Annie Garland, CFP - WealthClarity

Annie Garland, CFP - WealthClarity You’re in your 40s or 50s, balancing kids, careers, and concerned about your aging parents. Life’s busy, and the financial to-dos can feel overwhelming. My goal?

Financial Advisor | Helping ambitious women and couples build a strong, organized financial strategy that brings a sense of clarity, confidence, and control. | Proud Mom, Wife & Mountain Biker Retirement is on the horizon and you're interested in learning more about what you should be doing now to retire on your terms and with enough saved to enable you to live the lifestyle you desire. To make th

e path to retirement simpler and clearer. What you’ll learn:

How to get financially organized so nothing slips through the cracks. Proven ways to lower taxes before and during retirement. Strategies for investing with confidence (without analysis paralysis). How to replace money stress with clarity and the confidence to stay the course. If you’re ready to trade chaos for calm and build retirement habits that last, subscribe here. (Educational content only. Not investment, tax, or legal advice.)

Happy Anniversary to my husband, Matt. Fourteen years of marriage, two incredible daughters, one very sweet Goldendoodle...
06/02/2026

Happy Anniversary to my husband, Matt. Fourteen years of marriage, two incredible daughters, one very sweet Goldendoodle. Our adventure together keeps getting better. ❤️

Ceremony and pictures held at Matt's family's property in Virginia.

𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀!I’m opening up my 𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀 for June, July, and August. Complimentary 30‑minute, judgment‑...
05/27/2026

𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀!

I’m opening up my 𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀 for June, July, and August.

Complimentary 30‑minute, judgment‑free conversations for anyone who wants to talk through a financial question or a big decision you've been navigating.

If you’ve been meaning to finally ask that “I should probably know this by now, but…” question, please grab a spot!

• 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝗝𝘂𝗻𝗲 𝟵𝘁𝗵 𝟯 - 𝟳𝗽𝗺
• 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝗝𝘂𝗹𝘆 𝟳𝘁𝗵 𝟭𝟭 - 𝟯𝗽𝗺
• 𝗧𝗵𝘂𝗿𝘀𝗱𝗮𝘆, 𝗔𝘂𝗴𝘂𝘀𝘁 𝟭𝟯𝘁𝗵 𝟯 - 𝟳𝗽𝗺

All times are Mountain Time but you are more than welcome to book if you live outside of Colorado.

Scheduling link in the comments.

05/21/2026

"𝙄 𝙝𝙖𝙫𝙚 𝙡𝙞𝙫𝙚𝙙 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙖 𝙡𝙤𝙩 𝙤𝙛 𝙝𝙞𝙨𝙩𝙤𝙧𝙮, 𝙗𝙪𝙩 𝙄 𝙨𝙬𝙚𝙖𝙧, 𝙖𝙣𝙙 𝙄 𝙬𝙞𝙡𝙡 𝙨𝙬𝙚𝙖𝙧 𝙞𝙛 𝙮𝙤𝙪 𝙙𝙤𝙣'𝙩 𝙢𝙞𝙣𝙙, 𝙡𝙞𝙛𝙚 𝙝𝙖𝙨 𝙣𝙚𝙫𝙚𝙧 𝙗𝙚𝙚𝙣 𝙩𝙝𝙞𝙨 [𝙗𝙡𝙚𝙚𝙥𝙞𝙣𝙜] 𝙚𝙭𝙥𝙚𝙣𝙨𝙞𝙫𝙚!"
- Phone call from an 85 year old client yesterday

05/20/2026

My morning workout had a really great and creative exercise: "𝘁𝗵𝗲 𝘂𝗻𝗲𝘃𝗲𝗻 𝗹𝘂𝗴𝗴𝗮𝗴𝗲 𝗰𝗮𝗿𝗿𝘆".

One very heavy weight hanging down by your side. Another, lighter but still substantial, resting up on your opposite shoulder. Then walking lunges, stopping in the middle.

Try it. It’s hard! It forces you to stabilize, balance, and stay focused with every step.

When I was a personal trainer, I lost count of how many clients got injured carrying their luggage. They were headed into a trip they were really excited about, planned for, saved for, and suddenly they were at their destination in pain, unable to do all the activities they’d been looking forward to.

This is also how financial imbalance shows up.

Most people don’t get “injured” because their goals or responsibilities are too heavy. They get thrown off because the load is uneven. A big obligation on one side, a meaningful but still weighty goal on the other. And they haven’t built the stability in their financial life to carry both at the same time.

Financial planning is the strength training for this type of inevitable life event.

