Business Details
Your Trusted Flat Fee-Only Retirement Planner in Highlands Ranch, CO
Staib Financial Planning is a dedicated retirement planning firm committed to helping clients achieve financial security through personalized, tax-efficient strategies. Our flat fee-only model ensures complete transparency, with no commissions or product sales influencing our advice. As Certified Financial Planners and Retirement Income Certified Professionals, we specialize in creating comprehensive retirement plans tailored to individual goals, values, and lifestyles. Our fiduciary duty prioritizes client interests above all else, focusing on long-term relationships built through trust and objective guidance. We serve clients in the south Denver metro area, including Highlands Ranch, Littleton, Lone Tree, and Centennial, while also offering virtual services to US-based clients nationwide. Our expertise spans retirement planning, tax optimization, and low-cost investment management, designed to maximize after-tax income throughout retirement.By combining specialized knowledge with a client-centric approach, we address unique financial challenges while maintaining clear communication and ethical standards. Our commitment to continuous education ensures clients benefit from the latest strategies in retirement income planning and tax minimization techniques. The firm's location in Highlands Ranch provides convenient access for local clients, while virtual capabilities extend our reach to those seeking expert retirement guidance regardless of geography. Through personalized service and a focus on measurable outcomes, we aim to simplify the complexities of retirement planning and empower clients to make informed financial decisions.
Services
Retirement Planning
Tax Planning
Investment Management
Financial Planning
Flat Fee Services
Highlights and features
- We are Certified Financial Planners with specialized retirement expertise
- Our flat fee-only model ensures transparent, conflict-free advice
- We implement tax minimization strategies across all planning aspects
- Our investment approach prioritizes low-cost, diversified portfolios
- We serve as fiduciaries with no product sales or commission incentives
Associations and certifications
- Certified Financial Planner (CFP)
- Retirement Income Certified Professional (RICP)
Services
Retirement Planning
Our retirement planning service creates personalized roadmaps for transitioning into and living through retirement. We analyze current financial status, project future needs, and develop tax-efficient withdrawal strategies. The process considers Social Security optimization, healthcare costs, and longevity factors to ensure sustainable income throughout retirement years.
Tax Planning
We integrate tax minimization strategies across all financial plans to maximize after-tax income. Our approach considers Roth conversions, tax-loss harvesting, and retirement account distribution sequencing. The service focuses on reducing lifetime tax liabilities while maintaining compliance with current regulations and optimizing long-term financial outcomes.
Investment Management
Our investment management service builds low-cost, diversified portfolios aligned with individual risk tolerance and retirement goals. We implement evidence-based strategies while avoiding proprietary products. The approach emphasizes tax-efficient asset allocation, regular rebalancing, and ongoing performance monitoring to maintain alignment with clients' evolving needs.
Financial Planning
We provide holistic financial planning covering cash flow management, risk management, and estate planning considerations. The service integrates all financial aspects to create cohesive strategies addressing both immediate needs and long-term objectives. Regular reviews ensure plans remain relevant through changing market conditions and life circumstances.
Flat Fee Services
Our flat fee structure provides predictable costs with no hidden charges or commission-based incentives. Fees are determined by complexity rather than assets under management. This model ensures objective advice focused solely on client needs while maintaining complete pricing transparency throughout the advisory relationship.
People
Paul Staib
Certified Financial Planner
Paul Staib, CFP and RICP, specializes in retirement planning with over 15 years of experience. He founded Staib Financial Planning to provide unbiased, fee-only advice focused on maximizing retirement income through tax-efficient strategies.
Questions
What services does Staib Financial Planning offer?
We specialize in retirement planning, tax planning, and investment management services delivered through a flat fee-only model without commissions or product sales.
Are you fiduciaries?
Yes, we operate as fiduciaries at all times, legally obligated to act in our clients' best interests without conflicts of interest.
What makes your fee structure different?
Our flat fee-only model provides complete transparency with no hidden costs, commissions, or incentives to recommend specific financial products.
Do you work with clients outside Colorado?
Yes, while based in Highlands Ranch, we provide virtual financial planning services to clients across the United States.
What credentials do your advisors hold?
Our lead advisor holds Certified Financial Planner (CFP) and Retirement Income Certified Professional (RICP) designations demonstrating specialized expertise.
How do you approach tax planning?
We integrate tax minimization strategies throughout all aspects of retirement planning to maximize clients' after-tax income during retirement years.
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