Colorado-based financial advisory firm offering comprehensive retirement planning with a Blue Heron Retirement Blueprint approach for tax-efficient, family-focused planning.
Blue Heron Capital, LLC (operating as Your Money Your Retirement) is a financial advisory firm in Englewood, Colorado, offering comprehensive retirement planning, tax-efficient strategies, and family-focused planning. Using their proprietary Blue Heron Retirement Blueprint, the team helps clients prepare for retirement through a written comprehensive plan and coordinated approach.
The firm serves clients across the Denver metro area and Colorado through various planning services including income planning, tax planning, investment planning, estate planning, and healthcare planning. The team includes Linda Gardner (CPA, CEO), Carl Gardner (CFO), Zach Roberts (IRMAACP), Joel Cavaliere (CFP), and supporting staff.
Proprietary Blue Heron Retirement Blueprint planning process
Tax-efficient, family-focused planning approach
Team includes CPA, CFP, and IRMAACP professionals
Member of Ed Slott's Master Elite IRA Advisor Group
Free educational resources including toolkits, quizzes, and webinars
Strong client testimonials spanning 15+ years
Services
Comprehensive Retirement Planning
Written comprehensive retirement plan using the Blue Heron Retirement Blueprint, addressing income, taxes, investments, and legacy.
Blue Heron Retirement BlueprintWritten comprehensive planCoordinated approach
Income Planning
Planning for retirement income to ensure clients don't outlive their money.
Retirement income strategySocial Security optimizationDistribution planning
Tax Planning
Tax-efficient retirement planning strategies including Roth conversions and tax bucket planning.
Estate planning services including wills, trusts, and beneficiary planning.
Will and trust preparationBeneficiary designationsLegacy planning
Healthcare Planning
Long-term care planning and healthcare expense planning for retirement.
Long-term care planningMedicare planningHealthcare expense management
Credentials & Certifications
CPA (Certified Public Accountant)
CFP (Certified Financial Planner)
IRMAACP
Ed Slott's Master Elite IRA Advisor Group
Reviews
Rating
5
★★★★★
Reviews
18
"A very knowledgeable group but approachable and extremely personable."
Frequently Asked Questions
What is the Blue Heron Retirement Blueprint? +
A proprietary planning process using a written comprehensive plan and coordinated approach that considers all aspects of clients' financial situations and goals.
What services does Blue Heron Capital offer? +
The firm offers income planning, tax planning, investment planning, retirement accounts, estate planning, and healthcare planning as part of comprehensive retirement planning.
What is the firm's investment philosophy? +
The firm believes in controlling what matters most: minimizing costs, staying disciplined, and reducing tax drag. They use cost-effective and tax-efficient ETFs and Mutual Funds, treating tax efficiency as a core part of how they invest.
What are the team's credentials? +
The team includes Linda Gardner (CPA, member of Ed Slott's Master Elite IRA Advisor Group), Joel Cavaliere (CFP), Zach Roberts (IRMAACP), and supporting staff.
What resources does the firm offer? +
The firm offers free resources including the Blue Heron Retirement Toolkit (with Linda's book, Retirement Readiness Checklist, Tax-Wise Report, and Optimizing Social Security Booklet), 5-Minute Retirement Quizzes, and Tax Savings Webinars.
Where is the firm located? +
Blue Heron Capital is located at 2 Inverness Drive E, Suite 106, Englewood, CO 80112.
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