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.
Hello, loyal readers! Last week, I started a pretend business to explain the difference between stocks and bonds. Kristi’s Ranger Cookie Food Truck is sure to be a smashing success thanks to this recipe: Cream together: 1/2 Cup Butter, 1/2 Cup Sugar, 1/2 Cup Brown Sugar Add: 1 beaten egg and 1/2 Teaspoon vanilla Sift and…
Let’s start with the basics. What’s the difference between a stock and a bond? I will explain this concept by starting a hypothetical company, Kristi’s Ranger Cookie Food Truck. Ask any member of my family, neighbors, cat sitter, or school bus drivers, I make the best Ranger Cookies on the planet. Stay tuned for bonus…
Ladies and gentleman, watch carefully as I perform a magic trick. Before your very eyes, I will unmask for you the confusing and veiled language used in the financial services industry. These words make sense to a very few in who work in this business. This can lead to unsuspecting purchases of financial products that…
You know how sometimes it’s better to hear something from an outside coach or counselor than your own parents or spouse? Maybe that’s true for blogs, too! So, for a fresh perspective and some down to earth advice, check out this column from Jonathan Clements. Financial Beliefs You Might Not Like by Jonathan Clements As a quick…
Budget Method #3 – Write-It-and-Track-It This last system for managing your expenses is the one people mostly associate with making a budget. And probably the reason so few of us do it. But, there is a reason it’s still around: it works! Just like keeping a food journal helps people lose weight by making…
Budget Method #2: Save First System I’ll let you in on a shameful I-should-know-better-because-I’m-a- financial-planner secret of mine. I HATE making a budget and tracking my expenses. So, I don’t. “WHAT?!?! Don’t they make you turn in your meticulous monthly budget with corresponding receipts in CFP Class?” you say. NO! What’s my secret? Well,…
Budget Method #1: Envelope System Maybe you’ve heard your grandparents talk about how they managed money in their younger years. They got paid, cashed their paychecks, and divided cash into envelopes labeled for each monthly bill: Rent, utilities, groceries, gas, clothes, and entertainment. When the cash in each envelope ran out, you were done spending…
Budgeting: Why we hate it and how to make it our friend. Do you know why so few people have a budget? Because budgeting stinks! Budgets are just like diets. They call to mind what you can’t do and how you can’t enjoy life. A general feeling of deprivation surrounds the word “budget.” And, as…
One thing that I run into with older clients is a worry that they help their adult children too much. If they are worried about this, chances are they are right! By giving adult children money for cell phone bills, insurance, or unexpected car repairs, parents are not teaching them to save for unexpected expenses…
It’s summer time and the livin’ is easy…except when you are trying to entertain kids or guests without breaking the bank. Here are 3 fun ideas that don’t cost a lot and keep the smiles coming. Take in a non-concert at Red Rocks. Red Rocks Amphitheater is known for its great concerts and events, but have…
