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MEET OUR PEOPLE
- Linda Y. Leitz
- Jane M. Young
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OUR SERVICES
- widows and widowers
- post divorce assistance
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GETTING STARTED
FINANCIAL RESOURCES

New Address Beginning November 19th 2013:

1271 Kelly Johnson Blvd.
Suite 240
CO Springs, CO
80920

Directions

719.260.9800

E-Mail
Linda's Blog
Jane's Blog

Services

At It's Not Just Money, Inc., we feel that the most effective advisory relationship looks closely at the various pieces that compose each client's financial picture. This includes the following areas:
Balance
  • Tax Planning
  • Individual Income Tax Return Preparation
  • Retirement Planning
  • Review of Insurance Coverage and Needs
  • Estate Planning - Will and Health Power of Attorney
  • Investment Portfolio Review
  • Budgeting and Record Keeping
  • Goal Setting
  • Asset Allocation and Investment Implementation
  • General Financial Planning
  • Coaching
  • Advice and Support for Widows and Widowers
  • Assistance with Post-Divorce Paperwork and Financial Planning

Tax Advice

Many individuals feel that taxes are a major issue over which they have no control and of which they have very little understanding. We help them plan for their taxes throughout the year, not just during tax season. This is done through an understanding of the deductions and other tax savings available to them and establishing record keeping systems that help track and maximize legal methods of lowering taxes. We prepare the individual return for many clients. For clients who have a competent tax preparer, we work with that professional to ensure that proper records are kept and all pertinent information makes it to the final return. (We do not prepare taxes for individuals who are not comprehensive service clients.)

Financial Planning

Goal setting is an important part of the financial planning process. It involves quantifying near term as well as long term goals - deciding what they are, what they will cost, and how to save for them. Perhaps more importantly, the goal setting process gives shape to the quality of life those goals provide. Seeing this clearly keeps clients motivated to reach their goals and helps keep us focused on what's truly important.

An important goal for many clients is retirement. Often people say they want to work until the day they die, which is fine if that's what they enjoy. There is, however, a huge difference in working your entire life because you enjoy work, and working your entire life because you can't afford to stop working. Largely for this reason, we prefer to think of this aspect of planning as identifying when the client is financially independent. We look at what the client plans to spend when they're financially independent and when they'd like to reach independence. We then analyze how to balance their regular savings, debt reduction, and investment risk to work toward achieving that goal. We also compare retirement goals to other major goals, such as education for children and improving their current lifestyle. This analysis is developed individually for each client.

Most people have never received advice on insurance unless it was from someone who wanted to sell them insurance. At It's Not Just Money, Inc., we review insurance coverage for our clients' home, vehicles, health benefits, life, long term care, and any other risk they may have. Because we don't sell insurance or receive referral fees, our clients can be comfortable that any needs we identify are unrelated to compensation to us. Often we can identify coverage that is unnecessary, allowing our clients to save money.

We also help our clients think through the estate plan. This involves deciding whom assets go to at the client's death. We also work with our clients to reduce estate taxes and probate costs when possible.

Investment Counseling

At It's Not Just Money, Inc., we believe in investing, not speculating. We feel that a well balanced approach to investing includes a diversity of types of investments, including some of the less exciting asset classes like bonds and cash equivalents. Diversity, along with good quality criteria in choosing investments, helps to reduce risk and makes achieving goals more feasible. We use no load mutual funds and discount brokerage accounts to implement our investment recommendations. No commissions, referral fees, or wrap fees are paid to us by any outside companies for the recommendations we make to our clients.

Coaching

Coaching is offered as an independent service. The coaching process assists clients in setting and reaching personal and professional goals. This process helps individuals get past self-generated impediments to fulfilling their desires. Appointments are generally held by phone with e-mail follow up. Fees and scheduling are based on individual circumstances. A minimum commitment of three months is required.

Long Term Relationships

Relationship At It's Not Just Money, Inc., we strongly believe that ongoing service is key for most clients. Everyone's needs change as their life progresses. For a Client to assume that their plan is appropriate for all of their life, despite these normal changes, is foolhardy. Our lifelong relationship with clients enables us to help them through the financial transitions in their life. We know that no plan can anticipate every contingency in a person's life and that's why a continuing relationship is vital to each client's financial well being. It is our job to get to know you well enough to help you achieve what is important to you personally. This enables us to have lifelong relationships built on trust and the desires of our clients.