“We were looking for a financial advisor who would have our best interest in mind while allowing us to still maintain control over the final decision and moving funds. John + Susan provided us not only guidance and recommendations but spent just as much time educating us on all possible options. They have provided us a tremendous value by staying up to date on latest laws, providing recommendations that take advantage of tax benefits, preparing our taxes and most importantly helping us craft plans to achieve our long term goals while still living life and making short terms goals a reality. I would highly recommend John + Susan!”

-Erica, age 40-49, married, loves spending time with her 1 year old son

“I have been a client since 2006. The results have been nothing less than life changing. I was a self-employed independent consultant, working in an industry where rapid technology changes were eliminating the need for my services. My income was highly variable, I had to fund my own retirement, and the future of my career was uncertain.

Solid financial planning provided enormous peace of mind and stability through it all; the inevitable market crashes, my boom-and-bust consulting years and when the clients stopped calling. I had a plan. I did not have to worry. Ironically, comprehensive financial planning allowed me to NOT think and worry about money.

Initially I was concerned about the cost of comprehensive financial planning. I now know that should never have been an issue. My tax savings from proactive planning have far exceeded the fees, and these are tax savings that I would not have been able to identify and implement on my own. The service does pay for itself.”

-Tim, age 60-69, married, loves skiing

“Since 2007 we have been most pleased with the personal attention given to us by John, and now Susan as well. They take time to get to know their clients, which greatly increases our confidence that they are doing their best for us.

We had never really delved into our long-term financial goals, retirement goals, or personal goals, all things that we had to give thought to, with very insightful help from John, before even talking about our actual finances.

John then helped us develop a portfolio of funds, making sure our investments were well-balanced. John + Susan obviously do their research on funds that will help their clients achieve their goals. When the big downturn in the market happened, the dip in our portfolio was very small.

In addition to portfolio development, John reviewed our wills, medical directives, and a trust to ensure that they were all current and followed Colorado guidelines.

Both John + Susan are very responsive when we need help navigating taxes, distributions, college investments, and contributions. It’s great to have someone that keeps up with ever-changing regulations and then passes the relevant information on to the client.

They have also been very flexible in dealing with us while we are on extended travel. Extended travel, by the way, that in no small measure, they helped us to make a reality in our retirement.

We are most happy to recommend John + Susan Einberger. They are responsive, honest, knowledgeable, and very pleasant.”

-Deb, age 70-79, married, loves to sail

“We have been clients since 2001. Having moved back to the US from the UK with three young children, we found ourselves without college savings much less a strategy to save for retirement. Working with John, and then John + Susan, we’ve watched our savings grow, our net worth increase, and put our children through universities here in Colorado. We are now in a position to develop retirement plans without worry. Without the financial guidance and on-tap advice from John + Susan, we truly would not be where we are today.”

-Lee, age 50-59, married, loves running

“We have been clients since 2014. Since then our net worth has more than doubled and we’ve been able to achieve retirement in our fifties in 2021, enjoying our hobbies, sports and side hustle projects with vim and vigor (wrote a cookbook, skiing, hiking, biking, tennis, camping….). Crucially, with John + Susan, we feel a sense of control and intention in managing our finances, informed by John + Susan’s education and guidance. That sense of proactive management helped us stick to our savings and investment plans and supports us now in active financially independent living. Thanks John + Susan! We’ve realized our dreams.”

-AnnMarie, age 50-59, married, loves skiing, hiking, biking, camping, and playing tennis

“John + Susan have been critical to our long term financial success. We have used the firm since 2006 and now and consider them our trusted advisors for financial, tax and estate planning. Before we make any big financial move, we consult them first, which has helped us avoid costly mistakes and set us up for retirement. We have a sense of ease and security with our overall retirement plan because of John + Susan.”

-Sarah, age 40-49, married, loves Colorado

"You have enough wealth, but you don't have enough money". That's what John said after analyzing our financial goals over ten years ago. That was important, because we'd never given adequate consideration to our financial goals and wouldn't have if John and later his daughter Susan hadn't made that consideration a requirement. That's just one of the many benefits of a fee-only financial planner and I can say, without reservation, that John + Susan made our lives more comfortable, and did so with reliable, honest advice whenever we needed it and even when we didn't know we needed it. If you're considering hiring the services of a financial advisor, and you should, you can't do better than John + Susan.

-Richard, age 70-79, widower, loves reading

“My husband and I have been clients since 2012 and very much appreciated Susan's input and help when she began. She very quickly gained the essential information on our financial history and goals especially as I headed into retirement.

Retirement generated uncertainty and fear regarding many questions such as will we have enough and how much longer should I work to make sure my income would be where we wanted it. I think we must have spent 3 or more years planning which helped me gain greater understanding of many details and convinced me with wonderful charts, meetings, and frequent updates of all the financial information that we were ready for me to retire.

Susan was perceptive and generous in her explanations and helped me to grow confident in our decisions.

I have also found that whenever we have questions regarding taxes, investments, and other financial questions that she is prompt with her replies and willing to meet whenever it is beneficial.

I would highly recommend Susan as a financial advisor, regardless of the individual's financial background. As an artist, my brain doesn't absorb financial information easily and I appreciate her patience and ability to break down fairly technical information into more digestible bits.”

-Nada, age 70-79, married, loves dancing

“We had not realized how biased the financial information we were getting was! When we received a large inheritance , we took advice from a family member and decided to work with John + Susan to manage investing it. It was a real eye-opener for our whole financial situation, not just the investment.”

-Niles, age 50-59, married, loves being outdoors

"John + Susan have helped guide me to the best investments for an inheritance I received. They didn’t just tell me what to do, but educated me in the process of investing and how to diversify my overall portfolio to guard against unexpected changes in the market."

-Cheryl

“We became clients in 2016. We were in our late 50's. We had no idea if we had earned enough or saved enough money to ever retire. The team of Susan + John have taught us what financial planning really means. Since that first year they have been teaching us how to manage our finances. We now know where our savings are located and how much we have. We are able to invest some of it in stocks and bonds based on what is best for our goals and comfort level. They have helped us review retirement documents and Medicare plans. We have refinanced our home to get a better interest rate. Every year when April 15th comes around they have taken the stress out of tax season for us. It is so nice knowing that if we have any questions that involve money, we just need to give them a call. They will teach us what questions to ask and how to assess the situation. We have learned so much and yes, they have answered the question; "Will we ever be able to retire?" I am now happily retired. Thank you John + Susan!”

-Polly, age 60-69, married, loves spending time at the beach with her grandkids

“We are so grateful to work with John + Susan for our family’s financial planning. We began working with them in early 2020, a few months before the COVID-19 pandemic started. As a result of our preparation and planning together, when we lost one of our incomes, we were amazed at our peace of mind during such a tumultuous period of time in our lives. We are in a stable, financially secure position thanks to John + Susan, and we recommend their services to our friends."

-Danny, age 30-39, married, loves exploring craft breweries

“My husband and I have benefited and used the expert advice of John + Susan for many years.

A few months ago, my husband passed away. We were together for 48 years. My husband was the one that did all the paperwork and money management. Of course, we would discuss what needed to be done for these needs, and then we consulted with John or Susan for the end decisions. Until recently I have not had to deal with these kinds of big decisions alone.

John + Susan are always up to date with the latest changes in the tax laws and investment strategies. They are helping me to navigate the things I cannot begin to know. I would not be able to get through all of this without them. They are a joy to work with.”

-Sue, age 70-79, wife to a husband with wings, loves spending time with family