We Provide Comprehensive Retirement Planning - Our plans are completely objective, clear and easy to understand. Your plan will encompass your assets, debt service, taxes, estate planning, social security, pensions and insurances. Most importantly your plan will focus on your personal goals and objectives.
We are Fiduciaries - Our fee structure is totally transparent, and we freely share it with you. Any potential conflict of interest is disclosed prior to your making any decision. Bottom line: Our fundamental commitment is to you and your financial well-being.
Annual Financial Plan Updates and Reviews - We encourage that you meet with us annually to review and update your plan annually, to help review your retirement status, and to help give you an updated understanding of your retirement outlook.
Quarterly Newsletters – We keep our clients informed of current issues and topics within the financial landscape.
Educational Client Conferences / Classes – Our educational conferences/classes are provided to help educate clients in various areas that pertain to retirement planning.
Regular Contact - We reach out to our clients throughout the year to see if they have questions or concerns. In addition, we remain available and encourage clients to contact us if we can be of service.
Sound Investment Philosophy – While every situation is unique, we believe that a discipline approach to investment management is the key to financial success.
Online Performance Reports - We provide our clients with a consolidated performance report, which will help you understand how you are invested and how your portfolio is performing.
Help With Your 401(k) Allocations - Our “24/7 (401K) Advantage” tool will help guide you throughout your employment by providing custom and up-to-date allocation recommendations.
Income Strategies - Our planning offers many choices designed to pursue predictable income for the duration of your life.
Professional Team - Our All-Star Team is knowledgeable, friendly, professional and passionate about providing our clients with a First Class Retirement Experience.
Honesty and Integrity - We will always be forthright and tell you what you need to hear; although it may not necessarily be what you want to hear.
Townsend is a wealth management firm dedicated to helping our clients achieve their retirement goals through sound financial planning and successful investment management. By having a clearly stated set of values and processes that Townsend employs for each individual, our certified financial advisors are able to put together individualized plans that meet the retirement needs for each client, as no two clients are alike. Whether you are already a client or an individual looking for financial planning guidance as you consider your future, with Townsend you can expect to receive a first-class experience.
INITIAL CONSULTATION
Surprising as it may seem, Townsend is not for everyone. In order for us to provide a first-class retirement planning experience, we need to conserve our resources. We specialize in helping our existing clients and those who:
Are looking for help. (If you can “do it yourself,” you don’t need us.)
Are seeking a relationship with an experienced and knowledgeable advisor.
Want a financial roadmap to help them have a richer retirement.
Have investments, including employer-sponsored plans.
If you fit the above criteria and would like to talk with us further about your financial needs, please either call us at 303.452.5986 or toll-free at 1.800.578.9896 for a free consultation, or click here to fill out our online Inquiry Form, and we will contact you as soon as possible to discuss your needs. We look forward to hearing from you and would be happy to answer any questions you have.
Be assured that all information is completely confidential whether you become a client of ours or not.
Just as you would interview us for a long-term relationship, we will evaluate the information you provide to determine how our services “fit” with your needs and objectives. In all fairness to our existing clients, we have established minimum criteria for new clients so we can continue to provide the highest level of service possible for everyone.
FINANCIAL PLANNING PROCESS
What is financial planning? According to the College for Financial Planning, Standards of Professional Conduct, financial planning is “the process of determining whether and how an individual can meet life goals through the proper management of financial resources.
At Townsend we will work with you to identify your short term and long term goals and prioritize them accordingly. Our financial planning process consists of the following steps:
Identify goals and objectives
Gather data
Analyze and develop plan
Present and implement plan
Monitor and update plan
Our financial plans consist of the following subject matters:
Cash Flow Analysis: Analyzing a client’s income, expenses, and overall financial position to determine resources available to meet goals
Retirement Planning: Determining a client’s ability to maintain a desired lifestyle throughout retirement, how best to save for and fund retirement expenses, and how best to utilize Social Security and other pension benefits.
Insurance Planning: Addressing and planning for risks such as financial emergencies, disability, unemployment, medical expenses, or premature death.
Investment Planning: Developing investment strategies that will minimize risk while providing sufficient returns needed to meet the client’s goals.
Education Planning: Determining the most effective means to save and invest for education expenses.
Estate Planning: Analyzing wills, trusts, powers of attorney and other documents to determine if current strategies will effectively transfer the client’s assets to heirs at minimal cost.
Employee Benefits Planning: Analyzing a client’s employer-sponsored benefits options to make best use of health insurance, disability insurance, retirement plans, and other employee benefits.
Tax Planning: Managing taxes effectively during both pre-retirement and post-retirement years.
Here at Townsend, our financial advisors working in association with our financial planners put together a financial plan specific to the circumstances of the individual. No two plans are alike and are built to address the specific needs of the client. As a planning client of Townsend you will be able to track your progress year by year by updating your plan on an annual basis or as needed depending on your changing circumstances. Our planning process is designed to help you achieve your lifetime goals and aspirations and help you create an actionable roadmap.
We look forward to hearing from you and would be happy to answer any questions you have.
