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comprehensive financial planning

The term "financial planning" has been misused to the point that it has become synonymous with insurance and securities - with "product sales" being the real agenda.

True financial planning, however, is about strategy creation that results in a roadmap to success. It involves taking a comprehensive view of one's current reality (including individual lifestyle, income and personal relationships), establishing clear, realistic goals for the future, and setting a sound course to achieve those objectives. Financial planning should always focus on unbiased advice uniquely tailored to each individual's circumstances. It should never be about product sales or commissions.


At Carnick & Kubik we only have one product to offer: impartial financial advice.

• Colorado Springs
675 Southpointe Court
Colorado Springs, Colorado 80906
(719) 579-8000
(800) 447-8181
Denver and Colorado Springs • Denver
5251 DTC Parkway, Suite 1020
Greenwood Village, CO 80111
(303) 741-2560
(800) 447-8181

Fee Only Financial Planner

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Why Hold Bonds?

Bond prices go up when interest rates go down, and rates have been doing just that since the Reagan Administration. Back in 1982, 10-year Treasuries were paying 15%, and after 30 years of steady decline, they dropped below 2% last year and trended down slightly for the first part of 2013. This remarkable three-decade drop in interest rates has been described as the ultimate bull market in bonds, perhaps the most rewarding period for bond...

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comprehensive financial planning

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