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.
The payoff? Wondering if you should pay off your mortgage early or stick with those monthly payments? You’re not alone. In this article from dynamicnsurance.com, I’m asked whether getting rid of your mortgage is actually a good idea. I advise…. “If a client thinks they’ll be in a house for 10 years after…
In the hot seat. In this article by Investment News, I was asked how I handle getting fired by a client. As is often the case in service industries like financial planning, client relationships can be fragile and sometimes advisers don’t recognize the breakdowns until the client is gone. But in some…
That’s right! You are two weeks into June and the kids are bored. What are some offbeat things to do that won’t break the bank? These are Colorado destinations, so if you are out of town, I apologize. You will have to come for a visit! Morrison Natural History Museum See rocks and fossils…
In this piece, Investopedia takes a look at how much you will pay in taxes on an IRA and the different scenarios that apply. Several financial planners chime in on tax-free withdrawals and ways to avoid penalties. Here was my advice: Ways to Avoid the Early-Withdrawal Tax Penalty There are some hardship exceptions…
Are you game? I admit it. Often when we go to my kids’ sports games I bring along a guy who yells at my kids from the sidelines. He is their father, so I don’t have much choice. Occasionally, I’ve been known to say a few loud-ish words myself. Why do we put…
Up until now…I did. Would you ever consider moving into a tiny house when you retire? Up until now, I thought that the tiny house movement was going to lead to an even higher divorce rate! Well, it turns out I’m not always right. Shocker! For those of you who read my rant…
In the article Common Risks That Can Ruin Your Retirement, Investopedia asks Kristi Sullivan about the “unforeseen needs of family members.” Kristi’s Advice “Bailing your adult kids out of their repeated financial mistakes can derail your retirement. For some people it’s like taking an unexpected cruise every year with all of the expense and…
In my chosen career of “killer of hopes and dreams,” I’ve had many conversations about the pitfalls of owning a second home. Here are some thoughts from a 2015 blog. Consider this before you buy a second home. People must be feeling good about the economy because second home ownership is on the rise…
For clients who have most of their net worth tied up in their homes, finding a way to use that equity to pay bills is a must. If you are feeling your retirement income is too tight and you meet the eligibility requirements, using your home equity through a home equity conversion mortgage may be…
High school graduation is here and many parents are worried about how to pay for college. Here’s a recycled, yet timely, blog about covering those college expenses. Wait! Before you write that check…. First, let’s talk about what a parent is NOT to do. Please do not stop saving for retirement, or worse, take…