Be assured that all information is completely confidential whether you become a client of ours or not.
Please Note: The scope of any retirement planning, financial planning and consulting services to be provided depend upon the terms of the engagement, and the request and needs of the client. Townsend & Associates, Inc. does not serve as an attorney or accountant. Townsend & Associates, Inc. does not prepare estate planning documents or tax returns.
Jeff is the CEO and founder of Townsend, which was established in 1990. He is a well-known financial educator and the author of The Master Plan: Retirement Strategies for the Best of Your Life and The Road to Retirement: Everything You Need to Know for a Successful Retirement. Jeff brings with him over thirty years of experience specializing in retirement planning and investment management. He has been a guest on 9NEWS, WB2 News, CBS4, KMGH-7 News, and has been a contributor to Money magazine. Jeff is a Chartered Retirement Planning Counselor™ and is a member of our investment committee. Jeff@TownsendRetirement.com
As empty nesters, my wife Cayle and I hope to discover more of America. We have two beautiful daughters, Nellie and Emma, who are starting their careers, and I now get to call myself a father in-law to Jared and grandpa to our first grandson Eli! Our goldendoodles have captured our hearts and become part of our family! Outside of the office, I enjoy cruising the countryside on my Harley, hiking, golfing, skiing, snowshoeing and spending time outdoors.
Shawn is the President and Chief Compliance Officer of Townsend. He has been actively involved in the securities industry since 1999. Shawn is a Chartered Retirement Planning Counselor™ and is a member of our investment committee. Shawn@TownsendRetirement.com
I was born and raised in Alliance, Nebraska and attended Doane University on a football scholarship. Outside of the office, I spend a considerable amount of time outdoors enjoying nature at its finest. A place I visit often is my lake house at Lake McConaughy.
Senior Vice President and Chief Investment Officer
John Goltermann, CFA® CGMA®
Senior Vice President and Chief Investment Officer
John has spent 31 years in investment management for high-net-worth and institutional clients. As a former senior vice president and partner of Aspen-based Obermeyer Wood, he was responsible for the firm’s global equity strategy and provided the firm’s equity portfolio management. John has also been a key person in building several investment management businesses. John has a background in accounting and finance having earned his MBA from Arizona State University, as well as the Chartered Financial Analyst (2000) and Certified Public Accountant (2002) credentials. John is the recipient of numerous academic and professional awards and has been a regular source of opinion for major financial news outlets including CNBC, Fox Business, Barron’s, The Wall Street Journal, Bloomberg and Grant’s Interest Rate Observer. John@TownsendRetirement.com
I was raised in the suburbs of Chicago and moved to Colorado after I graduated high school. I love the challenges of investment markets, but apart from work I enjoy outdoor activities, especially skiing, fishing, tennis and walking our dog Bridget. I also love staying home — cooking, reading, and playing board and card games with my three girls who are all growing too fast.
Terri is our most tenured financial advisor at Townsend, next to Jeff, and is in charge of training new financial advisors. Terri is a Chartered Retirement Planning Counselor™ who works with new and existing clients on all aspects of their retirement planning and investment management needs. Terri has been a guest on CBS4. Her expansive knowledge in the financial industry is a tremendous asset to our firm. Terri@TownsendRetirement.com
I enjoy spending time with family, which is growing by the day. Between my husband and I, we have 6 grown children and 12 grandchildren (and counting). I am a native to Colorado and grew up in a large Italian family. So having large family gatherings is normal for me. I also enjoy summertime in Colorado as my husband, Mark and I will take our 5th wheel and head to the Mountains to enjoy the beauty and relaxation from the mountain air. After all this, I do still find time to work and passionately love helping each and every one of our clients. They are like family!
Mark is a financial advisor who joined the financial industry in 1989. Mark has a wide range of knowledge and experience covering multiple decades. He brings unique expertise to the team which aids him in offering comprehensive financial plans to both new and existing clients. Mark is passionate about helping clients reach their goals. Mark is also a member of our investment committee. Mark@TownsendRetirement.com
I’m a native to Colorado, so growing up here I have spent a great deal of my time enjoying the outdoors and everything our beautiful state offers. I enjoy hunting, fishing, camping, hiking, and just about anything else that gets me outdoors. Between my wife, Terri, and I we have 6 grown children and 12 grandchildren (and counting). We are blessed to have a wonderful, blended family. My wife, and I also enjoy taking our 5th Wheel, in the summertime, to enjoy the beauty and relaxation that the Colorado mountains offer.
Drew has been a financial advisor with Townsend since 2014 and has over 20 years of experience within the financial industry. Drew is passionate about building and retaining relationships as he helps clients achieve their financial goals by listening and helping to develop a plan that is customized for the client. Drew is a chartered retirement planning counselor and is a member of our investment committee.
I was born and raised in Nebraska. I attended Doane University and was a member of the football and golf teams. My wife Anna and I have two sons, Austin and Connor who are active in a number of sports which keeps us busy. In my free time, I enjoy traveling, golfing, and hiking with our family which includes our golden retriever Chili.
