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.
If you ever thought your friendly neighborhood financial advisor knows it all, think again! I learn new things from clients all the time. This little nugget came to my attention a few weeks ago. It will apply to very few people, but you might check it out if your 401(k) has an after-tax contribution provision.…
Nope, I have not become a gourmet cook while under stay-at-home orders. In fact, somehow, I’m finding even harder to find the time to cook these days. Blame Tiger King. However, I did go out and do the requisite buying of groceries I never would have thought to buy before. Since I don’t have…
Nope, I have not become a gourmet cook while under stay-at-home orders. In fact, somehow, I’m finding it even harder to find the time to cook these days. Blame Tiger King. However, I did go out and do the requisite buying of groceries I never would have thought to buy before. Since I don’t…
Clients sometimes ask me what they are not thinking about when it comes to retirement planning. Mostly, they’ve thought about a lot, but there are a few things that can surprise you. Unreimbursed medical expenses. Yes, retirees dread health care costs, but it seems like kind of an amorphous worry, not one that gets…
Yes, we are all sick of coronavirus news! Except when it’s just funny. So, to honor all the mothers out there, especially in time when we are forced into 24-hour a day contact with our little darlings, enjoy some mom-wit thanks to Twitter. Quarantine day 6: Went to this restaurant called The Kitchen. You…
Fourth quarter online-school is upon us and I am yet again getting reports of my 8th-grade son’s deficiency in math. Counting two rounds of kindergarten, this is the 10th year of hearing this refrain. Here’s the thing – I don’t even care. Is it laziness? Being worn down as a parent? Sympathy because middle-school…
Recently a prospective client sent an e-mail with some questions he wanted answered before engaging a financial adviser. I thought others might share these same questions, maybe about me or even other advisers they have. Here, with permission and a few edits, is a copy of our correspondence. Q: I wanted to learn more…
Eating my third breakfast of the day at I-don’t-know-what-o’clock, I had a frightening realization: Is this pandemic quarantine what my retirement will be like? Clearly, I’m not the only one thinking about it. From memes all over Facebook to this article by Alessandra Malito in MarketWatch (Is quarantine like early retirement? These people think…
Many people are looking at a drop or loss of income due to the coronavirus shutting down 25% of the economy. I’ve been reading about hardships for everyone from optometrists to restaurant workers to minor league baseball players. If your business shuts down, there is no income whether you are butcher, baker, or candlestick maker.…
After the usual partisan haggling, Washington has presented citizens with the Coronavirus Aid, Relief, and Economic Security Act, cleverly known as CARES.* What does it mean for you? Here, as usual, are the very broad strokes of the Act that affect most people, along with my snarky comments. For more technical information, please read this…