# Bonfire Financial

> Bonfire Financial is an independent, fee-only Registered Investment Advisor in Colorado Springs, Colorado, serving clients nationwide. Founded in 2017 by Brian Colvert, CFP®, the firm coordinates retirement income, taxes, investments, insurance and estate planning for people approaching and in retirement, with a specialty in airline pilots.

## Key facts

- Bonfire Financial, LLC is an independent, fee-only Registered Investment Advisor (SEC-registered, CRD 288522) at 5755 Mark Dabling Blvd #220, Colorado Springs, CO 80919. It serves clients nationwide, in person in Colorado Springs or on Zoom.
- Founded in 2017 by Brian Colvert, CFP®, who has served clients since 2007 and is the CEO.
- Fiduciary and fee-only: paid only by clients, never through commissions. When a plan calls for insurance, it can be placed through Bonfire Insurance, a separately disclosed affiliated entity, disclosed in the firm's Form ADV.
- Best fit: households within about ten years of retirement, couples and single people alike, who want one team coordinating taxes, investments, insurance and estate planning. The planning sweet spot is three to seven years before retirement through the first few years after. Specialties: airline pilots and business owners.
- The Bonfire Method: four 60-minute meetings over four weeks, in person or on Zoom, ending with a written Retirement Roadmap and action checklist. Flat $4,500, paid half at the start and half once the client is happy with the finished plan. Clients who continue with ongoing management or consulting have the $4,500 credited back over their first year of monthly fees; the details are in the advisory agreement. The plan is the client's to keep either way.
- Ongoing investment management: 1.00% per year on the first $2 million, stepping down above that, with a $700,000 investable-asset minimum (children and grandchildren of current clients are welcome at any asset level). Consulting (advice without managing the accounts): a flat $6,000 per year. Form ADV Part 2A is the controlling document for fees.
- Tax planning and returns with Max Pollack, CPA, and Southeast Tax Advisors.
- The Enough Line: a free 9-page worksheet that helps people find how much is enough for retirement: what the life they want costs, where they stand, a rough number, and five levers that move it.
- Contact: (719) 394-3900, spark@bonfirefinancial.com. A first conversation is a 30-minute call booked at https://www.bonfirefinancial.com/fit-call/

## Main pages

- [Bonfire Financial](https://www.bonfirefinancial.com/): Fee-only financial planning in Colorado Springs. Bonfire Financial helps people near retirement coordinate taxes, income, investments and estate planning.
- [The Bonfire Method](https://www.bonfirefinancial.com/the-bonfire-method/): Four meetings. 30 days. Your complete written retirement plan comes first, then you decide what happens next.
- [The Enough Line](https://www.bonfirefinancial.com/the-enough-line/): The Enough Line is a free retirement worksheet: what the life you want costs, where you stand today, your rough number, and the five levers that move it.
- [See If We're a Fit](https://www.bonfirefinancial.com/fit-call/): Spend about 30 minutes with a Bonfire advisor to talk through where you are and what matters most in the years ahead. By the end, you'll have a clear sense...
- [About Us](https://www.bonfirefinancial.com/about-us/): Our founder, Brian Colvert, CFP®, started his career in big brokerage houses. He kept seeing the same thing: products sold because they paid well, not...
- [Our Team](https://www.bonfirefinancial.com/team/): Meet the Bonfire Financial team in Colorado Springs, and read each advisor's story.
- [Brian Colvert, CFP®](https://www.bonfirefinancial.com/team/brian-colvert/): Brian has been serving clients since 2007, beginning his career at Smith Barney and UBS before founding Bonfire Financial in 2017. He started Bonfire to...
- [Nick Coleman, CFP®](https://www.bonfirefinancial.com/team/nick/): Nick is a CERTIFIED FINANCIAL PLANNER™ professional who has built his practice around airline pilots and their families, including pilots at United...
- [Max Pollack, CPA](https://www.bonfirefinancial.com/team/max-pollack/): Max leads tax planning for Bonfire clients through Southeast Tax Advisors (SETA), the affiliated CPA firm he founded and grew from a one-person consultancy...