Steve joined Townsend as a Financial Advisor, bringing with him comprehensive financial planning experience from both large and independent companies. Steve also possesses 15+ years of leadership experience which afforded him the opportunity to coach and develop a diverse group of individuals to help them achieve their professional goals. His leadership and financial industry experience has enabled him to build lasting relationships and help clients reach their financial goals. Steve values the importance of relationships built on trust, respect and integrity, and has a passion for helping clients achieve their retirement milestones. Steve holds various industry licenses including the Certified Financial Planner Professional™ designation and Chartered Retirement Planning Counselor™. Steve is a member of our investment committee. Steve@TownsendRetirement.com
I was born in Denver, but grew up in Nebraska where I graduated from University of Nebraska-Lincoln with a B.S. in biology. My greatest joy in life is spending time with my son Beckham and attending his numerous athletic events.. I enjoy basketball, running, golf, camping, skiing, hiking and enjoying all that Colorado has to offer.
Rick joined Townsend as a Financial Advisor after 10 years of working as an advisor for other firms. His past experience provides him with a great depth of financial planning knowledge. Rick works with clients to help them achieve their long term goals and bring into focus areas of financial planning they might not be thinking about. He prides himself in building long lasting relationships and working with multiple generations of families. Rick holds various industry licenses and the Certified Financial Planner Professional™ designation. Rick@TownsendRetirement.com
I graduated from the University of Idaho with a B.S. in Business Finance and Economics. Outside of work I love to spend time with my girls: my wife Jennie, daughters Ella and Ivy, and our three dogs Clara, Sophie and Mikkaa. When we are not at a dance activity for our daughters, we like to spend time outside barbequing with friends in the summer, or having family movie night in the winter. Jennie and I have lived in Idaho, California, and Arizona before moving to Colorado in 2014. I am always up for trying something new and have recently began bow hunting and playing ice hockey.
Drew is a key person in Townsend’s investment process and trading function, performing securities analyses, manager due diligence and macro assessments. Prior to his position with Townsend, Drew served as the vice president and analyst of Highgate Securities Investments, and equity portfolio manager at Gallacher Capital Management, LLC. In 2004, he co-founded Madison Street Partners, LLC, in Denver, Colorado, serving as lead portfolio manager for the Madison Street Master Fund, SPC, a long/short equity strategy with a focus on the financial, consumer, technology and media sectors. Drew was awarded the Chartered Financial Analyst (2000) designation in September 2000. Drew.Hayworth@TownsendRetirement.com
I was born and raised in North Carolina. I attended Vanderbilt University in Nashville, Tennessee on a golf scholarship. In my free time, I enjoy playing golf with my son, fishing for big redfish in the low country of South Carolina and taking our two English Cream Golden Retrievers Max and Bentley for runs and hikes. My son and I are also avid baseball fans. Go Yankees!
Sallie holds a Juris Doctor in Law and has practiced as an attorney in California and New York. Sallie is not licensed to practice law in Colorado nor is she registered with Securities America, Inc. Sallie’s role at Townsend is to review clients’ existing estate plans, if they have them, or to inform clients of plans they should consider putting in place for asset protection, probate avoidance and tax minimization. Sallie assists with the creation and development of clients’ plans by collaborating with the client’s attorney (or Townsend’s preferred estate planning attorney) to ensure their plan is successfully implemented. Sallie is passionate about educating clients on the importance of estate planning and helping them prepare for the distribution of their estate.
Sallie has obtained her designation as a Certified Professional Retirement Coach (CPRC). A Retirement Coach will help you explore all aspects of designing a dynamic and rewarding retirement lifestyle and will serve to guide you towards implementing a plan of action. Broadly speaking, retirement coaching is the process of helping you prepare for and transition into everyday retirement life. Sallie@TownsendRetirement.com
I was raised in Cincinnati, Ohio and have practiced law in New York and California. I moved to Colorado over fifteen years ago and I love the sunshine and beautiful mountains here. I have two adult children that I like spending time with. I enjoy attending cultural events, reading, Pilates and pickleball. I have a grey cat named Lily and a Corgi named Marzipan.
Tiffany’s primary role is to assist the advisors in developing and updating retirement plans for new and existing clients, answering client questions, investment research and placing trades. Tiffany has been in the banking and securities industry since 2002 and holds multiple industry designations, which include Certified Financial Planner™ and Chartered Retirement Planning Counselor™. Tiffany is a member of our investment committee. Tiffany@TownsendRetirement.com
I am from South Dakota and attended college in Nebraska. My career path brought me to Colorado where my husband Darryl, dog (Coco) and I call home. All of our family is out of state in Wyoming, South Dakota, Texas and East Coast in New York, Virginia and Georgia. I cherish time with family and friends, I love to travel to any beach and I enjoy watching NBA basketball! I attempt to garden in my spare time.
