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.

WTF is a Qualified Opportunity Zone?

Welcome back to my WTF (What the Finance) series!   Are you experiencing FOMO because all your friends are talking about investing in Qualified Opportunity Zones at parties and you aren’t in the action?  Probably not.  But, if you want to be the smarty pants friend at the hoe down, here is a very basic…

Spring is Sprung

Here in Colorado, the spring season can mean anything from blizzards to heat waves.  To jolly you along, enjoy 5 funny tweets about Spring.   The weather is warming up so now the kids can finally go outside and get some fresh air while they play on their phones. – Rodney Lacroix   It’s the…

What Makes Retirees Happy?

This week, I’m using data from the Health and Retirement Study to talk about what makes retirees happy and what detracts from enjoyment.  This study was begun in 1994 and tracked 20,000 retirees through 2018.*   The conclusions were that there are three core pillars of retirement happiness:  Money (obviously), Health, and  Relationship with Peers…

Love It or Leave It Part Deux

2021 Personal Finance Trends in Review   Quickly, here are the hot topics of 2021 that are embraceable or dumpable.  Feel free to disagree.  Just not to my face.   Love it: Required Minimum Distribution age moved to 72 permanently. Would love it even more – get rid of RMDs entirely. High personal savings rate…

Last Minute Valentine’s Date Ideas

Think beyond the usual packed restaurants and candy hearts.  Here are some unexpected things to do with your sweetie.  Denver-centric, so out-of-town readers you will need to find something comparable in your neighborhood.   Need release some pent-up pandemic rage? Try a Break Room.  Bring your own unwanted stuff and Smash It Break Room will…