Judy Carlson Financial Group

A Mission You Can Trust

Financial planner in Lone Tree, CO (show on map)

5.0

★★★★★

56 reviews

Lone Tree, Colorado financial planning firm specializing in retirement income planning for aerospace professionals, offering comprehensive coordinated planning for individuals and couples.

Call (720) 235-8685

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About

Judy Carlson Financial Group (also known as 401(k) Maneuver) is led by Judy Carlson, CPA, an Investment Advisor Representative offering advisory services through Royal Fund Management, LLC (SEC registered). Judy works with individuals, couples, and families to design, build, and implement coordinated, comprehensive financial plans supporting clients from today through life expectancy and legacy.

Her mission is to educate and empower clients through an all-inclusive financial plan that provides clarity, confidence, and freedom to pursue what matters most. The firm specializes in working with aerospace professionals within 5-10 years of retirement, helping them understand how all their financial pieces integrate before committing to a retirement strategy.

CPA + Investment Advisor combination

Specialization in aerospace industry retirement planning

Comprehensive coordinated planning (tax, investments, healthcare, income)

Best of the Best Financial Planner in Castle Pines and Lone Tree (2 years running)

Process built for engineers who prefer analysis over assumptions

Services

Retirement Income Planning

Comprehensive retirement income planning that coordinates income sources, tax structure, pension and Social Security timing, and lifetime cash flow analysis to ensure retirement confidence.

Custom-designed financial model Lifetime cash flow analysis Pension integration Social Security timing optimization Coordinated income strategy

Investment Advisory

Investment advisory services through Royal Fund Management, LLC, managing portfolios with a focus on retirement income sustainability.

Portfolio management 401(k) analysis Investment strategy Risk management

Tax Planning

Strategic tax planning integrated with retirement income strategy, helping clients minimize tax burden throughout retirement.

Tax strategy integration RMD planning Roth conversion analysis Tax-efficient withdrawal strategies

Social Security Optimization

Analysis of Social Security claiming strategies to maximize lifetime benefits.

Social Security timing analysis Spousal coordination Survivor benefit optimization

Healthcare Planning

Long-term healthcare cost planning and Medicare strategy within the comprehensive financial plan.

Medicare planning Long-term care strategy Healthcare cost projection

Legacy Planning

Estate and legacy planning services ensuring wealth preservation for future generations.

Legacy design Wealth preservation Inheritance planning

Credentials & Certifications

SEC Registered Investment Adviser - Royal Fund Management, LLC

CPA (Certified Public Accountant)

Life and Health Insurance Licensed

Long-Term Care Certified

Reviews

Rating

★★★★★

Reviews

"Judy is very knowledgeable about the financial industry."

Frequently Asked Questions

What is the Judy Carlson Financial Group? +

Judy Carlson Financial Group is a financial planning firm specializing in retirement income planning for aerospace professionals. They offer comprehensive coordinated planning that integrates taxes, investments, healthcare, and income for individuals and couples near retirement.

Where is Judy Carlson Financial Group located? +

Judy Carlson Financial Group is located at 9233 Park Meadows Drive, Suite 125, Lone Tree, CO 80124. Phone: 720-235-8685, Email: [email protected].

What is Judy's background? +

Judy Carlson earned her accounting degree from the University of Minnesota's Carlson School of Management, passed the CPA exam, and worked in public accounting before transitioning to personal financial planning in 2012. She has worked in corporate finance within healthcare, retail, and education industries.

What awards has Judy Carlson Financial Group received? +

Judy Carlson Financial Group was named Best of the Best Financial Planner in both Castle Pines and Lone Tree by Colorado Community Media for two consecutive years.

What is the firm's approach to retirement planning? +

The firm believes retirement is a long-term system designed to function over decades, not just a projection. They design coordinated financial models using real expenses, healthcare costs, inflation assumptions, tax structure, long-term care considerations, and legacy intentions so clients can see cash flow month by month, year by year across retirement.

Who does the firm primarily serve? +

The firm specializes in working with professionals who are within 5-10 years of retirement, have meaningful assets and pension decisions ahead, prefer analysis over assumptions, and want to see how everything integrates before committing to a retirement strategy.