Retirement Financial Advisor

You’ve worked hard. Now it’s time to ensure your money works for you.

At Paragon Capital Management, we help you prepare for what’s next - retirement that’s not just financially secure, but also personally fulfilling. As your trusted retirement financial advisor, our goal is simple: create a retirement income strategy that supports the lifestyle you want for the decades ahead.

Whether you’re five years from retirement or already navigating life after your last paycheck, our expert team will walk beside you with clarity, confidence, and personalized life, investment, and tax planning.

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Retirement Income Planning Built Around You

Many financial firms offer cookie-cutter retirement plans. We don’t.

At Paragon, retirement income planning is never one-size-fits-all. We get to know your story, your goals, your dreams, your concerns, and then we use that understanding to build a strategy that reflects your vision of financial independence.

From optimizing your Social Security benefits to managing portfolio withdrawals to planning for long-term care, our approach is comprehensive and always tailored to you.

We don’t just ask what you have - we ask what you want, and then we help make it possible.

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What Is Retirement Income Planning?

Retirement income planning is the process of determining how to turn the assets you’ve built into reliable, tax-efficient income streams that will last your entire retirement.

It’s not just about how much you’ve saved. It’s about:

When and how you draw from retirement accounts
What to do with Social Security and pensions
How to protect against inflation, healthcare costs, and market downturns
Creating sustainable withdrawals
Minimizing taxes across income sources
Ensuring you don’t outlive your money

As a dedicated retirement financial advisor in Denver, we specialize in helping individuals and couples build retirement income plans that adapt to life’s uncertainties while protecting what matters most.

How Is Retirement Income Planning Different From General Financial Planning?

Retirement income planning isn’t about building wealth - it’s about using what you’ve built to live well for decades to come. This phase of life is known as decumulation, and it requires a fundamentally different strategy than accumulation.

In retirement, you’ll rely on two main types of income - your social capital (social security and pensions), and your financial capital (savings in IRAs, 401(k), brokerage accounts, and annuities).

You need to mitigate three main risks on the way to living your best retirement:

Sequence of return risk - Large market drawdowns early in retirement, when you don’t have the time to wait for a market bounce back.
Inflation risk - When the cost of living degrades, the value of money you have saved.
Longevity risk - While the average high net worth 65-year-old is projected to live to 90-92, over half live longe,r and there is a 25% chance that one person from a couple lives to 98.

At Paragon Capital Management, we build income strategies that are designed to adapt, protect, and support the retirement you’ve worked hard to enjoy.

The Paragon Roadmap

A Retirement Plan that Evolves With You

We guide you through a proven process designed to turn retirement anxiety into peace of mind—by aligning your money with the life you actually want to live.

We break retirement into three practical phases:

Go-Go Phase: Your most active years—travel, adventure, and ticking off the bucket list.
Slow-Go Phase: A more relaxed pace, with fewer big expenses but continued enjoyment.
No-Go Phase: A time to prioritize comfort, care, and family as health becomes more central.

Our goal? To help you free up the most money for the early years—when you’re healthiest and most energetic—without jeopardizing your security later on.

We build flexible, purpose-driven strategies to make sure your finances adapt across all three phases—so you can focus less on money and more on meaning.

Here’s how we help you plan your ideal retirement:

Vision

We work with you to understand your unique financial goals and aspirations to reach financial freedom with your investments, to be able to maintain your income, and support your best retirement lifestyle. By looking into the future together, we are better equipped to guide you as your trusted advisors.

Feasibility

We analyze your assets, insurance, income from current and future sources, and spending desires to build the right investment path for you. This not only helps you build wealth but also protects your investments against life's unexpected challenges.

Resilience

Resilience is the ability to bounce back from setbacks and challenges, and it is a key component of any good financial strategy. We work with you to develop an investment strategy, insurance plan, and estate plan that is designed to work together to weather market volatility and economic uncertainty. Our comprehensive approach gives you the right financial plan that can withstand unexpected setbacks in life.

Optimization

We refine and fine-tune your financial plan to help you achieve the best possible after-tax outcome. By knowing you and your investment goals, we make sure that at all times your portfolio matches your expected needs for the future.