Jonathan’s primary role is to assist the advisors in developing and updating retirement plans for new and existing clients, answering client questions, investment research, and placing trades. Before joining Townsend, Jonathan had been running his own consulting business and primarily worked with dental and orthodontic practices. Jonathan has been in the finance industry since 2007 and holds multiple industry designations, which include Certified Financial Planner™. Jonathan is a member of our investment committee. Jonathan@TownsendRetirement.com
I grew up in Minnesota but left for the West a few years after college. I now call Colorado home, where I live in the Applewood neighborhood with my bride Emily and our children, Lily and Levi. I am an avid outdoorsman, so you can often find me taking advantage of Colorado’s beautiful landscape, hiking, camping, and snowshoeing. As a family, we enjoy exploring outside Colorado, from road trips through the western U.S. to international adventures.
Grace’s primary role is to assist the advisors in developing and updating retirement plans for new and existing clients, answering client questions, investment research and placing trades. Grace has worked in the financial services industry for over eight years and holds multiple industry designations, which include Certified Financial Planner™ and Chartered Retirement Planning Counselor™. Grace is a member of our investment committee. Grace@TownsendRetirement.com
Grace graduated from Bentley University in Waltham, Massachusetts. After living in Portland, Oregon for eight years, she recently relocated to Arvada. She enjoys gardening, golfing and spending time outdoors with her husband and dog. In her spare time, she loves trying new breweries and visiting friends and loved ones across the country.
A.J.’s primary role is to assist the advisors in developing and updating retirement plans for new and existing clients, answering client questions, investment research and placing trades. A.J. has been in the financial industry for over 15 years and holds multiple industry licenses in addition to the Certified Financial Planner™ Professional designation. A.J. is a member of our investment committee. A.J. Holmes is not affiliated with Securities America, Inc. AJ@TownsendRetirement.com
I was raised in Arizona and moved to Downtown Denver shortly after college to explore a new environment and take advantage of all the activities Colorado has to offer through the seasons. After spending several years in Denver, I met my wife Kelley and we moved to Arvada. We enjoy spending time in the Olde Town Arvada area with our identical twin girls Emery and Raegan and our dog Rui. When time allows, I enjoy playing basketball, snowboarding, and golf among many other activities.
Kaitlin has spent her career working in many aspects of the finance industry, bringing with her a wide array of skills and experiences. Prior to being a Financial Planner, she was a stellar asset to our client services department handling asset transfers, new business, assisting clients in preparing retirement paperwork. Because of her core industry knowledge and vast experience within the company, Kaitlin excels at developing and updating retirement plans, assisting advisors and having conversations with clients. Katlin holds the Certified Financial Planner Professional™ and is a member of our investment committee. Kaitlin@TownsendRetirement.com
I was born in Atlanta, Georgia and moved to Colorado at a young age. I enjoy spending time with my family, as we are very close. My husband, Chad and I have two boys (Brooks and Maverik), a yellow lab Odin and our great pyrenees pointer mix rescue, Loki. I enjoy playing tennis, golf, racquetball and volleyball. My favorite to watch is definitely football – I like sports a lot! Outdoor activities that I enjoy are boating and all things that go with it: skiing, wakeboarding, tubing, knee boarding and camping – I love being at the lake and travelling with my family.
Renee brings several years of experience from the brokerage and tech industry. Her attention to detail makes the process of opening an account clear and straightforward for clients. She is responsible for asset transfers, processing new business, assisting clients in preparing retirement paperwork, and working with clients on any service related issues. Renee@TownsendRetirement.com
I was born and raised in Westminster, CO and haven’t moved very far. I enjoy spending my free time with my family and friends. I have a wonderful son and we enjoy going to the movies, eating at local restaurants, and walking our dog. I love the beach and vacationing in Hawaii, spending as much time there as possible. I’m always looking forward to my next trip.
With over a decade of experience in the financial industry, I bring a wide array of skills and experiences that help navigate the ever-changing world of finance. In my role, I most enjoy building trust, deepening relationships, and assisting clients achieve their personal and financial goals. Kimberly@TownsendRetirement.com
Born in the Central Valley of California and raised in Golden, Colorado, I naturally love all things related to the outdoors and that is full of adventure. In my free time, you can find me off the beaten path typically hiking, camping, boating, fishing, hunting, snowmobiling, cruising around UTVs, and/or relaxing at one of the many hot springs Colorado has to offer.
Mia's passion for helping others led her to pursue a career in financial services in 2014. With compassion and thoroughness, she helps Townsend clients. In addition to holding the Series 65 license, she is currently working towards achieving the prestigious CERTIFIED FINANCIAL PLANNER™ certification. Mia@TownsendRetirement.com
In her spare time, Mia enjoys spending time with her family (and many pets), horseback riding, traveling the world, and as an animal lover, volunteering whenever she can.
Marah's role at Townsend involves providing invaluable assistance to Financial Planners, leveraging her expertise to streamline operations and enhance efficiencies. Over the past decade, her diverse journey in the financial and tech industry has spanned various sectors, including banking, brokerage, alternative investments, and mortgages. This rich experience has equipped her with a comprehensive understanding of the intricacies of the financial world, demonstrated through meaningful contributions that involve exploring and optimizing operational strategies.