It’s where you build the core, the balance, the awareness to handle uneven weight without tipping over when life gets busy and unpredictable.

The goal isn’t to remove the weight. It’s to carry it with strength so you can actually enjoy the trip you’ve worked so hard to take.

05/19/2026

I met with a prospective client recently who's been with the same Advisor for a few years.

There are several issues with their relationships, such as lack of responsiveness and follow-through, but the main one is that she doesn't understand what she's invested in.

She assumed the problem was her own lack of investment knowledge.
Then I reviewed her statements and WOW. No wonder she was confused.

There's a big difference between not knowing much about investing and not understanding what your Advisor is recommending.

The first is normal.
In my opinion, the second is a problem.

05/19/2026

I met with a prospective client recently who's been with the same Advisor for a few years.

There are several issues with their relationships, such as lack of responsiveness and follow-through, but the main one is that she doesn't understand what she's invested in.

She assumed the problem was her own lack of investment knowledge.
Then I reviewed her statements. WOW. No wonder she was confused.

There's a big difference between not knowing much about investing and not knowing what your Advisor has you invested in.

The first is normal.
The second is a problem.

𝗜𝘀 𝘁𝗵𝗲𝗿𝗲 𝗺𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗱𝗼𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝟰𝟬𝟭𝗸, 𝗲𝘃𝗲𝗻 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗺𝗮𝘅𝗶𝗻𝗴 𝗶𝘁 𝗲𝘃𝗲𝗿𝘆 𝘆𝗲𝗮𝗿?𝗧𝗵𝗲 𝗮𝗻𝘀𝘄𝗲𝗿 𝗶𝘀 𝗬𝗘𝗦.When both partner...
05/14/2026

𝗜𝘀 𝘁𝗵𝗲𝗿𝗲 𝗺𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗱𝗼𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝟰𝟬𝟭𝗸, 𝗲𝘃𝗲𝗻 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗺𝗮𝘅𝗶𝗻𝗴 𝗶𝘁 𝗲𝘃𝗲𝗿𝘆 𝘆𝗲𝗮𝗿?

𝗧𝗵𝗲 𝗮𝗻𝘀𝘄𝗲𝗿 𝗶𝘀 𝗬𝗘𝗦.

When both partners are already maxing their 401(k)s, the lever to save more is no longer there. But the lever to optimize is still wide open.

• You likely have a Roth vs. pre‑tax decision. (𝘌𝘷𝘦𝘯 𝘩𝘪𝘨𝘩‐𝘪𝘯𝘤𝘰𝘮𝘦 𝘦𝘢𝘳𝘯𝘦𝘳𝘴 𝘰𝘧𝘵𝘦𝘯 𝘩𝘢𝘷𝘦 𝘵𝘩𝘪𝘴 𝘤𝘩𝘰𝘪𝘤𝘦.) Does the decision you made years ago still fit your current tax picture and goals?

• Does one plan have high fees or weak investment options? And are you making 401(k) decisions in isolation instead of looking at your whole financial life?

• Is your investment allocation still aligned with your goals, timeline, and risk tolerance? Maybe you picked a target‑date fund at 25 and you’re now 55. Is that allocation working for you? Or you built an aggressive equity mix when you started saving and haven’t touched it since.

• Most people focus on saving, not how they’ll eventually use the money. Without thinking ahead to your withdrawal strategy, you can create unnecessary tax drag later.

The takeaway... a quick annual 401(k) check‑in may meaningfully improve your long‑term outcomes. It's worth your time!

05/11/2026

Most “missed opportunities” in financial planning come from the Advisor-Client team being reactive rather than proactive.

When your Financial Advisor knows enough about your life to anticipate your needs and is organized with their planning process, you may be able to avoid costly mistakes or take advantage of time-sensitive opportunities. Not always, but sometimes.

A few examples of time sensitive planning opportunities include a window to refinance, RSU vesting, or a great year to do a Roth conversion.

05/06/2026

𝗖𝗮𝘀𝗲 𝘀𝘁𝘂𝗱𝘆: 𝗧𝗵𝗲 𝗮𝗱𝘃𝗲𝗻𝘁𝘂𝗿𝗼𝘂𝘀 𝗰𝗼𝘂𝗽𝗹𝗲 𝘄𝗵𝗼 𝗱𝗲𝘀𝗶𝗿𝗲 𝘁𝗼 𝗺𝗼𝘂𝗻𝘁𝗮𝗶𝗻 𝗯𝗶𝗸𝗲 𝗮𝗹𝗹 𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝘄𝗼𝗿𝗹𝗱 𝘄𝗵𝗶𝗹𝗲 𝘁𝗵𝗲𝘆 𝘀𝘁𝗶𝗹𝗹 𝗰𝗮𝗻.

