Philosophy
Joseph J.A. Quijano, CFP®
Retirement Financial Planning in Denver & Centennial, Colorado
Philosophy
Joseph J.A. Quijano, CFP® is a Certified Financial Planner™ professional, author and founder of Become the Banker®, serving individuals and families approaching or living in retirement in the Denver metropolitan area and throughout Colorado.
Through Irontrust Retirement Co., Joseph helps clients address the transition from accumulating money during their working years to preserving assets and creating income during retirement.
Retirement Planning With A Different Purpose
For most of your working life, the financial objective is relatively straightforward: accumulate money for the future.
Retirement changes the equation.
Now the questions become:
- How much income will I need?
- Where should that income come from?
- When should I claim Social Security?
- How should I withdraw money from my retirement accounts?
- How could taxes affect my retirement income?
- How can I prepare for market downturns, inflation, healthcare expenses and longevity?
- How can I leave a financial legacy to the people and causes important to me?
Joseph’s retirement-planning approach is designed to bring these questions together into a coordinated strategy based upon each client’s individual circumstances and objectives.
Retirement Income Planning
Accumulating retirement assets and creating retirement income are different challenges.
Joseph works with clients to evaluate potential sources of retirement income, including Social Security, pensions, retirement accounts, investments and, when appropriate, insurance and annuity products.
The objective is to help clients understand how their different financial resources can work together throughout retirement.
The Retirement Red Zone
Joseph describes the years immediately before and after retirement as the Retirement Red Zone.
During this period, financial priorities often begin shifting from:
- Accumulation
- Preservation
- Distribution
Decisions made during these years can have long-term consequences.
Retirement Red Zone planning considers issues including retirement income, Social Security, investment risk, taxes, required minimum distributions, healthcare expenses, inflation, longevity and legacy planning.
Social Security Planning
Choosing when to begin Social Security can be an important retirement decision.
Joseph helps clients understand how claiming age, marital benefits, other retirement income and longevity considerations can affect their Social Security strategy.
Social Security is then considered as one component of the client’s broader retirement-income plan.
Tax-Efficient Retirement Planning
Retirement income may come from several types of accounts, each with different tax characteristics.
Planning may involve traditional IRAs, Roth IRAs, employer-sponsored retirement plans, taxable investments, Social Security and other sources of income.
Joseph helps clients consider how the timing and source of retirement withdrawals may affect their overall financial strategy.
Tax matters should be coordinated with the client’s qualified tax professional when appropriate.
Guaranteed Retirement Income
Some retirees value having a portion of their retirement expenses supported by predictable sources of income.
Joseph helps clients evaluate available guaranteed-income strategies and determine whether they are appropriate based upon the client’s objectives, financial situation, liquidity needs and risk tolerance.
Guarantees associated with insurance and annuity products are subject to the claims-paying ability of the issuing insurance company.
Become The Banker®
Joseph is the author of Become the Banker: Financial Clarity for Life and creator of the Become the Banker® financial philosophy.
The concept is centered on helping people better understand how money works and make more informed decisions about saving, borrowing, investing and retirement.
Those principles continue to influence Joseph’s approach to retirement planning today.
Joseph has spent decades working in financial services and helping individuals and families understand important financial decisions.
As a Certified Financial Planner™ professional, his retirement work focuses on bringing multiple areas of a client’s financial life together rather than treating retirement income, Social Security, investments, taxes and legacy planning as unrelated decisions.
Joseph’s objective is straightforward:
Make retirement easier to understand so clients can make informed financial decisions about the years ahead.
Who We Serve
Irontrust Retirement Co. primarily works with people who are:
- Approaching retirement
- Recently retired
- Concerned about generating dependable retirement income
- Evaluating Social Security claiming decisions
- Concerned about market risk approaching retirement
- Looking for greater clarity about taxes and retirement withdrawals
- Interested in preserving assets and leaving a legacy
Retirement Financial Planning In Colorado
Joseph Quijano and Irontrust Retirement Co. serve clients in Centennial, Denver and surrounding Colorado communities, as well as other clients where legally permitted.
Irontrust Retirement Co.
Home of the Become the Banker® Retirement Philosophy
If you’re approaching retirement or already retired, schedule a conversation to discuss your retirement goals, income needs and financial concerns.