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Judy McNary

CFP
Personal Finance, Retirement, Investing
86%
Helpful
10
Answers
7
Articles
9
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“Judy McNary is committed to helping families, individuals, and entrepreneurs achieve financial independence through comprehensive fee-only financial planning and investment management.”
Firm:

Confluence Financial Advisors

Job Title:

Founding Partner

Biography:

Judy is a Certified Financial Planner and founding partner of Confluence Financial Advisors, a fee-only financial planning firm in Boulder, Colorado.

Judy transitioned to financial planning after a successful career in high technology where she co-founded two software companies. Highlights from this phase include being profiled by Entrepreneur Magazine’s ’40 Under 40’ recognition and earning a ‘Best of COMDEX’ award for innovation. After a poor experience with a financial advisor, Judy pursued financial planning with a desire to help others learn from her experience. Upon earning her master’s degree in Personal Financial Planning and completing additional training through the Alliance of Comprehensive Planners, Judy opened her own firm in 2007.  After almost ten years of serving individuals, families, and entrepreneurs, she and co-founder David Gardner merged their fee-only financial advisory firms to launch Confluence Financial Advisors in 2016.

Judy regularly contributes personal finance articles to the Wall Street Journal, U.S. News and World Report, Consumer Reports, Investment News, and other publications. After a nationwide search, she was selected as one of seven financial coaches on “The Invested Life.” This first-of-its-kind online reality series produced by MSN Money featured real people facing today’s most common money concerns and their journey to take control of their finances. Judy remains active in the Alliance of Comprehensive Planners, the National Association for Personal Financial Advisors, and the Financial Planning Association.

Passionate about preparing the next generation, Judy has presented workshops to college organizations and recent graduates to equip them with the tools necessary for financial success. In 2013, Judy published Coin: The Irreverent Yet Practical Guide to Money Management for Recent College Graduates. This practical and witty guide provides millennials a humorous introduction to fundamental financial information. Additional information on Coin is available at www.CoinInTheBank.com.

 

Judy is an adjunct professor at the University of Colorado Leeds School of Business and volunteers for several professional and nonprofit organizations including the Leeds School of Business Professional Mentorship Program and the Downtown Aquarium Dive Team. Judy is a PADI scuba instructor and enjoys swimming, skiing, and traveling. Judy has been married to husband Scott for 36 years with whom she has a daughter and twin sons. 

Judy resides in Boulder County where she and the Confluence Financial Advisors team continue to build relationships with ongoing clients to help them achieve financial independence and realize personal goals and dreams.

Qualifications:

· Certified Financial Planner

· Member of the Alliance of Comprehensive Planners

· NAPFA-Registered Personal Financial Advisor

· Member of the Financial Planning Association

· Author of Coin: The Irreverent Yet Practical Guide to Money Management for Recent College Graduates

Education:

BA, Economics & Computer Science, University of Colorado Boulder
MBA, Finance, University of Colorado Boulder Leeds School of Business
MS, Personal Financial Planning, College for Financial Planning

Fee Structure:

Fee-Only

CRD Number:

281164

Disclaimer:

Nothing contained in this publication is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional.

All Articles
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Most Helpful
September 2018
    Small Business, Small Business Financing
August 2016
    Financial Planning, Investing, Personal Finance, Retirement Savings
July 2016
    Retirement, Retirement Living, Retirement Savings, Lifestage Based Planning, Investing, Pensions
January 2017
    Lifestage Based Planning, Personal Finance, Starting Out
July 2016
    College Tuition

All Answers
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Most Helpful
    Retirement, Investing
What is a prudent investment strategy after I sell my business?
45% of people found this answer helpful

Congratulations!  It's great to be able to cash out on the hard work you've put in over the years.  Look for a comprehensive fee-only financial advisor to create a plan for your retirement that maximizes your nest egg and minimizes your taxes.  As much as possible, use tax-deferred and tax-free retirement savings accounts over the next few years to save money.  A fee-only advisor can create a fixed-income ladder that provides you a 'retirement paycheck' once you've finished working.  Using fixed-income instruments (Treasuries, CDs) you have steady income from your portfolio to live on while still growing the portfolio.  This provides you security and protection from the vagaries of the markets and economies. Unlike expensive annuities, bond ladders are low cost and flexible.  If, like other entrepreneurs, an opportunity comes along, you can readjust the portfolio and ladder funds to put them to work as you see fit. 

Interview a few advisors to find one you feel comfortable with and has the breadth and depth of expertise needed to help someone in your situation.  Don't rush the decision. Good luck!

June 2017
    Investing, IRAs, Lifestage Based Planning
Which retirement account should we set up for our children?
29% of people found this answer helpful
January 2017
    Retirement Savings, Asset Allocation, Taxes
How should I allocate contributions between pre-tax and post-tax retirement savings?
17% of people found this answer helpful
January 2017
    Investing, IRAs
Should I max out my Roth IRA contributions before investing in another vehicle?
17% of people found this answer helpful
June 2017
    IRAs, Taxes
Would contributions to our Traditional IRAs reduce our tax burden?
0% of people found this answer helpful
December 2016