Complete Spectrum Financial Services, LLC.

Financial planner in Lakewood, CO (show on map)

5.0

★★★★★

38 reviews

Independent financial and retirement planning services in Colorado, including Social Security maximization, guaranteed lifetime income, tax reduction, and market risk strategies.

Call (303) 922-4309

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About

Complete Spectrum Financial Services, established in 2000, provides independent financial and retirement planning services tailored to individuals and families in Colorado. Services include Social Security maximization, guaranteed lifetime income, tax reduction strategies, market risk mitigation, inheritance & estate administration, guaranteed interest earning accounts, college planning, 401(k) & retirement plan rollovers, Medicare planning, life insurance, long term care planning, and comprehensive investment advisory services.

The firm emphasizes a personalized approach to help clients plan with confidence through every stage of life, leveraging over 30 years of combined industry experience to deliver reliable financial security and peace of mind.

Independent financial planning

Personalized retirement strategies

Community-focused donation program

Services

Retirement Planning

Personalized retirement planning tailored to individual and family needs.

Social Security Maximization Guaranteed Lifetime Income Tax Reduction Strategies Market Risk Mitigation

Inheritance & Estate Administration

Guidance on estate planning and inheritance management.

Will Preparation Trust Establishment Probate Assistance

College Planning

Financial strategies to fund higher education.

529 Plans Education Savings Accounts College Funding Strategies

Life Insurance

Tailored life insurance solutions for financial protection.

Term Life Whole Life Universal Life

Social Security Maximization

Strategies to optimize Social Security benefits.

Benefit Timing Analysis Spousal Benefit Strategies Work History Optimization

Guaranteed Interest Earning Accounts

Accounts offering guaranteed returns for risk-averse clients.

Fixed Rate Principal Protection Tax Advantages

Credentials & Certifications

Licensed to sell insurance products

Reviews

Rating

★★★★★

Reviews

"Kevin and his agents are good, reliable, honest, and very knowledgeable."

Frequently Asked Questions

What does independent financial planning mean? +

Independent financial planning means recommendations are based on your goals and needs, not tied to a single product or provider. This allows for more flexibility and objectivity when building a retirement strategy.

How do you help clients manage market risk in retirement? +

We focus on strategies designed to reduce exposure to market volatility while helping clients create reliable income and long-term financial stability.

Do you help with Social Security planning? +

Yes. We help clients understand their Social Security options and develop strategies to maximize benefits based on their individual situation.

Who do you typically work with? +

We work with individuals and families who want a clear, personalized approach to retirement planning and long-term financial confidence.