Who We Serve

Busy Professionals

Pre-Retirees

Inheritors

Those Navigating Divorce

Business Owners

You Have One Opportunity to Get It Right

Planning is crucial in your peak earning years, and you only have one chance to get it right. As you near retirement, any misstep during these critical years could significantly increase the risk of you outliving your wealth, or force you to dramatically change your lifestyle later in life. 

We take a comprehensive and holistic approach to crafting your retirement plan, weaving together every facet of your financial and personal life—your retirement income sources, fixed and discretionary expenses, potential healthcare costs, and legacy aspirations—while emphasizing diversification and tax efficient strategies for a secure future.

Here are some of the strategies we’ll deploy when creating your retirement plan:
  • Reduce your tax liabilities through robust tax planning strategies 
  • Evaluate the timing of when to take Social Security
  • Determine the best charitable giving vehicles for you and your family, and the gifting strategies to deploy
  • Assess your estate plan and offer observations and recommendations to make sure the plan accomplishes your objectives
  • Maximize withdrawal strategies both pre- and post-retirement
  • Optimize your retirement account asset allocation (401(k), IRA, Roth IRA, HSA, etc.)

Rebecca's Story

click here to read rebecca's story

Ready to Simplify and Secure Your Financial Life?

Contact Us and we’ll be in touch to schedule an introductory call.

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Peak Asset Management

  • 1371 East Hecla Dr., #A
    Louisville, CO 80027

  • 303.926.0100

    800.298.9081

Contact Us Today
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Assets Under Management as of December 31, 2025*
© copyright peak asset management 2026

Rebecca's Story

Retirement brings a new set of tax-related challenges that can significantly affect the longevity of your savings as you enter this new chapter.

Rebecca's Challenge

Rebecca is nearing retirement, and she and her husband have spent years building their retirement nest egg. As she approaches this milestone, they face the challenge of minimizing their tax liability while also ensuring their wealth supports the causes they cherish and the loved ones they hold dear.

Our Approach

At Peak Asset Management, we met with Rebecca and her husband to better understand the tax implications they would face once retired based on the various income sources they anticipated receiving. We gathered their information and developed several detailed, personalized reports to identify the types of assets they owned, income resources, anticipated expenses, how inflation would affect their costs and cash flow over time, and their expected tax rates and brackets now and in the future.

Prior to accessing retirement accounts to supplement cash flow, we set up a plan to take from more tax efficient accounts to keep their effective tax rate as low as possible. Considering their philanthropic desires, once they turned age 73, we implemented a strategy to take tax efficient withdrawals from retirement accounts by leveraging Requirement Minimum Distributions (RMDs) with Qualified Charitable Distributions (QCDs), resulting in tax-free distributions from these accounts.

We also assisted with their gifting objectives, establishing annual contributions to their grandchildren’s 529 plans for their future educations. These accounts provided both a tax deduction and tax-free growth, assuming future distributions are used for qualified educational expenses by their grandchildren. This gifting approach accomplished both yearly tax savings and legacy planning goals.

While focusing on the above financial and tax planning strategies, we also managed their investment risks by emphasizing preservation over aggressive growth. We tailored their portfolio to prioritize stability using diversified, low-risk assets and tax-smart techniques to stretch their wealth through retirement. This personalized investment plan helped minimize the broad range of potential outcomes of their financial plan and increased the likelihood of success.

This complete and thorough approach to wealth management ensured Rebecca’s transition into retirement was consistent with her goals and values, safeguarding her savings while maximizing her impact.

And as life happens, and as new financial decisions are considered and implemented, we will be able to assist Rebecca seamlessly, providing support and analysis so objectives are fulfilled and stress is minimized in retirement.