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Fiduciary · Series 7 · Series 65 · Golden, Colorado

Retirement Isn't About
Your Balance —
It's About Your Income.

We build Retirement Income strategies that last — for every stage of life.

20+
Years experience
Series 7 & 65
FINRA Licensed
Fiduciary
Always your interest first
Golden
Colorado
Three steps to a confident Retirement
A process designed for clarity — not complexity.
01
Book a Call
Start with a free, no-obligation conversation. We listen first — no pressure, no pitch.
Schedule now →
02
Make a Plan
We build a Retirement Income plan tailored to your life — your goals, your timeline, your Income.
See our process →
03
Retire with Peace of Mind
Know exactly where your Income comes from — and that it will last as long as you do.
See what's possible →
Our philosophy
"Retirement Income isn't built at 65. It's built over a lifetime."
Our commitment
Based in Golden, Colorado. FINRA-licensed Fiduciary. Every recommendation made solely in your best interest.
Our process

Planning takes the mess out of Retirement

As a Fiduciary, every engagement starts the same way: a clear, honest picture of where you are today and a specific plan to get you where you need to go.

01
Needs Analysis

A deep dive into your full financial picture — a current portfolio analysis, a spending analysis to understand what Retirement truly costs you, and a clear target for the monthly Income your plan needs to deliver.

02
Gap Analysis

Scenario-based projections identify exactly where your Income falls short — and how much work is needed to close the gap before Retirement arrives.

03
Income Architecture

A layered Income strategy — Social Security, portfolio, annuities, pensions — sequenced to minimize taxes and maximize lifetime Income.

04
Ongoing Optimization

Markets change. Laws change. Life changes. Your Income plan gets reviewed and adjusted regularly so it stays aligned with where you're headed.

Client testimonials

What clients are saying

★★★★★
"Chris Fleurat has been a huge help since I started my business. He helped me set up a Retirement plan that fit my goals and made the whole process simple and easy to understand."
GG
Griffin G.
Business owner · California
★★★★★
"Chris took what felt like an overwhelming financial picture and turned it into a plan I finally feel confident about. For the first time in years, I can clearly picture a secure future for me and my family."
GQ
Greg Q.
Client · Colorado
★★★★★
"We optimized our Social Security timing, structured our withdrawals, and now we sleep at night knowing exactly where our Income comes from."
JR
Jeff R.
Client · Colorado

Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.

What we do

Services built around your financial life

A Client Focused Approach to every area of your financial life — anchored in planning for Retirement Income.

02
Financial Planning
Every piece of your financial picture aligned around your goals.
All ages
03
Tax Reduction Strategies
Roth conversions, bracket management, and distribution sequencing — keep more of what you've earned.
All ages
04
Small-Business Retirement Plans
Solo 401(k), SEP-IRA, and defined benefit plans — maximize savings, convert equity to Income.
Business owners
05
College Savings
529 plans and gifting strategies — fund education without derailing Retirement.
Families · All ages
06
Life & Long-Term Care
Income replacement, legacy, and long-term care protection.
Income protection
Who we work with

A Retirement Income specialist — and a Fiduciary

Series 7 & 65 licensed. Fiduciary. Golden, Colorado. Working with clients from early career through Retirement.

"Understand your future Income streams and how to assure these resources last as long as you do."
30s
Building the Income foundation
Income-focused asset allocation and long-term Roth planning.
40s
Maximizing the accumulation years
Tax-advantaged strategies and first Income projections.
50s
The transition decade
Social Security modeling, Roth conversions, and Income architecture.
60–70
The critical window
Social Security claiming, Income flooring, RMD strategy, longevity protection.
Our deepest specialty
70+
Optimizing Income in Retirement
Distribution efficiency, RMD management, and survivor Income planning.
Specialized focus
Small Business Owners — at any age
No employer plan, illiquid assets, succession timing — we handle the full picture, including business exit proceeds.
Send us your info and we'll be in touch
What would you like to discuss?

Fiduciary standard — your information is private and never shared.

✓  Thank you — Christopher will follow up within one business day. Call anytime at (303) 717-6278.
Christopher Fleurat, Retirement Income Planning Specialist — Golden, Colorado
Let's talk
Christopher Fleurat
Series 7 · Series 65 · Fiduciary · Golden, CO
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