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.
Welcome to a new recurring feature of my blog called WTF – What the Finance? Here I will attempt to make understandable the maze of financial jargon we planners love to speak and this week I’m focusing on Bitcoin. What’s this Bitcoin thing? So, what’s all the fuss about trading Bitcoin? Should you be in? …
So many money decisions are not about what we think, but how we feel. To that end, I’ve enlisted the help of a guest blogger to address some questions around emotions and finances. Today I present the first of 3 questions I posed to Dr. Alec Baker. Dr. Alec Baker owns and operates…
A misunderstanding is that bond investments are not supposed to ever lose money. In fact, bond funds go up and down like stocks, just not with such extreme highs and lows. A quick primer on bonds Bonds are a way for a company or government to get a loan from the public. Loans are…
This 9-year rise in the stock market has been called “the most hated stock rally ever.” Maybe people are so scarred by the Great Recession that they can’t believe good news will ever happen again in the stock market. Even though it’s been happening (at least in the U.S. with only minor hiccups) for 9…
A movie that came out recently that I really wanted to see was All the Money in the World about the kidnapping of John Paul Getty III. I probably won’t see it until it’s out on Netflix because all my movie theater experiences are driven by teenage boys (Star Wars, anything Marvel related). Spoiler…
Sure, your sweetie wants to be surprised by a romantic gesture on Valentine’s Day. You know what’s even more romantic? A partner who is financially stable and saving steadily for the future. So, how can you be both the dreamy AND smart partner? Read on for a few inexpensive ideas that will have his/her all…
Welcome back guest blogger Tam John, Certified Nutritionist! In honor of Valentine’s Day, I asked her to tell us the scientific benefits of dark chocolate. From Tam John: Imagine indulging in amazing food while keeping your wellness factors of looking great and feeling great. This is the basis of Personalized Nutrition.Here are my top 5…
A conversation that has come up repeatedly for me lately is the number of elderly people being scammed over the phone for money. Phone scams are nothing new, but just a reminder to keep an eye on your older friends and relatives who may fall victim to this popular mode of theft. Here’s what…
Now, I’m not in the business of encouraging shopping for shopping’s sake. However, there will be times you really need that new mattress, microwave, or Mini-Cooper. There is an art to timing these purchases, as this article from NerdWallet illustrates. Here is a quick summary: January Linens (remember the White Sales of long ago? They are…
It’s a new year and maybe one of your resolutions is to get rid of your tired old spouse. If so, you wouldn’t be alone. What is gray divorce? One of the biggest retirement stories over the last couple of years has been the spike in divorce for people aged 50 and over. According…