Why Work with a Retirement Financial Advisor?

While general financial advisors may offer broad planning, retirement specialists go deeper. As a firm focused on retirement, we bring nuanced insight and deep experience in areas like:

Longevity risk
Asset allocation to mitigate the sequence of return risk
Inflation risk
Tax-smart distribution strategies
Roth conversions
Medicare and healthcare planning
Required minimum distributions (RMDs)
Estate, spousal, and legacy planning

This isn’t just a side service for us - it’s what we specialize in.

Our Promise

Real Relationships. Real Retirement Planning.

At Paragon Capital Management, we believe the best retirement plan is one built on trust, transparency, and personal connection.

You’ll never feel like just another number here. Our advisors are known for their warmth, clarity, and unwavering dedication to client success. We treat your finances with the same care we give our own.

We’re not just managing money - we’re helping you live the life you’ve imagined.

Who We Help

We work with people who are:

Approaching retirement in the next 5 - 10 years
Recently retired and seeking income clarity
This in the ‘gap period’ between retirement and turning on social security
Concerned about running out of money
Looking to reduce taxes in retirement
Caring for a spouse or partner with changing needs
Managing complex retirement income sources (401(k)s, pensions, IRAs, rental income, etc.)

If you’re looking for a retirement financial advisor who can help you simplify the complexity and enjoy your next chapter, you’re in the right place.

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Our Services

Your Retirement. Your Plan. Our Expertise.

We offer comprehensive retirement-focused financial services, including:

Tax Strategies for Retirement

Roth Conversion Timing
Tax-Optimized Retirement
Estimated Tax Payments

Retirement Income & Strategy

Annuities & Pensions
IRAs & 401(k)s
Social Security

Insurance & Risk Protection

Disability Insurance
Life Insurance
Long-Term Care Insurance

Every strategy we create is customized and built with your long-term success in mind.

Located in Denver. Helping Retirees Everywhere.

While we proudly serve clients throughout the Denver metro area, many of our clients live in other parts of Colorado - or across the country. Whether you prefer to meet in person or virtually, our process is flexible and personal.

Ready to work with a retirement financial advisor who truly understands what’s at stake?

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Let’s Plan Your Retirement Your Way.

Your future deserves more than guesswork. If you’re ready to take control of your retirement income, gain peace of mind, and enjoy the lifestyle you’ve worked so hard for, we’re here to help.

Take Control of Your Financial Future

Frequently Asked Questions

What does a retirement financial advisor do?

A retirement financial advisor specializes in helping individuals plan, manage, and optimize their finances for life after work. At Paragon, we focus on helping you create the best life during your healthiest years early in retirement while mitigating longevity risk, sequence of return risk, and inflation risk through thoughtful planning and portfolio design.

When should I start working with a retirement financial advisor?

Ideally, you should start working with a retirement financial advisor 5–10 years before you plan to retire. This gives ample time to adjust your strategy, maximize tax savings, and position your assets for sustainable income.

Can a retirement financial advisor help me avoid running out of money?

Yes. One of our top priorities is helping you avoid outliving your money by stress-testing your plan, managing withdrawal rates, and preparing for market downturns, inflation, and healthcare expenses.

How do taxes impact my retirement income?

Taxes can significantly reduce your retirement income if not properly managed. Our team specializes in tax-smart withdrawal strategies and Roth conversion planning to help you keep more of your money. We can even help with estate tax planning to reduce the burden your heirs pay upon your death.

Do I still need a retirement financial advisor if I already have a 401(k) or IRA?

Yes. A 401(k) or IRA is just one piece of the puzzle. A retirement financial advisor ensures your investments, withdrawals, tax strategy, and Social Security are all working together to support your long-term goals.

What’s included in a retirement income plan?

Our plans include income projections, Social Security analysis, healthcare and long-term care planning, tax minimization strategies, and customized withdrawal schedules tailored to your goals and risk tolerance.

How do I get started with a retirement financial advisor in Denver?

Just schedule a free consultation with Paragon Capital Management. Whether you're in Denver or out of state, we offer both in-person and virtual meetings to fit your needs.