I was born and raised in Denver, Colorado. As a child, I was always intrigued by finance. I vividly recall being turned away at the bank because I was too young and needed my parents to open an account. Since then, I have been fueled by a genuine passion for sharing financial knowledge and exploring innovative ways to make a lasting impact. In my free time, I enjoy exploring the outdoors, playing tennis, attending concerts, and taking care of my plants.
Corinne’s primary role to empower the client relations team. Her responsibilities include supervising appointment books, helping facilitate client events and assisting where needed within other departments. Corinne is an exceptional addition to the client relations team, going above to serve Townsend clients. Corinne@TownsendRetirement.com
My husband and I spend most of our spare time watching our two boys, Jace and Cade play baseball. I don’t mind it at all though, I love spending time with my family, both on and off the field. You could say my hobbies are my boys, I am proud to be actively involved in their lives. When I’m not at the baseball fields I enjoy going on walks and cooking, I particularly like making and eating Italian food … my favorite! I attended Arvada High School, and was a part of the last graduating class of the Redskins. I am happy to still call Arvada home.
Trish has worn many hats in the company, working as an administrative assistant and now as our client relations specialist. Her responsibilities include scheduling appointments, making confirmation calls, helping coordinate client events, and assisting in numerous other client related projects. Trish complements the Townsend team with her passion for providing great customer experience to our clients. Trish@TownsendRetirement.com
I was born and raised in Iowa, but have called Colorado home since 1991. I am married (Greg) and we have two (2) children. Our son Chase is a University of Colorado graduate, lives in New York and works for Nespresso and our daughter Camryn is a Colorado State University graduate and works for the Denver Broncos. As a family we enjoy spending time together at home, visiting family/friends and spoiling our pups: Tebow and Wilson (yes, we are die-hard Broncos fans). In my spare time I love to cook, take long walks, watch football or movies and sip wine with the girlfriends. My motto is: always find the bright side of life.
April is the first friendly person you meet when you visit our office. She is responsible for handling incoming calls, providing assistance to the office staff and handling all office inventory. April@TownsendRetirement.com
I was born in San Antonio, TX but moved to CO when I was a year old. I have called Thornton home for most of my time in CO. I married Charles in 2000 and we have two daughters. Our oldest is a freshman in college studying nursing. Our youngest daughter is starting middle school. I love the mountains and the beauty of Colorado. In my spare time, I love flipping furniture and I love to sing! If I could pick my dream job, it would be to sing! I have had the honor to sing the National Anthem for many sporting events, including the Mammoth, Denver Cutthroats and DU hockey games. My dream is to sing the National Anthem for a Bronco’s game! #GOBRONCOS For now, I sing on the weekends at my church on praise team which I love. I am so grateful to be at Townsend and I look forward to meeting you.
Linda joined the Townsend team in 2010 and recently relocated to Arizona as her husband landed a great career opportunity. Linda’s ability to build deep-rooted relationships with clients brought undeniable value to our firm; therefore, how could we say goodbye? We wanted Linda to continue sharing her genuine desire to connect and engage with clients – as a result, Linda is now responsible for contacting clients making sure that needs are being met and if additional assistance can be offered. Linda@TownsendRetirement.com
I am a Colorado native and grew up in Arvada; my husband, CJ and I also raised our 4 kids in Arvada. I started working for Townsend in 2010 in Client Relations. CJ’s job has moved us to Scottsdale, AZ where I work in a remote, part time role where my job is to call our clients and check in with them. We have 4 children, 3 of which are married and currently have 7 grandchildren with more to come. I love hiking, being outside, college football, hanging out at the pool, traveling but probably most happy just CJ & I being with our kids, their spouses and grandkids.
Christine’s primary responsibility is document control, including both paper and electronic files. She also provides our administration staff support by answering incoming calls and directing them to the correct person.
Nothing gives me greater joy and pride than motherhood; the ability to grow and learn more about myself and the world by raising and watching my child flourish into another amazing, independent strong spirit. It’s pure selflessness and love. I thoroughly enjoy the masochistic pain and the natural high associated with intense workouts, followed by debilitating soreness. Solitude is my best friend when I need to recharge. I might secretly hug trees and find their Zen-ness awesome – nature brings me happiness! Beer, wine, bourbon … yes, please.
Savanna has been in the events industry for the past decade. She spent the past two years planning statewide educator conferences and before that she spent time working at Regis University, where she is an alumna. She is excited that her work at Townsend will allow her to work more closely with those she is planning the events for. She can’t wait to get to know all the wonderful Townsend clients! Savanna@TownsendRetirement.com
Savanna is a Colorado native, having grown up right by Sloan’s Lake in Edgewater. She has a French Bulldog that she adores and when she isn’t spending time with him she is walking around a beautiful park in the city, trying new coffee shops or restaurants or attending a game to support any Denver sports team. She enjoys cooking and reading in her free time.
