11
Years in Fort Collins
$140M
Assets under management
3
People
Every service below is built around one thing: the retirement decisions university employees actually face.
We walk through every PERA option side by side. You'll see what each one means for your monthly benefit and for the people you leave it to.
Rule of 90, sabbatical timing, incentive windows. We run the numbers on your actual dates, not general rules of thumb.
Years of contributions across TIAA and other providers, brought into one plan you can actually see and manage.
Retiring before Medicare eligibility means covering the gap. We build that plan alongside your income plan, not separate from it.
Want to keep the cabin, help a grandkid, travel more? We model it against your PERA and 403(b) income so you know it's real.
Still consulting after you retire? Your income plan adjusts around that extra income instead of ignoring it.
Daniel Okafor reviews each PERA payout option with you side by side, showing what happens to your monthly benefit and your survivor's benefit under each choice. He explains how your choice interacts with your 403(b) withdrawals and other income. You leave the meeting with a clear recommendation in writing, not just a stack of PERA paperwork to decode on your own.
Yes. Larkspur Wealth Planning is a registered investment adviser in Colorado, Wyoming, and Arizona, so clients who retire to Arizona can keep working with the same team. Several former CSU employees do exactly this. Meetings happen by video, and paperwork and PERA elections still get the same walkthrough.
Five years out is a good time to start. Early planning gives you room to adjust your 403(b) contributions, understand your Rule of 90 timeline, and plan the healthcare bridge before decisions become urgent. Many clients begin working with Larkspur well before their retirement date for exactly this reason.
Larkspur Wealth Planning charges a fee based on assets under management, not commissions on products. This means the firm is not paid to steer you toward any particular fund or insurance product. Fee details are specific to your situation and get covered plainly in your first conversation.
Yes. Most clients arrive with a PERA pension and a 403(b) or TIAA account they have not looked at closely in years. Priya builds the withdrawal and tax sequencing plan across all of it, so your PERA income, 403(b) withdrawals, and any TIAA balances work together instead of being managed separately.
Yes. Post-retirement consulting income changes how withdrawals should be sequenced and can affect your tax picture. The team builds an income plan around your expected consulting schedule so your PERA benefit, 403(b) withdrawals, and outside income work together instead of creating surprises at tax time.
Happy to walk through your PERA options, your 403(b), and what the healthcare bridge looks like for you. You will hear from one of us within one business day.
Schedule a ConversationLarkspur works with people navigating one specific decision: retiring from a university career. If that's not your situation, another firm may be a better fit.
You've built a career and a pension you don't fully understand. You need someone who knows PERA option elections and the Rule of 90 without you having to explain them first.
An early-retirement incentive deadline is coming and the paperwork is dense. You need the tradeoffs laid out plainly before you sign anything.
Your pension and benefits look a lot like a CSU employee's. You want a healthcare bridge plan to 65 that actually holds up.
Retirement from a university career has a lot of moving parts. Here is how we walk through them together, one step at a time.
We review your PERA, 403(b) and any TIAA accounts to see the full picture of what you have built.
We lay out your PERA election choices, Rule of 90 timing and healthcare bridge options in clear terms.
We design a withdrawal order across your accounts so your paycheck continues once your salary stops.
We go form by form with you so nothing gets filed wrong or missed at the university benefits office.
We meet annually to check the plan against your life, your accounts and any changes to PERA rules.
