SF Financial Services

AN INDEPENDENT FINANCIAL ADVISORY FIRM

Independent, Fiduciary Advice About Retirement

SF Financial Services was founded in 2005 with an emphasis on retirees and those nearing retirement. Retirement planning companies like ours are different from firms who focus on the accumulation phase of life, where you can afford to “buy and hold” and wait out a market drop or recession. Our approach is to reduce market risk as much as possible for people starting to seriously plan for retirement—usually at age 50+. (But remember, the younger you start planning for retirement, the better.)

At SF Financial Services, we review your individual needs and portfolio, talk about your goals and dreams, and design a retirement plan to help you throughout the years ahead. You’ll need to be prepared for: estate planning, leaving a legacy, unplanned illness, stock market losses and risks to your nest egg, life insurance options, ensuring you aren’t paying too much in taxes, and planning for supplemental income so you don’t run out of money.

What Does Fiduciary Mean?

At its core, fiduciary means putting others’ best interests ahead of all else. Although other financial advisors sometimes claim to be fiduciaries, we are legally structured as a fiduciary. This means that we will do our research and due diligence in terms of what we recommend to you at each juncture when it comes to your finances and your retirement, and present only what we believe to be your best options in our professional opinion, even if those options don’t benefit us or our firm.

WHAT'S IN A NAME

Our name, SF Financial, has two meanings. One is “Swiatek Family,” and the other is “Safety First,” our motto.

We believe in treating people like family members and friends, and focusing on the management of your financial assets so that you have added confidence knowiing that there is a plan in place to help you reach your retirement goals.

WHAT'S IN A NAME

Our name, SF Financial, has two meanings. One is “Swiatek Family,” and the other is “Safety First,” our motto.

We believe in treating people like family members and friends, and focusing on the protection of your financial assets so that you have the best possible chance of achieving peace of mind when it comes to your retirement.

Retirement Planning Companies Should Focus On Your Desires

Financial planning encompasses many different things for different people, but at its core, planning is really all about your life, dreams, goals and vision. Do you want to move to a tropical island and sail every day? Are you looking to that perfect final, smaller home with mountain views? Do you want to fly out to visit your grandchildren every month?

In other words, what’s on your mind as you approach retirement–what are you most looking forward to? Whether you’re wondering if you should rollover your IRA or leave it where it is, renew your CDs or buy an annuity, file early for Social Security, or remodel the kitchen, we’re here to help you navigate your investment decisions and work toward your financial goals with added confidence. Your specific circumstances will determine the planning strategies we develop together. Let us help simplify the retirement planning process for you.

Meet Our Founder

Barbara SWIATEK

For more than a decade, financial advisor Barbara Swiatek has been helping hundreds of families in Colorado Springs get out of debt, plan for the out-of-pocket expenses of their children’s college education, and prepare for their retirement using well-defined and personalized strategies. “I believe you have to start with a written, strategic retirement plan to help with liquidity, added safety, income and growth,” Barbara says.

As a result of her experience and observations, the “Safety First” motto is the driving force behind each personalized retirement strategy she prepares for her clients as their retirement consultant. Barbara is passionate about retirement planning because “I saw so many people in 2001 and 2008 that were close to or already in retirement, who lost so much money in the stock market. That doesn’t make the stock market bad, it just means the individuals were not properly invested for the stage of life they were in. They didn’t have an exit strategy or an overall strategic plan. So many people had to go back to work, change their lifestyle, delay retirement or have fear of running out of money before running out of life. My own grandmother, a 97-year-old widow when she passed away, had not one but two advisors that had her investments in “aggressive” portfolios. This is wrong and yet I still see it every day!!”

Barbara focuses on helping people generate sufficient retirement income, preserve the wealth they have spent years accumulating, and transfer their legacy to future generations. “I focus on preparing individuals for the realities of retirement, helping them with income planning, risk reduction, tax-advantaged estate planning and wealth transfer strategies, and minimizing taxation through proper distribution planning during retirement.”

A fiduciary and investment advisor representative licensed in all states across the U.S., Barbara is also licensed in Colorado for life insurance, health and long-term care. In her role as financial advisor and retirement consultant, Barbara is also a community educator. She hosts public workshops on personal finance and retirement planning throughout Colorado Springs, and through her workshop events, brings her knowledge and experience to those seeking sound and predictable strategies in preparing for financial milestones and retirement.

As Barbara says, “In my opinion, a great financial advisor should help educate you and make sure you do not overlook potential pitfalls in overall planning. They should have experience in areas such as Social Security benefits optimization and retirement income planning. They should be well-versed in RMDs (Required Minimum Distributions) which kick in at age 70-1/2 and can create a huge tax hit if not properly planned for.”

An entrepreneur by nature, Barbara has been involved in the financial services industry for years, originally founding the firm in 2005 as a mortgage brokerage. She quickly recognized the huge need for college planning services for parents struggling to pay for rising college tuition costs. College Planning of Colorado was the result, a sister endeavor to SF Financial Services, still providing help to the families who need it. Now SF Financial has found its niche focusing on retirement planning under her leadership.

With so many hours spent working in the office, hosting educational events and seminars, recording her radio show, “Retire Financially Fit,” and raising a family, Barbara still finds time to kick off an annual gift drive each Thanksgiving in partnership with local restaurant partner, Biaggi’s, for Children’s Hospital Colorado. One week before Christmas they gather at the restaurant to wrap and deliver all of the gifts they’ve collected from clients and the community at large, with the goal of at least one gift of new clothes, shoes or toys for each family under the tree. The effort has grown larger each year, and Barbara finds it very rewarding to give back to the community. She hopes to do even more in the future.

Barbara has been married to her husband for nearly 40 years. They raised five children together, have six grandchildren and their youngest has just started college. They love the outdoors, family gatherings, Colorado mountain views, camping and snow skiing.

LET'S CONNECT

Schedule a complimentary consultation to discuss your personal situation by calling (719) 597-2179 or sending us a quick email through our contact page. We can meet in person in Colorado Springs or virtually from anywhere at your convenience.

LET'S CONNECT

Schedule a complimentary consultation to discuss your personal situation by calling (719) 597-2179 or sending us a quick email through our contact page. We can meet in person in Colorado Springs or virtually from anywhere at your convenience.

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