About Our Founder

Barbara Swiatek

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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