“The Silver Tsunami” Costs of Long Term Care Services in Denver

Processed with VSCO with a7 presetHelping a loved one navigate through the long term care puzzle can be emotionally draining, time consuming, and downright frustrating. In addition, learning about the associated costs can be like throwing salt on a very open wound. Unless a money tree is growing in the backyard, finding a way to pay for long term care costs can be a major struggle for families.

Thankfully, companies like Genworth do the research for us and provide Cost of Care Surveys to help us set appropriate expectations. Here are the annual median costs for the Denver* area for 2015: Continue reading

Getting the Most Bang for Your Remodeling Buck

Tips to get the most bang for your remodeling buck.Sometimes, your home is one of the largest investments in your ‘portfolio’. Whether you are looking to stay in your home for a while or are considering selling soon, it’s important to pay attention to which remodeling projects will help you add the most resale value to your home.

According to the Remodeling 2016 Cost vs. Value Report as compiled by www.costvsvalue.com for the Denver area, these are the midrange projects shown to be the best bets when remodeling. Continue reading

Fee-Only Advisors: What are you actually paying for?

Financial consultant reviewing statistical graphs and charts

Oftentimes, making financial decisions can be overwhelming and emotional. In a world inundated with information via the internet, it can be hard to make heads or tails of it all. Working with a financial advisor can provide direction and peace of mind when making decisions, but how do you find a relationship that you can trust?

A good place to start is asking how the advisor is compensated. Working with a fee-only advisor can largely impact the services you receive. A fee-only advisor is paid by the client for the advice they give, not by product sales or commissions. This fee is typically on a project, hourly or retainer basis, or a percentage of assets under management. Be careful not to confuse fee-only with fee-based, which can include a client fee and commission component. Continue reading

Tell me about your investment process

Karlton does an excellent job of summarizing our investment process in the video above. The investment process with us is more than a onetime event, it is an ongoing process.

The process looks like this:

  • Define Goals and Objectives
  • Set Portfolio Expectations
  • Determine Asset Allocations
  • Monitor Investments
  • Review Regularly

We never consider our investment process to be ‘finished.’ Your circumstances change over the years and we will make sure we keep the process going to keep your portfolio on track. We’d love to set up a complimentary consultation for you to come in and learn more about our investment process and SH&J philosophy. Give us a call today at 303.639.5100.