We are independent, fiduciary, financial advisers in Lakewood, Colorado. We share personal finance tips and helpful financial news articles.Today, the future of your finances is completely in your hands. That's why we believe education is paramount. Jo-Ann is a Certified Financial Planner™ and Best Selling Author with a vast background in financial planning. She has nineteen years of experience in the securities, insurance, and commodities industries. Jo-Ann personally developed all of her financial education classes and has been teaching classes for ten years in Colorado. She specializes in comprehensive financial planning that covers the many needs that arise in retirement. She brings the competing worlds of money together by offering both low-risk insurance products and market investments.