Robert and Katie are 48 and 46. Two kids in middle school, both working full-time, household income in the mid-six figures. They're avid mountain bikers, love to camp, and spend most weekends juggling their kids' sports and making time for their own passions.

They came in with a specific question.

"𝙒𝙚 𝙬𝙖𝙣𝙩 𝙩𝙤 𝙨𝙩𝙖𝙧𝙩 𝙩𝙖𝙠𝙞𝙣𝙜 𝙤𝙣𝙚 𝙗𝙞𝙜 𝙩𝙧𝙞𝙥 𝙚𝙫𝙚𝙧𝙮 𝙮𝙚𝙖𝙧. 𝙋𝙖𝙩𝙖𝙜𝙤𝙣𝙞𝙖. 𝘽𝙧𝙞𝙩𝙞𝙨𝙝 𝘾𝙤𝙡𝙪𝙢𝙗𝙞𝙖. 𝙎𝙡𝙤𝙫𝙚𝙣𝙞𝙖. 𝙄𝙨 𝙞𝙩 𝙖 𝙗𝙖𝙙 𝙞𝙙𝙚𝙖? 𝘾𝙖𝙣 𝙬𝙚 𝙖𝙛𝙛𝙤𝙧𝙙 𝙞𝙩?

𝙒𝙚 𝙙𝙤𝙣'𝙩 𝙬𝙖𝙣𝙩 𝙩𝙤 𝙬𝙖𝙞𝙩 𝙪𝙣𝙩𝙞𝙡 𝙬𝙚 𝙧𝙚𝙩𝙞𝙧𝙚 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙬𝙝𝙤 𝙠𝙣𝙤𝙬𝙨 𝙞𝙛 𝙬𝙚'𝙡𝙡 𝙨𝙩𝙞𝙡𝙡 𝙗𝙚 𝙖𝙗𝙡𝙚 𝙩𝙤 𝙙𝙤 𝙩𝙝𝙚𝙨𝙚 𝙩𝙮𝙥𝙚𝙨 𝙤𝙛 𝙩𝙧𝙞𝙥𝙨 𝙖𝙩 𝙩𝙝𝙖𝙩 𝙖𝙜𝙚."

They weren't looking for a conversation about the opportunity cost of spending the money on these trips now verses investing for the future. The opportunity cost was presenting itself more in the sense of '𝙩𝙝𝙚𝙨𝙚 𝙚𝙭𝙥𝙚𝙧𝙞𝙚𝙣𝙘𝙚𝙨 𝙢𝙖𝙮 𝙣𝙚𝙫𝙚𝙧 𝙝𝙖𝙥𝙥𝙚𝙣 𝙞𝙛 𝙬𝙚 𝙙𝙤𝙣'𝙩 𝙙𝙤 𝙩𝙝𝙚𝙢 𝙣𝙤𝙬'.

We did a deep dive into their current financial life.

Took a hard look at their retirement trajectory. They are ahead. Significantly ahead.

College savings goals... also on track.

We established a dedicated adventure account, separate from other cash savings and from accounts earmarked for retirement. Funded automatically every month just like they've always done for their long-term savings. When the trip happens, the money is already there.

We did a simple cash flow audit that found roughly $14,000 a year of lifestyle spending neither of them could account for. Some of that will become meaningful trip funding.

They walked out the door feeling like they had just gotten a third party's permission to splurge on one of these big trips a year. And it wasn't all that complicated to come to this conclusion with confidence.

If you've been waiting for the right time to pull the trigger on some exciting (𝘺𝘦𝘵 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭𝘭𝘺 𝘳𝘦𝘴𝘱𝘰𝘯𝘴𝘪𝘣𝘭𝘦!) adventures, maybe the time to do so is NOW.

05/06/2026

𝗠𝗼𝘀𝘁 𝗽𝗲𝗼𝗽𝗹𝗲 𝗸𝗻𝗼𝘄 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘁𝗵𝗲𝘆 𝗲𝗮𝗿𝗻. 𝗩𝗲𝗿𝘆 𝗳𝗲𝘄 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲𝘆'𝗿𝗲 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗸𝗲𝗲𝗽𝗶𝗻𝗴.

You can probably tell me your salary to the dollar, but can you tell me what's left after taxes, spending, insurance premiums, fees, etc?

It's completely normal not to know. But it's really, really GOOD to know.

Address

1746 Cole Boulevard Ste 225
Lakewood, CO
80401

Telephone

(720)6031425

Website

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