- [Sarah Price](https://www.bonfirefinancial.com/team/sarah-price/): Sarah is the person who makes everything at Bonfire feel easy: onboarding, paperwork and agreements, the client portal, scheduling, billing, and...
- [Kyle DeMers](https://www.bonfirefinancial.com/team/kyle-demers/): Kyle handles investment research, portfolio analysis, and account oversight at Bonfire, working alongside the firm’s CFP® professionals and custodial...
- [Tax Planning Services](https://www.bonfirefinancial.com/tax/): Year-round tax guidance to help you reduce unnecessary taxes, stay ahead of deadlines, and see how today’s decisions affect the years ahead.
- [Financial Planning for Pilots](https://www.bonfirefinancial.com/pilots/): Mandatory retirement at 65 makes pilots the most deadline-driven retirees we know. Add layered benefits, a compressed peak-earning window, and complex tax...
- [FAQ](https://www.bonfirefinancial.com/faq/): These are the questions we hear most. Have one we missed? Ask us directly.
- [Fiduciary Financial Planning FAQ](https://www.bonfirefinancial.com/fiduciary-financial-planning-faq/): Straight answers to the questions people ask before hiring any advisor, plus the retirement and Colorado-specific questions we hear most.
- [Retirement Calculator](https://www.bonfirefinancial.com/retirement-calculator/): See how long your retirement savings could last. Enter a few simple numbers for an instant estimate of your retirement income, withdrawals, and how long...
- [2026 Social Security and Medicare Cheat Sheet](https://www.bonfirefinancial.com/social-security-medicare-cheat-sheet/): Your Social Security & Medicare questions, answered. Key ages, limits, benefit rules, enrollment windows, and premium thresholds in one place. All free. No...
- [2026 Contribution Limits](https://www.bonfirefinancial.com/current-financial-limits/): The numbers that could shape your financial decisions this year. Contribution limits, tax brackets, and other key planning figures, all in one place.
- [Client Login and Resources](https://www.bonfirefinancial.com/client-resources/): Log in to your accounts, grab a meeting time, or get a quick answer below. And when it's faster to just talk, call (719) 394-3900. A real person answers.
- [Contact Us](https://www.bonfirefinancial.com/contact/): Call, write, or come by. If you are ready to see whether the Bonfire Method fits, the fastest path is a 30-minute walkthrough call.
- [Podcast](https://www.bonfirefinancial.com/podcast/): You worked hard to build your wealth. Don’t let poor planning, missed details, or bad advice unravel it. This podcast from Bonfire Financial with host Brian...
- [As Seen In](https://www.bonfirefinancial.com/featured/): Plain-English answers on retirement, taxes, Social Security, and investing, in national outlets. Here’s where we’ve been featured.
- [Financial Advisor in Colorado Springs](https://www.bonfirefinancial.com/financial-advisor-colorado-springs/): How to find a financial advisor in Colorado Springs, and the five things worth checking before you hire one.
- [Fee-Only Financial Planner in Colorado Springs](https://www.bonfirefinancial.com/about-us/fee-only-financial-planner-in-colorado-springs/): What fee-only actually means, why it matters, and how it differs from fee-based.
- [Careers](https://www.bonfirefinancial.com/careers/): We are a small, independent, planning-first firm in Colorado Springs, and we grow deliberately. We hire people who put clients first, explain money in plain...
- [Disclosures](https://www.bonfirefinancial.com/disclosure/): Bonfire Financial, LLC is a Registered Investment Advisor in the State of Colorado, operating in compliance with current filing requirements. The firm...
- [Privacy Policy](https://www.bonfirefinancial.com/privacy-policy/): What Bonfire Financial, LLC does with your personal information.

## Articles

- [How Billionaires Avoid Taxes Legally (And How You Can Too)](https://www.bonfirefinancial.com/avoid-taxes-legally/): How do billionaires pay next to nothing in taxes? Discover how to avoid taxes legally using strategies the ultra-wealthy have mastered.