Megan is responsible for coordinating and handling all arrangements for the Townsend social clubs. She helps facilitate special fundraising events to help support our community in addition to building relationships with outside charitable organizations. Megan also assists in merchandise and client events. Megan@TownsendRetirement.com
I was born and raised in beautiful Colorado, but the ocean was calling my name. So, I headed off to Salve Regina University in Newport, RI for college. After four years of college, my family, friends, and my family's golden retriever, Oakley, brought me back home and I have been in the Boulder area ever since. I loves to play a light game of golf, go boating with my family, and drink wine with my roommates and friends during the weekends. My side hobbies are going to flea markets and antique shops searching for the best hidden treasures to organize and decorate my home, as well as playing with my new puppy, Maple.
Nato’s primary duty is to protect our clients and the firm from inherent risks. These duties cover most facets of the firms daily operations including trade reviews, to ensure our clients received the best execution price, all the way to confirming every piece of correspondence has been properly documented. Nato spent nearly a decade overseeing a nationwide network of 500+ offices for Scottrade/TD Ameritrade.
As a Colorado native who grew-up in Golden, I have an affinity for the outdoors. Due to my love of Colorado I attended the University of Denver and received a BSBA in Finance and Accounting. During my time at university I came to appreciate the city the same way I love nature. I spend my free time hiking and or taking the bicycle up Lookout Mountain. I can often be found enjoying a post ride craft beverage from one of Colorado’s world famous microbreweries on the weekend. Go Rockies!
David’s role as Project Manager is to collaborate with the staff to identify and complete various operational and technology initiatives. Additionally, he is the in-house IT support specialist and has been involved in the securities industry since 2010. David@TownsendRetirement.com
I’m a native Texan, lived in Florida as a toddler, grew up in New York, and have called Colorado home since 1997. I live in Reunion with my wife Andrea, son Aiden, daughter Ava, and our chihuahua-terrier Max. In my free time when I’m not on the course trying to play golf or laying down stripes on my lawn, you can find me with family and friends.
*Please Note: Limitations. The achievement of any professional designation, certification, degree, or license, recognition by publications, media, or other organizations, membership in any professional organization, or any amount of prior experience or success, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Townsend & Associates, Inc. is engaged, or continues to be engaged, to provide investment advisory services.
As one of Colorado’s financial services firms, Townsend has a commitment to improving and sustaining our local communities. Townsend is proud to support organizations working to strengthen our communities. Through the efforts of our Townsend team volunteers and our contributions, we share our success within the community by giving back to nonprofits like The Salvation Army, A Precious Child and educational institutions such as Front Range Community College. If you are ever interested in volunteering with Townsend, please contact us for upcoming opportunities at Savanna@TownsendRetirement.com.
Wish For Wheels | Beesley Bike Build
Beesley Bike Build 2021
Wish for Wheels is a 501(c)(3) nonprofit organization that gives brand new bicycles and helmets to kids in low income communities. Founded in 2004, their first giveaway made it clear that the bikes bring health and happiness into students’ lives and for that reason this organization is committed to making a difference. The unique model bundles corporate philanthropy, team building, and employee engagements through bike builds, to deliver brand new bikes to kids in the community. They are successful thanks to the generosity of corporate partners and volunteers in the community.
In 2021 Officer Gordon Beesley was ambushed in Arvada for being in law enforcement, wearing the badge, serving and protecting our community. During the service, Pastor Jim Burgen said: “Go home and love your family better. Love your wife. Dance in the living room. Listen to your kids with understanding this time. Bring fresh flowers home. Play music. Drink wine. Laugh more. BUY A KID A BIKE. Find the balance between order and mercy” — it was in that moment that Beesley’s Bike Build was born. Moving forward this annual event will be in honor of Officer Gordon Beelsey.
Townsend will adopt a low income, Title I school every year, leaving behind a “Beesley Station” street sign for the students to remember who is there to encourage and support them in building a daily healthy lifestyle.
7 Everyday Hero Award
The 7Everyday Hero Award is presented to Coloradans who are making a difference in their community. Congratulations, Jeff Townsend!
The 7Everyday Hero Award is issued by the Denver 7 News to Coloradans who are making a difference in their community. There were no fees paid for this award and clients were not consulted. The award was presented to Jeff Townsend to acknowledge the charity and generosity of the Townsend Foundation. For more information, please visit https://www.denver7.com/news/7everyday-hero Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.
The Salvation Army
William Booth, the founder of The Salvation Army, was a special type of person, dedicating his life to helping individuals in London who were considered outcasts of society — the homeless, the hungry, the poor and the destitute. Because an army can do more than individuals working independently, these social and spiritual visionaries have joined forces to form an elite group known as the William Booth Society. Jeff Townsend and wife Cayle Townsend became members of the George Scott Railton Circle of the William Booth Society in 2007, one of the most prestigious donor organizations.
It takes a special type of person to give of one’s self to make life better for others. Jeff Townsend is one. He is someone who is always looking for ways to give back to the community and help those in need. Jeff makes it a priority to make sure The Salvation Army is always involved in the company’s big events. Townsend puts on an annual client conference where we ask all clients who attend to bring perishable items for The Salvation Army. Come winter, we pair up with other local businesses, organizing a coat drive. As an industry expert and top financial advisor, Jeff Townsend has received several awards. With these awards, Jeff can receive a plaque or make a donation in his name to the charity of his choice, and Jeff always asks for a donation to be made out to The Salvation Army. Recently, Townsend received an award from The Salvation Army for Doing The Most Good through various contributions.
