Townsend

Your Financial Advisor

Financial planner in Denver, CO (show on map)

Townsend Retirement and Investment Advisors provides retirement planning, investment management, and wealth advisory services in Westminster, CO.

Call (303) 452-5986

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About

Since 1990, Townsend Retirement and Investment Advisors has helped families make thoughtful financial decisions through every stage of retirement. Their planning-first approach brings clarity to retirement income, investments, taxes, healthcare, and major life decisions.

Most new clients come through referrals, reflecting long-standing relationships built on trust and care.

Since 1990

Fee-only advisor

Client referrals driven

Planning-first approach

Trusted for generations

Services

Retirement Planning

Comprehensive retirement planning including income strategy, investment management, and lifestyle design.

Retirement income strategy Investment management Social Security optimization Medicare planning

Retirement Income Strategy

Creating sustainable income streams throughout retirement with tax-efficient drawdown strategies.

Income mapping Tax-efficient withdrawals RMD planning Sequencing

Investment Management

Disciplined investment approach focusing on risk management and long-term growth consistent with client goals.

Portfolio management Asset allocation Risk management Rebalancing

Tax-Smart Planning and Coordination

Proactive tax planning to minimize tax burdens throughout retirement and across account types.

Tax efficiency Roth conversions Tax-loss harvesting Charitable planning

Estate and Legacy Planning

Helping clients preserve and transfer wealth according to their values and priorities.

Will and trust review Beneficiary planning Charitable giving strategies Legacy planning

Financial Planning

Comprehensive financial planning addressing all aspects of clients' financial lives.

Cash flow analysis Goal planning Risk management Education funding

Credentials & Certifications

SEC Registered Investment Advisor

Since 1990

Frequently Asked Questions

How long has Townsend Retirement been in business? +

Since 1990, helping families make thoughtful financial decisions through every stage of retirement.

What makes Townsend different from other advisors? +

The majority of families come to Townsend through client referrals, reflecting long-term relationships built on trust. They take a planning-first approach rather than product-focused.