- [Can You Retire at 60 With $1.5 Million? A Real Retirement Planning Case Study](https://www.bonfirefinancial.com/retire-at-60/): Can you retire at 60 with $1.5 million? See how spending, taxes, and Social Security impact your retirement plan. See the real case study.
- [You've Saved for Retirement. Now What? 3 Strategies for Retirement Spending](https://www.bonfirefinancial.com/retirement-spending/): You've saved for retirement, but are you ready to spend? Discover 3 retirement spending strategies most people overlook.
- [Investing in Alternatives: Are They Worth It?](https://www.bonfirefinancial.com/alternatives/): Are alternative investments worth the hype? Discover why exclusive investments don't always deliver better returns.
- [Financial Advisor vs. Fiduciary: Why Wall Street Rebranded the Stockbroker](https://www.bonfirefinancial.com/fiduciary/): The title changed. The incentives did not disappear. See how Wall Street reshaped financial advice and why fiduciary duty matters.
- [Did I Make A Mistake Putting All My Money in a Traditional 401(k)?](https://www.bonfirefinancial.com/401k-mistake/): Did I make a 401(k) mistake? See what happens when decades of tax-deferred savings turn into taxable retirement withdrawals.
- [Will AI Replace Your Financial Advisor?](https://www.bonfirefinancial.com/ai-financial-advisor/): Could AI replace your financial advisor? See where technology wins and where human judgment still matters.
- [5 Things That Matter More Than Saving for Retirement](https://www.bonfirefinancial.com/saving-for-retirement/): Saving for retirement is only part of the plan. Learn the 5 financial decisions that can matter more as your portfolio grows.
- [Want to Retire Early? Do These 5 Things First](https://www.bonfirefinancial.com/retire-early/): Thinking about retiring early? Learn five key decisions around taxes, Social Security, healthcare, and investments before you make the move.
- [5 Warning Signs You’re Not Ready to Retire](https://www.bonfirefinancial.com/ready-to-retire/): Think you’re ready to retire? Discover five warning signs that could expose costly gaps in your retirement plan before you make the leap.
- [5 Retirement Tax Planning Moves That Can Lower Your Tax Bill](https://www.bonfirefinancial.com/retirement-tax-planning/): Want to keep more of your money in retirement? Discover 5 retirement tax planning strategies that can help lower your lifetime tax bill.
- [How Much Do I Need in Retirement? What Most Calculators Don’t Tell You](https://www.bonfirefinancial.com/how-much-do-i-need-in-retirement/): How much do I need in retirement? Learn what the 4% rule and most retirement calculators miss, so you don't!
- [What to Do When Your Financial Advisor Retires. 8 Questions to Ask Your New Advisor](https://www.bonfirefinancial.com/new-financial-advisor/): Financial advisor retired? Ask these 8 questions before deciding whether your new financial advisor is the right fit.
- [The Best Investment Strategies for High-Income Earners: $100K, $300K and $600K+](https://www.bonfirefinancial.com/investment-strategies-for-high-income-earners/): Discover investment strategies for high-income earners, including retirement, tax, and wealth-building opportunities.
- [HRA Spillover for United Pilots: How to Maximize Your 401(k) and Take-Home Pay](https://www.bonfirefinancial.com/hra-spillover-united-pilots/): Learn how HRA spillover may help United pilots reduce healthcare costs and keep more money in their pockets.
- [Recently Divorced After 50? How to Protect Your Retirement](https://www.bonfirefinancial.com/divorced-retirement/): Learn five smart steps to rebuild your divorced retirement after 50, protect your assets, and get your financial plan back on track.
- [Stop Overpaying the IRS: 3 Tax Free Retirement Account Strategies](https://www.bonfirefinancial.com/tax-free-retirement-account/): Discover three tax-free retirement account strategies that could help you reduce taxes and keep more of your savings.
- [Understanding Bitcoin Part 2: How to Own It, Protect It, and Pass It Down](https://www.bonfirefinancial.com/understanding-bitcoin/): Understanding Bitcoin means knowing how to own, protect, and pass it down. Learn about self-custody, security, and long-term planning.