Like the founder of The Salvation Army, Jeff Townsend sees the potential to change the world by redeeming the lives of the lost. The time, effort and contributions made by Jeff Townsend empower the Army to provide life-changing programs and services in other local communities. Townsend believes that every life changed is a shining victory, a victory that expresses compassion and commitment. As a team, we feel blessed to be given the opportunity to make the difference in the world. On behalf of the Townsend team, Jeff Townsend has inspired us to bring new hope, fresh beliefs and shine the light on those in need. Through Jeff Townsend’s various charitable efforts, we have learned to become an army of salvation. To learn more about The Salvation Army, visit their website.
Colorado Fallen Hero Foundation
The Colorado Fallen Hero Foundation is a 501(c)(3) non-profit organization made up of Colorado law enforcement officers and civilian personnel who serve in a voluntary capacity.
When a line of duty death occurs, the Colorado Fallen Hero Foundation can assist, support, and provide resources for a host agency in their effort to serve the deceased officer’s family based on their needs and wishes. Their presence allows agency members to participate in honoring their colleague without the pressure of funeral planning, allowing them an appropriate time to grieve. Planning a line of duty death funeral while handling the associated investigation and the routine of the everyday call load can overwhelm any agency. CFHF’s team of professionals integrates with agency personnel to assist with funeral planning to whatever extent the family and the agency desire. Horan & McConaty donates their services and provides a casket or an urn at no charge. Over the course of the last 30 years, H&M has donated their services for nearly 30 public safety officers. Additionally, John Horan provides consultation services to the organization regarding process and ceremony.
In addition to providing line-of-duty death response and memorial planning, the CFHF is proud to provide peer support and mental health resources for agencies that do not have access to such resources. In partnership with Dr. Sara Metz and Code 4 Counseling, they are able to deploy a team of trained public safety peer support professionals anywhere in the state to assist agencies dealing with a line-of-duty death. They understand the impact such a tragedy has on an agency and a community and want to ensure that they are taking care of their fellow officer and family. CFHF’s services are provided at no cost to the agency or the family because of community support.
Here at Townsend we feel honored to support their mission by sponsoring their annual gold tournament and gala. In addition, Townsend puts out Fallen Officer campaigns, matching 100% of all donations made by clients.
Wounded Warrior Project
Wounded Warrior Project® (WWP) serves veterans and service members who incurred a physical or mental injury, illness, or wound, co-incident to their military service on or after September 11, 2001 and their families. On that date, America watched in horror as approximately 3,000 people died including hundreds of firefighters and rescue workers. Many warriors note a sense of duty to volunteer for the military following these tragic events.
Sept. 11 also served as a stimulus for Operations Iraqi Freedom, Enduring Freedom, and New Dawn. Operation Iraqi Freedom refers to military operations in Iraq that began March 19, 2003 and officially ended August 31, 2010. Operation Enduring Freedom refers to combat operations in Afghanistan and other regions in support of the Global War on Terror. Operation New Dawn refers to the conclusion of operations in Iraq beginning September 1, 2010 and ending December 15, 2011.
Townsend Retirement Specialists has become a donor to the Wounded Warrior Project in hopes of making a difference in those who served on the battlefield. If you are interested in learning more or making a contribution to the Wounded Warrior Project, please visit their website.
A Precious Child — Supporting Children in Colorado
The number of children living in poverty has grown faster in Colorado than anywhere else in the nation. The 2010 Kids Count in Colorado report found the number of Colorado children living at or below the federal poverty level has risen 72 percent between 2000 and 2008 and the number of children in Colorado public schools eligible for free or reduced lunch grew by 38 percent in 2007. Ensuring that children are properly clothed and have the necessary supplies to participate in school can have a dramatic effect because it helps children stay in school, promotes learning, and encourages self-esteem.
Townsend Retirement Specialists has been a sponsor of A Precious Child since 2009. To learn more about how you can become involved with A Precious Child, visit their website.
Tunnel to Towers Foundation
At Townsend, we’re devoted to showing up for those who boldly show up for us. Therefore, we have partnered with the Tunnel to Towers Foundation. This organization is committed to ensuring we never forget the events of 9/11 and the sacrifices that were made and continue to be made by our first responders in the line of duty. Through the Fallen First Responder Home Program, Tunnel to Towers aims to pay off the mortgages of fallen law enforcement officers and firefighters killed in the line of duty that leave behind young children. The Foundation’s goal is to ensure stability and security to these families facing sudden, tragic loss.
