We offer these types of financial resources and visual aids to help you with preparing for all of your financial needs – please let us know if we have missed something! Financial Goal Curve We have different financial needs at different times in our lives. This curve shows how our financial needs start low, then… [Continue Reading]

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Smarter Women Colorado is dedicated to helping women achieve financial freedom. We have access to state of the art insurance products which can facilitate your retirement planning, wealth building, financial and insurance needs. Pat Frederiksen of Smarter Women Colorado has been working with women for years, helping them to achieve financial freedom. The reason Pat… [Continue Reading]

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February 2016 Free Events

tiger2/1, 2/18 Denver Zoo

 

flower pink2/2 Chatfield Farms
8500 W. Deer Creek Canyon Rd. Littleton 80128

groundhog2/2 Ground Hog Day
2/2 Groundhogs, Whistlepigs and Woodchucks, oh my
Bring the family to learn about Groundhogs and some of their furry rodent friends. From beavers to squirrels to marmots. All ages. Registration required 720-898-7405.
http://arvada.org/explore/open-space-nature/majestic-view-nature-center-division

2/3 6:30pm Mining in Colorado
Parker Arts, Culture & Events Center, 20000 Pikes Peak Ave., Parker 80138
Mining is essential to our daily lives. From the time we get up in the morning to the time we go to bed at night, we use mineral products. And even more surprising, perhaps, is that many of these are produced here in Colorado.

2/4, 2/6, 2/11, 2/13, 2/18, 2/20, 2/25, 2/27 Broomfield Veterans Memorial Museum
12 Garden Center, Broomfield 80020

note2/4 7pm US Air Force Academy Falconaires, jazz band

Newman Performing Arts Center – Gates Concert Hall, Lamont School of Music
The Falconaires follow in a long blue line of talented Air Force Academy bandsmen who are dedicated to serving our great nation and representing the young men and women at the academy.
Chris.Wiger@du.edu
http://www.du.edu/ahss/lamont/performance-tickets/calendar-all.html

palette2/5 First Friday Art Walks

 

movie2/5 6pm First Friday Movie Night
Georgetown Heritage Center, 809 Taos St., Georgetown

 

palette2/5, 2/12, 2/19, 2/26 Clyfford Still Museum
1250 Bannock St. Denver 80204

palette2/6 Denver Art Museum

 

2/6 10am – 4pm Burn Awareness Free Day
Denver Firefighters Museum, 1326 Tremont Pl. Denver 80204
Fun activities, important safety lessons, and the chance to meet real firefighters! Take this chance to tour our historic 106-year-old firehouse for free. Visitors of all ages are welcome to attend, free of charge. Activities are available 10:00am-2:00pm.

light bulb2/6  10 – 11:30am  Estate Planning

Conifer Community Church, Conifer

Do you need a trust or a will?  Do you want to leave a legacy or just make sure you don’t run out of money.  How to minimize taxes and pass along the most possible.  Make sure your wishes are carried out.  Taught by Ruth Moore, Estate Planning Attorney and Pat Frederiksen, Retirement Income Specialist.  RSVP 303-919-1020  No cost to attend.  Complimentary planning materials.  No products sold at this event.

crane2/6 8am February Birds
Lookout Mtn. Nature Center, Lair o’ the Bear Park, 22600 State Highway 74, Idledale 80453
Second in a series of monthly hikes to observe birds, their numbers, and habitats at the same location for one year.
Join our naturalist to learn techniques for identifying, describing, and remembering each bird you see. You will also learn facts about different birds and have your many bird questions answered. This program will visit Lair o’ the Bear Park once a month for the whole year with the purpose of documenting which birds are present each month, in what numbers, and in which habitats.

note2/6 7pm John Heins Accordion & Piano Concert
Broomfield Auditorium, Community Park Road, Broomfield, CO 80020
ACCORDIANA – World Music and Standards from the 30’s & 40’s. Accordion solos and duos with Piano.

