Every service here exists because a CSU faculty member or administrator asked for it. This is not a menu of everything a firm could do. It is what your retirement actually requires.
PERA options are permanent once chosen. We walk through each one with you so the choice fits your family, not just the paperwork.
Rule of 90, early-retirement incentive windows, and timing all interact. We show you what each date actually means in dollars.
Most faculty accounts have sat untouched for decades. We bring them together into a plan you can actually see and manage.
Retiring before Medicare eligibility means covering the gap. We build a plan for the years between your last paycheck and 65.
Big questions like keeping a second property get a real answer. We model your full cash flow so you know what you can afford.
Plenty of retirees keep consulting after CSU. We design an income plan that adjusts as that extra work comes and goes.
You will hear from one of us within one business day.
We sit down with your PERA paperwork and go through each benefit option line by line, showing what it means for your monthly income and for a spouse or beneficiary. We run the numbers side by side so you can see the tradeoffs in plain terms. You leave with a clear recommendation and time to ask every question.
Yes. Larkspur Wealth Planning is registered in Colorado, Wyoming, and Arizona, so we can keep working with you after a move to Arizona. Several clients relocate after retiring from CSU and stay on with us for reviews and planning by phone or video.
That is a good time to start. Five years gives us room to plan around Rule of 90 timing, healthcare bridge options before Medicare, and how your 403(b) fits with your pension. Early planning means fewer rushed decisions when your retirement date actually arrives.
We can walk through fees during a first conversation, since they depend on your situation. We are planners, not stock pickers, so our work centers on your retirement decisions and ongoing plan, not on trading activity.
Most of your ideal clients are CSU faculty and administrators, along with some K-12 principals and district staff in Northern Colorado. That said, our focus is on university-style retirement systems like PERA and 403(b) plans, so we are set up to serve anyone navigating that kind of transition.
Yes. Timing is one of the most common questions we help with. We look at your Rule of 90 date, PERA option elections, and healthcare needs together, so the decision accounts for your full financial picture, not just one piece of it.
Whether you're weighing a PERA option or just want to know if you've saved enough, we're happy to walk through it with you. You will hear from one of us within one business day.
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