Kristi Sullivan

Personal Finance, Retirement, Investing
“With her experience and education as a Certified Financial Planner ™ designee, Kristi Sullivan will work with her clients to piece together their unique financial puzzle.”

Sullivan Financial Planning, LLC

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Kristi Sullivan has been helping people achieve financial security since 1996.

After graduating with a B.S. in Business from Colorado State University, Kristi worked for Great-West Life in the employee benefits department for three years. This experience gave her a strong background in employer retirement plans, Flexible Benefit Accounts, and group medical plans.

Departing for Fidelity Investments in 1998 gave Kristi the chance to learn more about financial planning on a personal level. In her nine years at Fidelity, my duties included operations, compliance, financial planning, and teaching investment classes.

Sullivan Financial Planning, LLC was formed in 2007 with the goal of providing clients exactly the type of help they needed, without the pressure of corporate quotas or sales numbers directing the recommendations.

Kristi holds the Certified Financial Planner™ designation and the  Series 65 and Colorado Life & Health Insurance Licenses. She is a member of the Financial Planning Association, The Alliance of Professional Women, The Women’s Estate Planning Council, and the Denver Alumnae of Chi Omega.

She is proud to have been a volunteer speaker for the non-profit Evelyn Brust Foundation. As a speaker for the Brust Foundation, she presented on achieving financial security at public libraries for the purpose of providing the general public an education without a sales pitch.

In Kristi's down time is spent with her husband and two sons. She is always up for a ski day,  travel, seeing plays, and reading a good book.


BS, Business, Colorado State University

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March 2017
    Real Estate, Retirement, Retirement Living
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    Retirement, Investing, 401(k), Asset Allocation, IRAs, Mutual Funds
Is it wise to continue an aggressive investing strategy as a 61-year-old with a considerable amount of assets and money saved?
75% of people found this answer helpful

The biggest consideration most planners use to determine how much risk to take is how long it will be before you need to use that pool of money.  That is not necessarily your retirement age.  In your case, if you plan to work another 6 years and your wife's income plus rental income will cover the household bills, your time horizon is 17 years.  That is a long time and you can still have an aggressive portfolio (assuming you have the stomach for it during stock market declines).

Even an aggressive growth portfolio should have 15% bonds at a minimum to give you diversification and cushion during a recession.

Hope that helps!


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    Debt, Investing, Choosing an Advisor
How can financial advisors target the 50 percent of Americans that are not investing currently?
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    Investing, Real Estate
I've come into a large amount of money. Should I invest it or pay off my mortgage?
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February 2017
What's the difference between an individual retirement account (IRA) and a certificate of deposit (CD)?
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March 2017
    Personal Finance
Should I be wary of fake news in the business sector?
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February 2017