2/7 Denver Museum of Nature and Science
2001 Colorado Blvd. Denver 80205

Chinese new year 2016 2/8 Chinese New Year
2016 is the year of the Red Monkey. The color of fire is connected to Red. Red is the calendar character corresponding to Monkey. Therefore 2016 is the Red Fire Monkey year. People born in the Year of the Monkey are characterized as quick-witted, curious, innovative and mischievous.
Therefore, we will deal with more financial events in the year of the Monkey. Monkey is a smart, naughty, wily and vigilant animal. If you want to have good return for your money investment, then you need to outsmart the Monkey.
If your are born in these years 2016, 2004, 1992, 1980, 1968… you are a monkey!

note2/9 12 noon St John’s Cathedral Music at Noon – Brittney Lee, vocalist
1350 Washington St. Denver 80203
A local talent with a love for classic Hollywood movies, Brigitte has been called “the little girl, with a big voice.” Her penchant for these films and stars will be self evident in this Valentine’s Day program. Music at Noon concerts are free performances held on the second Tuesday of each month.

2/9 Shrove Tuesday /Mardi Gras

2/10 Ash Wednesday

palette2/10, 2/13, 2/17, 2/19,2/27 Museum of Outdoor Arts
1000 Englewood Parkway, Englewood

2/11 9am -4pm Aurora History Museum
15051 E. Alameda Parkway, Aurora

heart2/11 11am – 2pm Valentine’s at the Mansion
Highlands Ranch Mansion, 9950 E. Gateway Dr., Highlands Ranch
Treat yourself to a little fun this Valentine’s Day at the beautiful Highlands Ranch Mansion. Guests can enjoy music, dancing, complimentary coffee, tea, sweet treats and tours of the historic home. Bring your sweetheart, come with a group of friends or bring your kids and treat yourself to a morning of fun. All ages are welcome. Feel free to stay a little or awhile at this annual Valentine’s event.
A $5 suggested donation will benefit the American Heart Association in recognition of American Heart Awareness Month.

light bulb2/11  6 – 7:30pm  401k and IRA do’s and don’ts

FUEL Financial 550 S. Wadsworth, Lakewood (1st Bank Building in Belmar)

Is a Roth IRA right for you?  How much money do you need?  How do you convert and pay the least amount of taxes.  How do you rollover your 401k?  Taught by Jo-Ann Holst, Certified Financial Planner.  RSVP to 720-287-5880  No cost to attend.  Complimentary planning materials.  No product sold at this event.

note2/11 12 noon Concert – Lamont Ragtime Ensemble

Lamont School of Music, Newman Center for the Arts Joy Burns Plaza,

Concert – Lamont Ragtime Ensemble
Chris.Wiger@du.edu

Complimentary parking in the Newman Center garage one hour prior to the performance (Enter on E. Wesley Ave.)

http://www.du.edu/ahss/lamont/performance-tickets/calendar-all.html

2/12 12noon – 4pm Four Mile Historic Park
715 S. Forest St. Denver 80246

2/12 – 2/14 Loveland Fire and Ice Festival
Friday 5pm – Saturday and Sunday 10am
4th Street Loveland 80537
It’s time to experience how the Nation’s Sweetheart City celebrates Valentine’s Day. Bring your loved ones and celebrate the passion of the season at the Loveland Fire & Ice Festival, the largest Valentine’s Day celebration in the nation where fire, ice, entertainment and fun collide. This free, family-friendly event transforms downtown Loveland with Valentine-themed lighting displays, stunning ice sculptures, live entertainment, a spectacular light show choreographed to music and fireworks.

abe lincoln2/12 Lincoln’s birthday

 

heart2/14 Valentines Day

 

presidents2/15 Presidents Day

 

note2/19 5pm Jazz – Flo’s Underground
Lamont School of Musiv, Newman Performing Arts Center – Recital Salon
Chris.Wiger@du.edu
httpp://www.du.edu/ahss/lamont/performance-tickets/calendar-all.html

note2/19 7pm Pink Champagne – 40s Serenade
Good Shepherd Episcopal Church, 8545 E. Dry Creek Rd., Centennial 80112
Step back in time for a nostalgic tribute to the great music of the 1940s with Pink Champagne, a delightful women’s trio reminiscent of the Andrew Sisters.
Pink Champagne has been captivating audiences for over 20 years with their authentic 40s vocal blend and sparkling personalities. So get ready for a “Sentimental Journey” of hits from Cole Porter, Glen Miller, The Andrew Sisters and more. This concert is part of Good Shepherd’s Music with a Mission Concert Series and is free of charge.

