As a holistic advisor, Linda Gardner focuses on discovering what keeps you awake at night.  What are your needs, goals, and hopes for retirement?  Then she searches for the best solutions and helps you evaluate them.  Together you’ll create a plan that’s uniquely yours and provides you with a sleep-at-night portfolio.  Holding a Series 65 securities license means that she has a fiduciary responsibility toward her clients – always keeping their best interest in mind. 

Linda is a member of National Ethics Association, Women’s Estate Planning Council, MDRT, American Association for Long Term Care, and Ed Slott’s Master Elite IRA Advisor Group.  Linda also holds a Colorado Life and Health Insurance license.

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Investment Advisory Services offered by Linda Gardner through Brookstone Capital Management, LLC, (BCM) a SEC Registered Investment Advisory Firm. Blue Heron Capital, LLC and BCM are independent of each other.

4 Steps of a Retirement Plan

When Your Spouse Retires Before You

  • Expectations of the working spouse vs. the reality of the retired spouse.
  • Do you and your spouse agree on when to retire?
  • Can you afford it if one spouse retires early?

The Pitfalls of Not Having a Retirement Plan

•             What’s the difference between the accumulation vs. retirement phase?

•             How will inflation erosion affect your retirement?

•             Why is tax planning so important?

Questions About Your Pension

  • Are you eligible and vested?
  • Does your pension offer survivor benefits?
  • Can your employer meet its long-term commitments?

Failing to Plan is Planning to Fail

  • Are your retirement savings in pre-tax accounts?
  • Taxes will go up, does your retirement plan include higher taxes?
  • Do you know what the tax impact will be on your beneficiaries?

Common Estate Planning Mistakes to Avoid

  • Consequences of not having an estate plan
  • Think beyond a single beneficiary and include contingent beneficiaries for life’s “what-ifs”
  • Choosing the right people to handle your different affairs

Saver’s Dilemma!

  • How to achieve growth while balancing protection of your nest egg
  • How bank accounts play their role in a retirement plan
  • The benefits of using the “bucket approach”

Can I Retire?

  • The impact inflation can have on your retirement.
  • What happens to healthcare in retirement?             
  • Unexpected additional expenses.

Cracking the Nest Egg

  • Dollar-Cost Averaging reverses in retirement
  • Mistakes in retirement can be fatal
  • Understanding the taxation of your retirement accounts

7 Threats to Your Retirement

  • The impact taxes can have in retirement
  • The danger of having no retirement income plan
  • The unexpected things you might not think about for retirement