- [Should I Buy Bitcoin? Part 1: What Cautious Investor Should Know](https://www.bonfirefinancial.com/should-i-buy-bitcoin/): Should I buy Bitcoin? Before you decide, learn the risks, mistakes, and planning questions every cautious investor should understand.
- [What Happens When You Retire? 5 Things That Disappear When You Stop Working](https://www.bonfirefinancial.com/what-happens-when-you-retire/): What happens when you retire? Retirement can change more than your paycheck. Discover 5 things that change.
- [Retirement Investing Strategy: How $100K Can Grow Into $2 Million](https://www.bonfirefinancial.com/retirement-investing-strategy/): Grow $100K into $2M with a retirement investing strategy built on compounding, consistency, low fees, and tax flexibility.
- [How Much Should You Have in Your 401(k) by Age?](https://www.bonfirefinancial.com/how-much-should-you-have-in-your-401k-by-age/): How much should you have in your 401(k) by age? Learn key savings targets and why taxes, fees, and account mix matter.
- [8 Retirement Assets Wealthy Retirees Avoid](https://www.bonfirefinancial.com/retirement-assets/): Some retirement assets look smart, but quietly drain wealth for years. Discover the 8 retirement assets wealthy retirees often avoid.
- [Why a Pension Changes Everything in Retirement](https://www.bonfirefinancial.com/pension-retirement/): Learn how pension retirement planning changes investing, income needs, and the key decisions that can impact your long-term retirement.
- [The Retirement Tax Strategies Most People Miss](https://www.bonfirefinancial.com/retirement-tax-strategies/): Learn retirement tax strategies to help reduce taxes, avoid Medicare surcharges, and create more tax-efficient retirement income.
- [How to Increase Your Social Security Benefits (Before It’s Too Late)](https://www.bonfirefinancial.com/how-to-increase-your-social-security-benefits/): Learn how to increase your Social Security benefits and avoid costly mistakes that could reduce your income in retirement.
- [What to Sell Before Retirement: 5 Things Most People Miss](https://www.bonfirefinancial.com/before-retirement/): What should you sell before retirement? Discover 5 overlooked things that could make or break your retirement lifestyle.
- [Should You Pay Off Your Mortgage or Invest? (What Actually Makes Sense)](https://www.bonfirefinancial.com/pay-off-mortgage-or-invest/): Should you pay off your mortgage or invest? Learn how interest rates, risk, and your financial goals impact the right decision.
- [Common Investing Mistakes (And How to Fix Them)](https://www.bonfirefinancial.com/common-investing-mistakes/): Most high earners make common investing mistakes that hold them back. Learn what they are and how to fix them.
- [How to Invest in 2026 Without Guessing or Taking Unnecessary Risks](https://www.bonfirefinancial.com/how-to-invest-in-2026/): How to invest in 2026 without guessing. Refine your strategy, avoid costly mistakes, and build real momentum.
- [Retiring Soon? It’s Time to Revisit Your Portfolio](https://www.bonfirefinancial.com/retiring-soon/): If you’re retiring soon, your portfolio needs to change. Learn how risk, income, and strategy shift as retirement begins.
- [RMD Questions Answered - Timing, Taxes, and Inheritance](https://www.bonfirefinancial.com/rmd/): Confused about RMDs? Learn when required minimum distributions start, how they are taxed, and what happens when your IRA is inherited.
- [Automate Your Wealth: 2026 Contribution Limits Explained](https://www.bonfirefinancial.com/2026-contribution-limits/): Learn the 2026 contribution limits for 401(k)s, IRAs, Roth accounts, and HSAs, plus how to automate your savings for long-term wealth growth.
- [Jump Start Your Year: New Year Financial Tips for Smarter, More Intentional Planning](https://www.bonfirefinancial.com/new-year-financial-tips/): Start the year strong with practical financial tips to simplify your plan, optimize your money, and avoid the year-end scramble.