light bulb2/20  10 – 11:30am  Social Security and Income Planning

FUEL Financial, 550 S. Wadsworth, Lakewood (1st Bank Building in Belmar)

Find out about the new Social Security laws and what you can do before May.  Increase lifetime benefits by tens of thousands of dollars.  How to ensure life-long income.  Strategies to reduce Social Security taxes.  Taught by Jo-Ann Holst, Certified Financial Planner.  RSVP to 720-287-5880.  No cost to attend.  Complimentary planning materials.  No products sold at this event.

george washington2/22 George Washington’s birthday
At the time, England and its colonies were following the Julian calendar , instituted in 46 B.C. by the eponymous Julius Caesar. By that calendar, Washington was born on Feb. 11, 1731. But in 1752, England switched to the Gregorian calendar, which is still in use today, and that threw everything off.

flower pink2/22 Hudson Gardens

 

Parent Trap Retirement Savings2/22 6:30 – 8pm Full Moon Hike
Highlands Ranch Park & Mansion, 9930 E. Gateway
Hike by the light of the moon around the Highlands Ranch Historic Park to look and listen for animal sights and sounds. Learn the history of the Mansion as well. Bring your flashlight and dress appropriately for weather.

2/29 Leap Day

ice skatingSouthwest Rink at Skyline Park
On the corner of Arapahoe and 16th Sts.
Take a whirl on the Southwest Rink at Skyline Park with your sweetheart, right in the heart of downtown Denver. It’s a cheap date, too – if you bring your own skates, the rink is free (and skate rentals are just $2).

Denver Story Trek
Historic Denver, 1628 16th St. Denver 80203
Denver Story Trek is a self-guided exploration through Denver using historic landmarks as guides. The treks include dozens of historic sites, five museums and free audio recordings. Create your own trek on our Website. Maps available at participating museums and at the Visitors Information Center at 1575 California St.
http://www.denverstorytrek.org

New Year Financial Checklist

Image result for financial checkFinancial Check List for the New Year

(Getting your financial house in order.)
Most of us will never win the lottery, inherit a windfall from a distant relative or pick the next hot stock. That is all luck and will not secure our retirement or fund our children’s education. Putting your financial house in order is not just about adjusting your portfolio, it is getting your entire financial house in order.
As you gather your information for April 15 and receive financial statements, you are gathering information for your financial picture. The hard work is done!
It is never too early and never too late to take charge of your financial future.
Now is the time to start!

A financial strategy ensures you meet your goals by:

    protecting from undo risk
using tax deductions and credits
allocating your assets consistent with your goals, time and risk

1-Write down your goals.

be realistic
create short term and long term goals
identify barriers
what happened last year? learn from successes and failures
understand your tax situation

2-Gather & examine your data

list your expenses-regular and sporadic
list your income-regular and sporadic
checking/savings accounts
investment statements
tax return
insurances-house, car, life, health
employer retirement plans (401k, 403b, pension)
personal retirement plans (IRAs, ROTH, SEP)
gifts and charitable donations
life changes (marriage, divorce, birth, inheritance, job)
gather options for your financial future

3-Act

review/create budget
compare current investment statements to last year/from creation
update will (power of attorney, beneficiaries, intentions)
create strategy for your goals consistent with time and risk

Overwhelming? You define your goals, gather your information, together we examine your data and I help you know your options and create a strategy to reach your goals. As you gather your information for April15, you are gathering your data and receiving statements. The hard work is done!