The Wild Animal Sanctuary
The Wild Animal Sanctuary offers an incredible 10,500+ acres of natural habitats for its rescued animals to enjoy... and is home to more than 600 rehabilitated animals. They have three facilities which represent the largest carnivore sanctuaries in the world, and are designed and built like no others in existence. Everything about their three facilities are designed to ensure the animals' welfare remains top priority, even with the numerous modern comforts they provide our guests. We believe that The Wild Animal Sanctuary have become true pioneers when it comes to creating large acreage natural habitats for our animals to live in... and have also built the World's longest elevated footbridge just so visitors can see the animals without putting undue pressure on them like zoos and other ground-based displays do. Learn how our "Mile Into The Wild" walkway has changed the way animals are viewed - and how its 1.5 miles of elevated bridgework provides unwavering protection to hundreds of Lions, Tigers, Bears, Wolves, Leopards and many other rescued large carnivores.
Why did we choose the eagle to represent Townsend? An eagle symbolizes new beginnings and life changes along with the strength and resilience to endure difficult times, while having the courage to look ahead. An eagle stands for honest and truthful principles while inspiring to reach the highest standards.
— Jeff Townsend, President and Founder
Townsend is one of Colorado’s leading retirement planning and investment management firms. Founded in 1990, we focus primarily on helping those who are 50 years old and beyond who are seeking retirement planning. We are dedicated to the prudent stewardship of our clients’ wealth through our active portfolio management strategy together with the highest level of personalized client service.
The founder and president, Jeffery E. Townsend, has built the company into a comprehensive retirement planning firm providing the service and expertise people deserve.
We are dedicated to helping our clients pursue a first-class retirement. It is our belief that planning well leads to retiring well.
How do we know if Townsend is acting in our best interest?
You need to know that your financial advisor is always working in your best interests – and only your best interests! Our staff prides themselves on their integrity, in where all services provided are in your financial best interests. In fact, we have a legal obligation to do just that (called a “Fiduciary Duty”). Our fee structure is totally transparent, and we freely share it with you. Any potential conflict of interest is disclosed prior to your making any decision. Bottom line: Our fundamental commitment is to you and your financial well-being.
What should be included in our financial plan?
Your overall financial picture includes more than just a plan for your financial investments. At Townsend we work hard at guiding you through all aspects of your financial plan – which includes your estate plan, risk management, tax information, Social Security and Medicare along with health insurance during retirement. Our goal is to educate and prepare you for all aspects of your retirement years. Townsend works diligently to have clients understand how all elements of their plan have to be in place in order to help avoid any devastating financial surprises in the future. We have relationships with professionals in all the above disciplines who are eager to direct you through each retirement tangent, helping you to create another rock-solid long-term plan.
Why do we need to invest in securities?
If you want or need to earn more than what you might make in a bank savings account or CD, you will encounter some level of risk and volatility. You can minimize this risk/volatility by how you are diversified between various asset classes but you can’t eliminate it.
Before you invest, it’s a good idea to know what you can reasonably expect from the stock market. History (over the past 100 years) tells us that on average, one can expect three 5% declines per year, one 10% decline every two years, and a 20% decline every three and a half years. However, after every decline, the market has recovered 100% of the time and has gone on to reach new highs. It’s also good to know that during the same time period the market is up three out of the four years.
You will want to know that your financial advisor has the investment acumen to invest your life savings in such a way that allows you to sleep at night. It’s crucial to be patient as an investor. Rather than focusing on the returns over a short period of time, perhaps a year, try to consider the bigger picture such as your returns over an entire market cycle, which could possibly be seven to ten years. As Warren Buffet once said, “The market is an efficient mechanism for transferring wealth from the impatient to the patient”.
Investing is typically necessary to maintain your lifestyle in retirement and can be a very emotional journey. At Townsend, we help educate you on the hows and whys of investing, and work hard at tailoring an investment portfolio that you can be comfortable with.
Why isn’t Townsend a good fit for everyone?
You need to know the truth about your financial situation good or bad. At Townsend, we deal in facts and financial reality. And then, within that reality we will help you embark on the financial course needed to meet your long-term financial objectives and retirement goals. Townsend advisors are required to make decisions that put the interests of clients first. This is known as the Fiduciary Rule. In rare cases, we discover a prospective client’s needs or investing temperament really does not fit the Townsend philosophy. If that’s the case, we structure an open conversation and share how our objectives differ. When we see a prospective client wanting something that Townsend simply does not believe in, we have no issues communicating that their needs are better met through a different financial firm.
Why does Townsend use an independent custodian?
There are some corrupt advisors (remember Bernie Madoff?) that have bogus client account statements that purport to show a client’s current account balance. Clients are unable to independently check the actual status of their accounts in those situations, and must rely solely on the statements provided to them. And in some cases (think Ponzi schemes), the account statements are worthless. These situations can be disastrous for the client later when they find out the accounts they thought held significant value are - in fact - worthless. With Townsend, you can always check your account balances with the reputable custodians who actually hold your money.
Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Investment advisory services offered through Townsend. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
Securities licensed in the following states: AK, AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SD, TN, TX, UT, VA, WA, WI, WY
Insurance licensed in the following states: AR, AZ, CA, CO, FL, GA, IA, ID, IL, KS, KY, MI, MN, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SD, TN, TX, UT, VA, WA, WI, WY
