Justin Pritchard, CFP®
Retirement Planning | Investing | Flat-fee & More
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Serving Clients Nationwide
Retirement Planning | Investing | Flat-fee & More
Areas of Focus
- Investment Management
- Retirement Planning
- Social Security
- Tax-Smart Distribution Planning
- Taxes
About Justin Pritchard, CFP®
Hi, I’m Justin Pritchard, CFP® with Approach Financial, Inc. in Montrose, Colorado. I’ve been helping people manage their finances for over 15 years, and my goal is to help you get things done and get on with the more important things in life. Whether you prefer to spend time with loved ones, get outdoors, or do anything else, completing those necessary financial tasks makes it easier.You've got potential changes on the horizon? Let's make a plan so you can gain clarity and confidence as you move toward the next chapter.
My primary focus is retirement planning. As you move toward the next chapter in life, you may want to explore how things might unfold and make sure you're doing the right things.
▪️ Do you have enough to retire, or are you on track for a comfortable retirement?
▪️ How much can you spend each month or year?
▪️ What taxes will you owe in retirement?
▪️ Will health care spending be an issue?
▪️ Are you investing in a way that makes sense for your long-term goals?
We can talk about all that and more. I work under a variety of models, including flat-fee and project engagements. But if you want me to manage assets for you, that's an option.
I’ve also worked with numerous workplace retirement plans (such as 401k plans), so I can handle plan operations as well as help employees—the people who save in those plans—make sense of their finances and work toward their goals. For retirement plans, small businesses and self-employed entrepreneurs are my sweet spot. I provide everything from plan consulting and setup to ongoing service, participant education, and financial wellness.
I earned an MBA and MSIS from the University of Colorado in 2003 and became a CERTIFIED FINANCIAL PLANNER® professional in 2010. I’ve written about personal finance, loans, insurance, retirement, and more, and I enjoy staying up to date on new developments.
Ready to get in touch? Click the 'Book Intro Call' button above to get started.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Certified Financial Therapist (CFT)
- Master of Business Administration (MBA)
- Professional Plan Consultant (PPC)
- Retirement Management Advisor (RMA)
Affiliations
-
Fee Only Network
- Flat Fee Advisors
- Investments & Wealth Institute
- National Association of Personal Financial Advisors
- XY Planning Network
- Flat Fee Advisors
Primary Location
300 E Main St, Montrose, CO 81401, USA
Video
Meeting Options
- Video Conference
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Offers Advice-Only Services
- Per Session
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to learn how to get started. I look forward to hearing from you!Offers Investment Management
Yes
About Approach Financial, Inc
Approach Financial Planning is an independent financial planning practice in Montrose, CO. I meet with people throughout the U.S. via phone or secure video meetings. Regardless of your location, we can probably work together.Get clarity on your finances. Figure out when you can retire, what you're on track for, how much you can spend, when to take Social Security, how to invest your retirement nest egg, and more.
Whether we do detailed planning or you just want to ask some questions, you'll be better informed.
We generally take stock of your resources like Social Security or pension income, plus any assets earmarked for retirement. Then, we review your projected spending, including potential changes to spending over time. All the while, we keep taxes, investment returns, inflation, and other factors top-of-mind. And we can run various what-if scenarios to take an optimistic or pessimistic view—or just explore possibilities.
How do we work together?
It's your choice: Do it yourself, or have me handle your investments—you are not required to transfer assets or invest any minimum amount.
Options include one-time project work or ongoing asset management (with a flat-fee that prevents you from paying infinite costs). You can choose a model that meets your needs and feels right for you. Get a second set of eyes, ask a few questions online, get a quick investment review, or go with an ongoing relationship.
With that information, you can make informed decisions.
▪️ Can you retire early?
▪️ How much can you spend after taxes?
▪️ Does it make sense to pursue strategies like Roth IRA conversions (to avoid IRMAA surcharges and manage taxes)?
▪️ Are annuities worth looking at, and should you keep the products somebody else sold you?
When it comes to investing, I favor a simple approach. Portfolios and recommendations are primarily index-based, consisting of mutual funds or ETFs. I do not receive any commissions for selling products, and I'm not a fan of active trading or picking individual stocks.
Let's get things figured out so you can move on to more important things in life. Whether you prefer to spend time with loved ones, get outdoors, or enjoy other pursuits, completing those necessary financial tasks makes it easier.
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Approach Financial, Inc. offers advisory services through XYPN Invest, an SEC-registered investment adviser.
Education
University of Colorado Boulder, Bachelor's degree, Spanish Language and Literature; MS, Information Systems; MBA
Volunteer Experience
Savvy Ladies
Hobbies and Interests
- Camping
- Cooking
- Cycling
- Family
- Hiking
- Painting
- Running
- Skiing
- Surfing
- Swimming
- Traveling
- Volunteering
SEC Lookup
View DisclosureWho We Serve
- Artists
- Baby Boomers
- Business Owners
- Contractors
- Corporate Executives
- Dual Income Family
- Entrepreneurs
- Families
- Gen X
- Gen Y / Millennials
- Individuals
- Intergenerational Families
- Living in Retirement
- Single Women
- Widow
- Women in Transition
- Women’s Finance
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