Take the mystery out of your financial future.
Let me help you reach your goals.
Set an appointment for a free consultation. 303-919-1020

January 2016 Free & Fun Events

fireworks12/31 9pm and Midnight New Year’s Eve Fireworks
16th Street Mall
Ring in the New Year on the 16th Street Mall, and catch one of two spectacular fireworks shows! Come Downtown and dine in one of the many fine restaurants, or make a night of it and stay in one of Downtown Denver’s fabulous hotels.

fireworks12/31 8pm and Midnight New Year’s Eve Evergreen
Evergreen Lake
Skate the Lake from 6pm to midnight for a fee. Celebrate New Years Eve with fireworks over the lake! CNN and ice skatingSunset Magazine rate Evergreen Lake as one of the worlds top 10 most beautiful outdoor ice skating rinks! I agree!
Drop Off policy: No private vehicle drop-off will be available at the Lake House.
Drop off at the Lake House will be restricted to individuals with a SPECIAL NEED OR DISABILITIES ONLY. Due to traffic concerns on Upper Bear Creek Rd., we ask that all other attendees proceed directly to one of the shuttle locations. Unauthorized vehicles will be towed.
Shuttle Locations:
From I-70/Bergen Park
Christ The King S. on Hwy 74 from Bergen Park, about a half mile past Safeway on the right. From light @ downtown              Evergreen, go N. on Hwy 74, about a quarter mile on the left.

US Bank S. on Hwy 74 from Bergen Park, turn left on Lewis Ridge Road, right on Evergreen Parkway Access Road to U.S. Bank parking lot on left side. From light @ downtown Evergreen, go N. on Hwy 74, turn right on Lewis Ridge Road, right on Evergreen Parkway Access Road to U.S. Bank parking lot on left side.
Hiwan Homestead Museum S. on Hwy 74 from Bergen Park, turn left on Douglas Park Road, follow to Meadow Dr, third left on Timbervale Drive. From downtown Evergreen, go east on Hwy 74, left on Douglas Park Road, then see the museum parking lot about a quarter mile on the right at Timbervale Drive.

dragon1/1 – 1/3 9am – 4pm Winter Break Celebration
Dinosaur Ridge, 16831 W. Alameda Pkwy., Morrison 80465
Students can visit the museum, Trek Through Time, for free after mentioning this notice. Adults can check out our great prices and selection and get 10% off in our world-class Gift Shop. Take a guided shuttle bus tour ($) of Dinosaur Ridge, or hike the trail, checking out new signage and a few new sites including Crocodile Creek, Slimy Beach and the Theropod Track.
1/1 10am – 2pm Evergreen Lake Plunge
Evergreen Lake House, 29614 Upper Bear Creek Rd. Evergreen 80439
Drive Smart, Evergreen Fire/Rescue, Jefferson County Sheriff’s Office, and Evergreen Parks and Recreation
The Evergreen Lake Plunge is a fun Evergreen tradition benefiting Drive Smart and the Evergreen Parks and Recreation Special Needs. This event is a partnership between Drive Smart, Evergreen Fire/Rescue, Jefferson County Sheriff’s Office, and Evergreen Parks and Recreation.
Free Admission. $35 to participate in Lake Plunge register at 10am

snowflake1/1 – 1/25 2016 sunset to midnight Homestead Holidays-Golden’s Newest Christmas Tradition
Golden History Museums, 923 10th St., Golden 80401
For the first time ever, Clear Creek History Park will be set aglow for the holidays. Thousands of Christmas lights will illuminate the park and historic buildings—inside and out—for a festive gathering and event space.