- [Tax-Efficient Investing: How to Lower Your Tax Bill Without Sacrificing Growth](https://www.bonfirefinancial.com/tax-efficient-investing/): No one wants to overpay in taxes. Learn how tax-efficient investing strategies can help you keep more of what you earn.
- [Am I Ready to Retire? Risk, Returns, and Real Answers](https://www.bonfirefinancial.com/am-i-ready-to-retire/): Am I ready to retire? Learn how to evaluate your retirement readiness, manage risk, and set realistic expectations for investment returns.
- [What to do with an Inherited IRA (And the Mistakes to Avoid)](https://www.bonfirefinancial.com/inherited-ira/): Learn what to do when you inherit an IRA, how the 10-year rule works, and the common mistakes that can lead to unnecessary taxes.
- [Year End Planning - The Two Minute Drill for Your Financial Life](https://www.bonfirefinancial.com/year-end-planning-the-two-minute-drill-for-your-financial-life/): Make the most of Year End Planning with smart tax moves, retirement strategies, and savings tips you need before December 31.
- [Your Biggest Retirement Questions Answered: Client Q&A](https://www.bonfirefinancial.com/retirement-questions/): Straight forward answers to the most common retirement questions so you can plan with confidence and avoid costly surprises.
- [What Does Fee Only Really Mean](https://www.bonfirefinancial.com/fee-only/): Unlock the truth behind fee only advice and find out how to make sure your financial advisor is truly working for you and not a commission.
- [The End of the Penny and What It Means for The Future of Money](https://www.bonfirefinancial.com/future-of-money/): Learn what this small change says about the Future of Money. A clear look at inflation, digital payments, and the next era of currency.
- [Should I Pay Off My Mortgage Before Retirement](https://www.bonfirefinancial.com/should-i-pay-off-my-mortgage-before-retirement/): Should you pay off your mortgage before retirement? Learn when it makes sense and how it fits into your overall retirement plan.
- [High Income to High Net Worth: The Smart Way to Build Wealth That Lasts](https://www.bonfirefinancial.com/high-income-to-high-net-worth/): Making money is one thing. Keeping it, and growing it, is another. Discover habits that turn high income into high net worth over time.
- [Charitable Giving Strategies to Maximize Your Tax Deductions](https://www.bonfirefinancial.com/charitable-giving-strategies/): Learn how to give smarter and keep more. Discover powerful charitable giving strategies to lower your tax bill and make a bigger impact.
- [Qualified vs. Non Qualified Accounts: What It Really Means for Your Money](https://www.bonfirefinancial.com/qualified-vs-non-qualified-accounts/): Discover how qualified vs. non-qualified accounts can shape your investment approach and overall financial health.
- [Maxed Out Your 401k? Here’s What to Do Next](https://www.bonfirefinancial.com/maxed-out-401k/): Maxed out your 401k? Learn where to invest next, from Roth options to real estate and crypto, to keep building wealth.
- [What to Do with an Old (or Forgotten) 401k](https://www.bonfirefinancial.com/old-401k/): Got an old 401k with a past employer? Learn how to track it down, explore rollover options, and make the most of your retirement savings.
- [The Best Age to Retire? It’s Not What You Think](https://www.bonfirefinancial.com/best-age-to-retire/): Retirement is one of the most talked-about financial milestones, yet it’s also one of the most misunderstood. People often ask financial advisors, “What’s the best age to retire?” hoping for a magic number that unlocks the perfect blend of security and freedom. But here’s the truth: there is no universal age that works for everyone. […]
- [The Cash Balance Plan Advantage: Maximize Savings, Minimize Taxes](https://www.bonfirefinancial.com/cash-balance-plan/): Want to save $100K+ a year for retirement? Learn how a Cash Balance Plan helps high earners slash taxes and build wealth faster.
- [Retirement Planning Mistakes: Don’t Forget These Hidden Costs!](https://www.bonfirefinancial.com/retirement-planning-mistakes/): Think you’ve covered all your bases for retirement? Think again. Beware of these top retirement planning mistakes.
- [How Portfolio Rebalancing Can Help You Stay on Track for Retirement](https://www.bonfirefinancial.com/rebalancing/): Market shifts can throw your portfolio off balance. Discover how rebalancing realigns investments and protects your retirement goals.
