.
The result is a coordinated strategy designed around your life and priorities.
Financial professionals may be compensated in several ways. These may include financial planning fees, fees based on the value of assets under management, commissions associated with certain financial products, or a combination of compensation methods.
The way we are compensated depends on the services and solutions involved in your relationship. Before you decide to work with us or implement a recommendation, we explain the applicable fees and costs so you can understand what you are paying and how the financial professional may be compensated.
The cost of financial planning varies based on the services provided, the complexity of your situation, and the type of ongoing guidance you need.
We explain the applicable costs before you enter into an agreement. You will have the opportunity to ask questions and understand what services are included.
You do not necessarily need to reach a certain age, income, or account balance before seeking financial guidance.
Whether an advisor is the right fit depends on your situation, the questions you need answered, and the services you are looking for. During an initial conversation, we can learn about your needs, explain how we work, and determine whether the relationship is a good fit.
A 401(k) is an important financial resource, but having a retirement account is not the same as having a financial plan.
A financial advisor can help you consider how your 401(k) fits with your other savings, investments, retirement timeline, income needs, risk tolerance, Social Security strategy, and broader goals.
Yes. Some people contact us because they want a second opinion or do not fully understand their current financial strategy.
We can help you evaluate whether your existing plan reflects your goals, timeline, risk tolerance, retirement needs, and other priorities. You can then decide whether any changes may be appropriate.
No. Empowering and educating women remains an important part of the firm’s history and mission, but 29:11 Financial Planning works with women, men, couples, families, professionals, entrepreneurs, and business owners.
Every client receives guidance based on their individual situation, values, relationships, and goals.
Not necessarily.
We begin by learning about your financial situation and the services you need. If investment management is part of the relationship, we explain which accounts can be managed, what changes may be recommended, and why.
You should understand the potential benefits, costs, tax considerations, and administrative requirements before transferring or changing an account.
Financial planning often involves tax-aware and estate planning considerations, but a financial advisor does not replace your CPA or attorney.
We can help identify financial issues to discuss and coordinate with your tax and legal professionals. Your CPA or tax professional provides tax advice, and your attorney prepares and interprets legal documents.
Your financial plan should be reviewed regularly and whenever you experience a significant life change.
Common reasons to revisit your plan include:
- Marriage, divorce, or remarriage
- The birth or adoption of a child
- The death of a spouse or family member
- A change in employment or income
- Starting, buying, or selling a business
- Receiving an inheritance
- Buying or selling a home
- Approaching retirement
- A significant health change
- New family or caregiving responsibilities
- A change in your goals or priorities
Ongoing financial planning helps keep your strategy connected to your current life.
You do not need to have everything perfectly organized before beginning a conversation.
For an initial meeting, it is helpful to have a general understanding of your income, expenses, savings, debts, investments, and major goals. If we decide to work together, our team will provide a more detailed list of documents and help you organize the information needed for your plan.
Financial planning can help you evaluate whether your savings, investments, expected income, Social Security benefits, healthcare costs, and anticipated expenses may support your desired retirement timeline.
Your advisor can also help you compare different scenarios, such as retiring earlier, working longer, saving more, changing your planned spending, or adjusting the timing of Social Security.
A financial plan cannot guarantee a particular result, but it can help you make a more informed retirement decision.
The terms are related but do not always mean the same thing.
Financial planning focuses on your overall goals and the financial decisions that may help you pursue them. Wealth management often combines comprehensive financial planning with ongoing investment management and additional coordination for people with more complex financial needs.
The right relationship depends on the type and level of guidance you need.
Your advisor can also help you compare different scenarios, such as retiring earlier, working longer, saving more, changing your planned spending, or adjusting the timing of Social Security.
A financial plan cannot guarantee a particular result, but it can help you make a more informed retirement decision.
Build a Financial Plan Around the Life You Want
You have worked hard to build your life, support your family, and prepare for the future. You should not have to make every financial decision alone or wonder whether all the pieces of your financial strategy are working together.
At 29:11 Financial Planning, we help turn financial questions into clear, actionable next steps. We take the time to understand what matters most to you, explain your options, and create a personalized financial plan designed to evolve with you through every season of life.
With offices in Arvada and Greenwood Village, we proudly serve individuals, couples, families, professionals, and business owners throughout the Denver Metro area. Whether you meet with us in person or virtually, our team-based approach gives you the benefit of multiple perspectives while maintaining the personal, relationship-driven experience you deserve. Our goal is to give you a comfortable place to ask questions, understand your options, and move forward with greater confidence in your financial future.