Retirement is better

without Uncle Sam.

Retirement is wonderful with family - with the exception perhaps of a particular uncle - Uncle Sam.

Nobody enjoys paying taxes.  Even less so in retirement. But what if taxes start going up? With the US National Debt increasing daily, tax increases in retirement seem more likely. 

 

Higher taxes = Less retirement spending

 

Thankfully there are steps we can begin to take today to begin insulating our portfolios from the likelihood of higher taxes in the future.

There is no one silver bullet. Let's face it - comprehensive financial planning is complex. Retirement, inflation, college, health care, stocks, bonds, mutual funds, ETF's, life insurance, real estate, debt management, structured notes, annuities, 529 plans, TSP, rollovers, market volatility, political impacts, estate planning, Social Security, IRA, Roth IRA, 401(k), 403(b) and, of course, the likelihood of rising taxes due to increasing national debt and related impacts.

As an independent firm, we believe in process before product.  We focus first on helping our clients understand how money works, which is often not what Wall Street or the government might lead you to believe.  With a foundation of knowledge in place, we help put everything together in a plan that is easy to understand.

Services

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Your financial future - simpler and safer.

Life is busy, which can make it harder to keep your finances organized. We help you clearly see your entire financial picture, including your various investments, savings, life insurance, real estate, income, expenses, Social Security and pension benefits, lifestyle, as well as how rising tax rates can affect your retirement. 

Retirement Planning

Our goal with each client is to help them reach or maintain Position "A".

Position "A" is having a plan that allows you to enjoy the lifestyle you want and never run out of money.

We make sure to take into account such important factors as inflation, taxation, market risk, health care, and long term care so that your plan can withstand the test of time.

The Power of Zero Taxes

Many Americans are concerned that taxes may increase in the future. With the national debt and deficit being so high, and programs such as Medicare and Social Security taking so much of GDP, we tend to agree.

For clients that share our concern, we seek to implement recommendations to help reduce their taxes in retirement or, if possible,

eliminate them altogether.

 

Independent & Fiduciary

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What does it mean to be independent?
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It means we are not beholden to any particular strategy or product. We do not have to push a particular mutual fund or investment idea because "corporate says so".
Our licensing allows us to implement products of all types to our clients such as stocks, bonds, precious metals, life insurance, annuities, mutual funds, and structured notes.
Imagine trying to successfully complete a round of golf with just a driver. Or just a 5-iron. Or just a putter. 
Different tools exist for a reason. When properly designed and implemented together as part of a comprehensive plan, the results are significant and impactful.
What does it mean to be fiduciary?
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A stock broker wants to sell you stocks and bonds. A real estate broker wants to sell you property. An insurance agent, insurance policies.  While there may be nothing wrong with these products, none of those licenses require the agent or broker to act in the best interest of the client.
Financial advisory regulations state that the "fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance or annuity products.  Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation."
With our planning approach, regardless of whether your recommendations include assets under management, insurance and/or annuity products,  rest assured that we take pride in acting in your best interest.

About Us

We have been helping individuals and businesses since 2007.  We enjoy an A+ rating with the Better Business Bureau

When it comes to determining financial recommendations, one size does not fit all. We take our fiduciary responsibility seriously and look forward to the opportunity of helping you achieve your dreams and goals in the manner in which you believe to be in your best interest.

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John handles a wide range of client current and future needs. He is an Investment Adviser Representative, with investment advisory services offered through Brookstone Capital Management, LLC, an SEC Registered Investment Adviser. He maintains the Series 65 Investment Advisor Representative license, which requires acting in a fiduciary capacity for his investment management clients - always acting in their best interests.
 

With an educational approach, using sophisticated financial software, he reviews the client's Personal Economic Model (PEM) to evaluate and explain how their income, expenses, tax exposures, market risk, assets, liabilities, inflation, Social Security, pensions, and lifestyle can affect their financial goals such as college planning and retirement planning. Recommendations are then formulated from the universe of investment options and modeled to demonstrate if and how their financial goals may be better accomplished.

John is a proud member of the Elite Power of Zero Advisor Group.  Taxes are something nearly everyone wants to minimize. Can you imagine a zero tax retirement? For most, regardless of net worth, this can become a reality with proper planning.

John is also a member of SOFA (The Society for Financial Awareness) - a 501(c)(3) non profit public benefit corporation whose mission is to provide financial education across America, one community at a time.  John donates time across Colorado  conducting no-cost, no obligation financial seminar workshops to individuals, companies, and organizations.

John is also a member of the College Authority - a network of college funding advisors whose main goal is to help families successfully undertake the complex college admissions and financial aid process through college counseling. The College Authority's unified mission is to help educate and deliver families of college-bound students with helpful admissions, financial aid, and college funding resources.

 

A more protective stance is foundational to his practice. He believes there is more to be gained for his clients by helping avoid losses than by trying to pick winners.

He began his college studies at the University of California, Santa Barbara where he graduated with honors with a Bachelor of Arts in business economics.  He married the love of his life and best friend, Jeanne, in 1999. They reside in Black Forest, Colorado.

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John Chapman

 

In 2007, John Chapman founded CPCS (Chapman Private Client Services), a full-service firm catering to the wealth management, college prep and financing, and retirement planning needs of pre-retired and retired clients through a custom financial planning process.

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Dean Zayed

JD, LLM, CFP®

 

 

 

 

 

 

 

 

Dean Zayed, JD, LLM, CFP® is founder, president and CEO of Brookstone Capital Management LLC (BCM), an SEC Registered Investment Adviser. BCM has forged strategic relationships with independent investment advisors around

the country who affiliate with BCM as Investment Adviser Representatives (IARs). In this capacity, IARs are able to utilize BCM’s vast money management experience and infrastructure, allowing the IARs to provide their clients with BCM’s professionally managed portfolios. BCM, through its network of IARs, provides comprehensive  financial planning, including asset allocation, retirement planning, education planning and portfolio management, and is committed to offering a one-source solution for the management, growth and preservation of clients’ wealth.

Dean received his Juris Doctor from Northwestern University School of Law and his master’s in Taxation (LLM) from Chicago-Kent College of Law. In addition, Dean has earned the CERTIFIED FINANCIAL PLANNER™ professional designation and holds an insurance license for life, health and long-term care in Illinois.

What’s more, Dean has appeared as a financial professional (or “guru”) on CNBC, Fox Business Channel, Bloomberg TV, the Street.com and WGN and has been featured in numerous financial publications.

 


 

Mark DiOrio

CFA

Mark DiOrio, CFA, joined Brookstone Capital Management, LLC, as chief investment officer in 2015. Previously, he was responsible for launching and managing a boutique investment subsidiary of a publicly traded regional bank holding company. While there, Mark ran a global tactical asset allocation strategy and accumulated an eight-year GIPS® compliant track record. 

Mark has nearly 20 years of investment industry experience, including 10 years of multi-asset class portfolio management. He has been featured in Investor’s Business Daily and quoted in The Wall Street Journal. Mark received his MBA from Benedictine University and holds the Chartered Financial Analyst professional designation. Mark also is a member of the CFA Institute and CFA Society of Chicago.
 

 
 

Contact us

Email & Phone:

admin@cpcsplanning.com

Tel: 719-495-5888

Address

13540 Northgate Estates Dr

Suite 100

Colorado Springs, CO 80921

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Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor.  BCM and CPCS are independent of each other.   Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.  The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. We do not provide tax advice - please seek a licensed tax  professional if you have tax questions.                                                                            © 2020 Chapman Private Client Services / CPCS All rights reserved.

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