My name is Kristi Sullivan and I have been helping people achieve financial security since 1996. I am a fee-only financial planner and public speaker. I do no investment or insurance sales for commissions. My clients pay me for guidance through their financial questions. I also work with employers to educate their employees about personal finance. I have been helping people make financial decisions for 18 years. I have worked in employee benefits and with individual clients/families. I hold the Certified Financial Planner designation. Sullivan Financial Planning, LLC is a Registered Investment Advisory firm with the State of Colorado. Areas of expertise include prioritizing savings goals, investment allocation, and wealth manager searches.

Bad Habits = Higher Retirement Spending

Nothing makes me more stressed than listening to Alison Janey on those Kaiser Permanente commercials encouraging preventative care so that we all “Thrive.”  She’s a highly paid actress.  What about the rest of us who worry about our money lasting through retirement?   First, a terminology lesson.   Life Expectancy, a term that’s used a…

5 Free Exercise Apps

Getting tired of the same neighborhood walking route?  Looking to freshen up your workout without breaking the bank?  Here, recommended by friends, are 5 exercise programs ideas that are inexpensive and Dr. Brix approved*.   Yoga with Adriene on YouTube Nearly 8 million subscribers can’t be wrong!  From Yoga for Golf to back pain relief…

Using Annuities in Retirement

Annuities are a big business.  In 2019 $57.8billion in annuities were sold according to the Insured Retirement Institute.   What’s the appeal?   First, let’s remember that there are many kinds of annuities: Fixed, variable, immediate, and deferred are the main categories.  There are about 1,000 permutations under those categories. Second, I don’t sell any…