palette1/1 First Friday Art Walks
Art District on Santa Fe – Artify Your Brain. See, taste and feel the energy that is Denver’s Art District on Santa Fe
Belmar Block 7 Art District – Block 7 will feature four artist–owned working studios, a photographic school and a gallery showcasing a wide range of artwork by local artists. (Located in the Belmar City Center in Lakewood.)
Golden Triangle Museum District – Meet the artists, see new exhibitions, shop for local art and get inspired at the galleries open on First Friday. The neighborhood is also home to the Denver Art Museum, Clyfford Still Museum, Kirkland Museum, Denver Firefighters Museum and the Byers–Evans House Museum with Plein Air art on display.
Navajo Street Art District – Stroll the district tucked away in the Lower Highlands area of Denver, home to amazing galleries, great performance art and ample parking. Join us for Day of the Dead celebrations. It’s truly one of the best little Art Districts in town to experience art!
Old South Gaylord & South Pearl – Take time to visit these two neighborhoods south of downtown Denver; both are home to many artist’s studios and galleries, along with one–of–a–kind shops and restaurants.
RiNo (River North Art District) – Tour the district “Where art is made!” RiNo is home to creative businesses and more than 60 galleries and studios and 150 artists including painters, media artists, sculptors, photographers, illustrators, designers and furniture makers.

palette1/2 Denver Art Museum
100 W. 14th Ave. Pkwy., Denver 80204
http://www.denverartmuseum.org/

kids1/5 4 – 8pm Children’s Museum of Denver
2121 Children’s Museum Drive, Denver 80211

 

flower pink1/5 Chatfield – Denver Botanic Gardens
8500 W. Deer Creek Canyon Rd., Littleton 80128
http://www.botanicgardens.org/our-gardens/chatfield

tiger1/8, 1/9, 1/31, 2/1 Denver Zoo
2300 Steele St., Denver 80205
http://denverzoo.org/

bird walk1/9  8 – 11am January Birds
Join our naturalist to learn techniques for identifying, describing, and remembering each bird you see. You will also learn facts about different birds and have your many bird questions answered.
This program will visit Lair o’the Bear Park once a month for the whole year with the purpose of documenting which birds are present each month, in what numbers, and in which habitats.
Weather permitting. Adults only.

1/9 Longmont Museum
400 Quail Rd, Longmont, CO 80501, USA

palette1/9, 1/13, 1/15, 1/20, 1/30 Museum of Outdoor Arts
1000 Englewood Parkway, Englewood

snowflake1/13 – 1/16 Breckenridge ULLR Fest
Snow lovers celebrate Norse mythology dressed as vikings with Ullympic competitions (such as frying-pan flinging), a downtown Breckenridge parade and bonfire, nighttime snowshoeing, ice-skating and fat-bike racing. –
See more at: http://www.colorado.com/articles/winter-events-colorado#sthash.SLl5ETnL.dpuf

1/14 9am – 4pm Aurora History Museum
15051 E. Alameda Parkway, Aurora

science1/16 9:30 – 10:30am The Chemistry of Cooking
University of Colorado, Cristol Chemistry Room 140,University Ave., Boulder 80309
“The Chemistry of Cooking!” A very fun show that spotlights the science we do everyday in our own kitchens! This show is especially geared for students grade 4 an up who love to cook, bake, eat …and do science!

dollar sign1/16 10 – 11:30am 401k and IRA: DO’s and DONT’S
1st Bank Building in Belmar- 550 S. Wadsworth Blvd Lakewood 80226
Is a Roth IRA right for you?
How much more money could you have in retirement with a Roth?
Is it ever “too late” to convert your IRA to a Roth?
How to convert and pay the least amount of taxes
What happens if you leave an old 401k with an ex-employer?
How to rollover an old 401k without penalties
Which investment options for your 401k/IRA are suited for today’s economy?
Are taxes and fees eroding your accounts?
Do you know what your fees are and where they fall on the spectrum?
How much should you contribute to each plan?
What are your contribution deadlines?
RSVP 720-287-5880

