Flatirons Retirement & Benefit Strategies helps Erie families and business owners connect the dots between Social Security, Pensions, and Private Wealth to build retirement plans that work together.
Flatirons Retirement & Benefit Strategies is a retirement planning firm in Erie, Colorado. Matthew J.
Welt, RSSA (Registered Social Security Analyst), helps Erie families and business owners connect the dots between Social Security, Pensions, and Private Wealth to build plans that work together. They use proprietary roadmap software — the most accurate in the industry — to solve for spousal coordination, survivor benefits, and maximizing Social Security benefits. With 32-state pension expertise and a metabolic approach to retirement planning, they help clients build income that doesn't run out.
Matthew J. Welt, RSSA with background in Exercise Physiology & Nutrition
Registered Social Security Analyst with 32-state pension expertise
Proprietary roadmap software for Social Security optimization
'Metabolic' approach to retirement planning
The $111,000 gap awareness — average American loses $111,000 in lifetime benefits
Local Erie, CO focus
Services
Social Security Optimization
Maximizing Social Security benefits through proprietary roadmap software and RSSA analysis.
Coordinating distributions from 401(k), IRA and brokerage accounts to prevent market inflammation and unnecessary tax drag.
Distribution coordinationTax-efficient withdrawalsPortfolio management
Life and LTC Insurance
Life insurance (Term/IUL) and long-term care insurance analysis to protect principal.
Term life insuranceIULLong-term careDisability income
Retirement Income Planning
Strategic retirement income planning using the 'Roadmap to Retirement' process.
Income planningRoadmap to RetirementFixed income optimization
Section 125 Strategy
Section 125 benefit strategy to optimize payroll and reduce FICA taxes by $600/employee/year.
FICA tax reductionEmployee benefit optimization
Credentials & Certifications
Registered Social Security Analyst (RSSA)
B.S. Exercise Physiology & Nutrition
CO License # 552279
Frequently Asked Questions
What makes Flatirons Retirement different from other financial advisors? +
Matthew J. Welt uses a 'metabolic' approach to retirement planning, looking at the 'whole body system' rather than just giving a generic plan. He focuses on Social Security optimization (the $111,000 gap), 32-state pension expertise, and coordinating fixed income with growth assets to prevent 'market inflammation' and unnecessary tax drag.
What is the RSSA credential? +
RSSA stands for Registered Social Security Analyst. Matthew Welt is a registered Social Security analyst with expertise in maximizing Social Security benefits, spousal coordination, and survivor benefits.
What is the 'Roadmap to Retirement'? +
The 'Roadmap to Retirement' is their planning process that examines your current financial situation and helps determine your retirement needs to build a custom strategy for your unique retirement goals.
What is the Care Paradox that Flatirons addresses? +
The Care Paradox explains why the biggest healthcare risk (long-term care) is also the hardest to insure. They analyze moving from traditional LTC insurance to 'Asset Care' strategies that can provide 10X coverage with hybrid plans that include 'Live, Die, or Quit' flexibility.