- [Wills and Trusts: What You Need to Know to Pass On Your Wealth Wisely](https://www.bonfirefinancial.com/wills-and-trusts/): Discover when a will is enough and when a trust makes sense. Protect your wealth, preserve privacy, and pass on your legacy with confidence.
- [ETFs vs. Mutual Funds: What’s the Real Difference?](https://www.bonfirefinancial.com/etfs-vs-mutual-funds/): ETFs vs. Mutual Funds explained: Understand how they work and which option is best for you and your portfolio.
- [HSA Benefits: How to Use Your Health Savings Account for Maximum Impact](https://www.bonfirefinancial.com/hsa-benefits/): Unlock powerful HSA benefits. From tax-free savings to early retirement strategies, see how to maximize your Health Savings Account.
- [Required Minimum Distributions: RMDs Explained](https://www.bonfirefinancial.com/required-minimum-distributions/): Required Minimum Distributions can cost you thousands, learn how to cut taxes and keep more of your retirement income.
- [Old Policies, New Problems: When to Rethink and Review Your Insurance](https://www.bonfirefinancial.com/insurance-review/): Learn why a quick insurance review could save you thousands, boost your coverage, and bring your protection strategy into the present.
- [Breaking Down the Big Beautiful Bill: Tax Cuts and Opportunities](https://www.bonfirefinancial.com/big-beautiful-bill-tax-cuts/): Explore how the Big Beautiful Bill tax cuts can benefit your retirement with smart planning strategies and timely tax moves.
- [FOMO and Investing: Why Emotions Sabotage Your Strategy](https://www.bonfirefinancial.com/fomo-investing/): Learn how to spot FOMO-driven investing decisions, avoid buying at the top, and stick to a strategy that actually builds wealth.
- [Self-Employed Retirement Planning: How to Maximize Tax Savings and Wealth](https://www.bonfirefinancial.com/self-employed-retirement-planning/): Self-employed retirement planning tips for business owners: lower taxes now and build long-term wealth with SEP IRAs and Solo 401(k)s.
- [What to Do After Maxing Out Your 401k](https://www.bonfirefinancial.com/maxing-out-401k/): Wondering what to do after maxing out your 401k? Learn smart strategies for investing for retirement and building long-term wealth.
- [Investing in CDs: A Low-Risk Strategy You’re Probably Overlooking](https://www.bonfirefinancial.com/investing-in-cds/): Learn how investing in CDs works and how to use strategies like laddering to grow your money with less risk.
- [The Difference Between Permanent Life Insurance and Term Life Insurance (and Why It Matters)](https://www.bonfirefinancial.com/permanent-vs-term-life-insurance/): Confused about life insurance? We break down the key differences between term and permanent life insurance so you can make the right choice.
- [Your Medicare Choice Might Be Permanent - Here’s What to Know (with Medicare Specialist Andrew Mersereau)](https://www.bonfirefinancial.com/medicare-choice/): Medicare specialist Andrew Mersereau explains why your initial Medicare choice could be permanent, and how to avoid costly mistakes.
- [Making It Count: How to Balance Living for Today and Saving for Tomorrow](https://www.bonfirefinancial.com/living-for-today/): Living for today doesn’t have to mean neglecting tomorrow. Find out how to enjoy life now while building lasting financial security.
- [How to Maximize Your Social Security Benefits & Why It Still Matters, Even If You're Wealthy](https://www.bonfirefinancial.com/maximize-your-social-security-benefits/): Think Social Security doesn’t matter if you're wealthy? Discover why it does, and how to maximize your benefits for impact, income & legacy.
- [Roth Conversion Strategies: Build Wealth for Your Family, Not the IRS](https://www.bonfirefinancial.com/roth-conversion-strategies/): Discover Roth conversion strategies that lower taxes, support estate planning, and help you pass on more to your family, not the government.