1/18  Martin Luther King Day

snowflake1/18 – 2/7 Budweiser International Snow Sculpture Championships
Riverwalk center, 150 West Adams Ave., Breckenridge 80424
Stomping Week: 1/18/2016 – 1/22/2016
Budweiser International Snow Sculpture Championships: 1/26/2016 – 1/30/2016
Snow Sculpture Viewing Week (weather permitting): 1/30/2016 – 2/7/2016

flower pink1/18 Denver Botanic Gardens
1007 York Street, Denver 8-0206

dollar sign1/23 10 – 11:30am Social Security and Income Planning
1st Bank of Belmar- 550 S Wadsworth Blvd Lakewood CO 80226
NEW SOCIAL SECURITY LAW- what you can still do before May 2016
Did you know there are over 500 irrevocable ways for a married couple to collect SS?
Avoid the most common filing mistakes
Find more benefits you didn’t realize you were eligible for
Increase lifetime benefits by tens of thousands of dollars
Strategies to reduce Social Security taxes
How to maximize ex, current and deceased spousal benefits
Retirement income sources: pros and cons
How to ensure life-long income
Q and A opportunity with Social Security expert
RSVP 720-287-5880

1/25 Denver Museum of Nature and Science
2001 Colorado Blvd. Denver 80205

note1/27 7:30pm Concert – Lamont Wind Ensemble
Lamont School of Music, Newman Performing Arts Center – Gates Concert Hall
“Strike up the band!” This versatile ensemble performs classic band literature and exciting new works from the wind ensemble library. Features faculty soloists John Kinzie, percussion and Julie Duncan Thornton, flute.
Chris.Wiger@du.edu

snowflake1/29 – 1/30 UllrGrass in Golden
Put on your faux fur and Viking horns for this family-friendly winter music and beer fest surrounded by the beauty of the Rocky Mountain foothills in Golden. Highlights include the UrllGrass Parade, music from local and national bluegrass musicians and tons of local food and craft vendors.
See more at: http://www.colorado.com/articles/winter-events-colorado#sthash.SLl5ETnL.dpuf

dollar sign2/11 6 – 7:30pm 401k and IRA: DO’s and DONT’S
1st Bank Building in Belmar- 550 S. Wadsworth Blvd Lakewood 80226
Is a Roth IRA right for you?
How much more money could you have in retirement with a Roth?
Is it ever “too late” to convert your IRA to a Roth?
How to convert and pay the least amount of taxes
What happens if you leave an old 401k with an ex-employer?
How to rollover an old 401k without penalties
Which investment options for your 401k/IRA are suited for today’s economy?
Are taxes and fees eroding your accounts?
Do you know what your fees are and where they fall on the spectrum?
How much should you contribute to each plan?
What are your contribution deadlines?
RSVP 720-287-5880

dollar sign2/20 10 – 11:30am Social Security and Income Planning
1st Bank of Belmar- 550 S Wadsworth Blvd Lakewood CO 80226
NEW SOCIAL SECURITY LAW- what you can still do before May 2016
Did you know there are over 500 irrevocable ways for a married couple to collect SS?
Avoid the most common filing mistakes
Find more benefits you didn’t realize you were eligible for
Increase lifetime benefits by tens of thousands of dollars
Strategies to reduce Social Security taxes
How to maximize ex, current and deceased spousal benefits
Retirement income sources: pros and cons
How to ensure life-long income
Q and A opportunity with Social Security expert
RSVP 720-287-5880

Social Security & Income Planning

January 23, 10 – 11:30am Social Security & Income Planning
1st Bank Building in Belmar, 550 S. Wadsworth, Lakewood 80226
Topics include: strategies to reduce Social Security taxes, how to maximize spousal benefits, and how to create life-long income. These unique classes are based on academic and government research and are taught by Certified Financial Planner™ Jo-Ann Holst. Refreshments and complementary planning materials will be provided. There is no cost to attend and nothing will be sold.
RSVP requested. 720-210-7672

401K and IRA – Do’s and Don’ts

January 16 10 – 11:30am 401K and IRA Do’s and Don’ts
1st Bank Building in Belmar, 550 S. Wadsworth, Lakewood 80226
Topics include: is your 401k/IRA in the right investment, taxes and fees: don’t get eaten alive, conversions, rollovers and contribution. These unique classes are based on academic and government research and are taught by Certified Financial Planner™ Jo-Ann Holst. Refreshments and complementary planning materials will be provided. There is no cost to attend and nothing will be sold. RSVP requested. 720-287-5880