- [What Is a Fiduciary Financial Advisor? And how a free lunch could cost you.](https://www.bonfirefinancial.com/fiduciary-financial-advisor/): Is your financial advisor putting you or their paycheck first? Learn what a fiduciary financial advisor is & how a free lunch could cost you.
- [Asymmetric Risk: How to Invest Wisely, Even If You’re Wrong Most of the Time](https://www.bonfirefinancial.com/asymmetric-risk/): Learn how to use asymmetric risk to grow wealth, limit losses, and succeed even if most of your investments don’t work out.
- [Mutual Funds Explained: Because No One Ever Actually Reads the Fine Print](https://www.bonfirefinancial.com/mutual-funds-explained/): Mutual funds explained. Learn how they work, the difference between mutual funds and ETFs, and common misconceptions to avoid.
- [Donor Advised Funds: A Smarter Way to Give (and Save on Taxes)](https://www.bonfirefinancial.com/donor-advised-funds/): Learn how donor advised funds help you lower taxes, grow your charitable giving, and build a lasting legacy with flexibility and strategy.
- [Investing in Private Equity as a Business Owner](https://www.bonfirefinancial.com/investing-in-private-equity/): Discover how investing in private equity can be a strategic option for business owners looking to grow and diversify their wealth.
- [How Diversification Can Save You From a Retirement Meltdown](https://www.bonfirefinancial.com/diversification/): Boring? Maybe. Essential for retirement? Absolutely. Here’s why diversification still matters most and how you can prepare for retirement.
- [Why the Dollar-Cost Averaging Investment Strategy Wins in Down Markets](https://www.bonfirefinancial.com/dollar-cost-averaging-in-down-markets/): Learn how Dollar-Cost Averaging in down markets helps you invest smarter and build long-term wealth through market volatility.
- [The Hidden Risks, and Realities, of Insurance for High-Net-Worth Individuals](https://www.bonfirefinancial.com/the-hidden-risks-and-realities-of-insurance-for-high-net-worth-individuals/): Explore key gaps in insurance for high net worth individuals and how to better protect your assets and lifestyle.
- [Roth Conversion: Turning Market Lows Into Tax-Free Growth](https://www.bonfirefinancial.com/roth-conversion/): Learn how a Roth conversion during a market downturn can lower your tax burden and maximize tax-free growth for retirement
- [Physician Retirement Strategies: Making Early Retirement a Reality](https://www.bonfirefinancial.com/physician-retirement/): Can physicians truly retire early, or is it just a dream? Explore the hidden challenges of physician retirement
- [Selling Your Business? Valuation, M&A, and Exit Strategies with Chris Blees, CPA/ABV, CM&AA](https://www.bonfirefinancial.com/selling-your-business/): Selling your business? Learn M&A strategies, valuations, and exit planning tips from expert Chris Blees, CPA.
- [High Net Worth Financial Planning - What You Need to Know](https://www.bonfirefinancial.com/high-net-worth-financial-planning/): Learn how high net worth individuals can optimize investments, minimize taxes, and stay on track with financial planning.
- [Turning High Income into Lasting Wealth: Proven Strategies for High Earners](https://www.bonfirefinancial.com/strategies-for-high-earners/): Discover proven strategies for high earners to grow wealth, avoid financial pitfalls, and make the most of your income
- [Roses Are Red, Violets Are Blue… Are Your Beneficiaries Still Right for You?](https://www.bonfirefinancial.com/beneficiaries/): Nothing says “I love you” like making sure your beneficiaries are up-to-date! Learn why reviewing & updating is so important.
- [Tariffs Explained: How They Impact Your Wallet and Investments](https://www.bonfirefinancial.com/tariffs-explained/): Tariffs Explained: Learn how tariffs affect prices, markets, and your financial future, plus strategies to stay ahead.
- [Healthcare in Retirement: What You Need to Know to Plan Ahead](https://www.bonfirefinancial.com/healthcare-in-retirement/): Learn how to plan for healthcare in retirement to preserve wealth, optimize Medicare, and ensure top-tier medical care.
- [The Future is Now: Investing in AI for Growth and Innovation](https://www.bonfirefinancial.com/investing-in-ai/): Unlock growth with investing in AI: key insights, strategies, and opportunities to stay ahead in this transformative market.
- [Beyond Tax Prep: Elevating Your Wealth Through Strategic Tax Planning with Max Pollack, CPA](https://www.bonfirefinancial.com/strategic-tax-planning/): Join special guest Max Pollock, CPA, as we explore how strategic tax planning goes beyond preparation to grow your wealth.
- [Prosper, Protect and Pass it on– Estate Planning Tips](https://www.bonfirefinancial.com/estate-planning-tips/): Estate planning doesn’t have to be overwhelming. Learn the best tips, common mistakes to avoid, and practical steps to take.
- [New Year, New Limits: Financial Updates for 2025](https://www.bonfirefinancial.com/financial-updates-2025/): We’re kicking off 2025 by diving into the most important financial updates you need to know... from new contribution limits to new tax laws.
- [Dividend Paying Stocks: Income, Growth, and Risks Explained](https://www.bonfirefinancial.com/dividend-paying-stocks/): Unlock the secrets of dividend paying stocks to boost your income, grow your wealth, and secure your retirement!
- [Should I Buy an Annuity? Pros, Cons, and Everything In Between](https://www.bonfirefinancial.com/should-i-buy-an-annuity/): Wondering if you should buy an annuity? Discover the pros, cons, and everything you need to know in this comprehensive guide.
- [Navigating the Mental Shift into Retirement](https://www.bonfirefinancial.com/shift-into-retirement/): Discover how to shift into retirement by overcoming mental blocks, and maintaining financial flexibility for a confident retirement.
- [Zoom Out: Optimizing Retirement Accounts](https://www.bonfirefinancial.com/optimizing-retirement-accounts/): Learn effective tax strategies for optimizing retirement accounts to maximize growth, minimize taxes, and streamline your financial planning
- [5-10 Years to Go: Retirement Reality Check -Are You Really Ready?](https://www.bonfirefinancial.com/5-10-years-retirement/): Explore essential income planning and investment strategies to confidently prepare for retirement in the next 5-10 years
- [What Now? Strategies for Unused 529 Plan Funds](https://www.bonfirefinancial.com/unused-529-plan-funds/): Discover strategies for unused 529 plan funds, from beneficiary transfers to Roth IRA rollovers, maximizing value for your family’s future
- [Are You Making These 3 Common Retirement Mistakes?](https://www.bonfirefinancial.com/retirement-mistakes/): Discover the three most common retirement planning mistakes pre-retirees make and learn how to avoid them.
- [401k Do's and Don'ts: Smart Strategies as You Near Retirement](https://www.bonfirefinancial.com/401k-retirement/): Discover essential 401k retirement do's and don'ts to secure your future with smart strategies as you approach retirement
- [The Art of Asset Allocation](https://www.bonfirefinancial.com/asset-allocation/): Discover the art of asset allocation: how a balanced, personalized investment strategy can help you manage risk and achieve your goals.
- [Why the FIRE Movement is BS](https://www.bonfirefinancial.com/fire-movement/): Discover why the FIRE Movement extreme frugality isn't the path to true financial freedom and learn how to achieve a balanced approach.
- [Mastering Monthly Expenses in Retirement](https://www.bonfirefinancial.com/expenses-in-retirement/): Learn how focusing on monthly expenses in retirement can make your transition into retirement smoother, more predictable, and stress-free.
- [Rethinking Home Equity in Your Retirement Strategy](https://www.bonfirefinancial.com/home-equity-retirement/): Discover why home equity should be a part of your retirement plan, but not the plan. Explore smarter strategies for retirement today.
- [How I Invest: A look inside a CFPs Portfolio](https://www.bonfirefinancial.com/cfp-portfolio/): Have you ever wondered what's inside your CFPs portfolio? Are they recommending the same investment to you that they invest in?
- [Retirement Planning for Self-Employed Business Owners and 1099 Employees](https://www.bonfirefinancial.com/retirement-planning-for-self-employed/): Are you a self-employed business owner or 1099 employee? We are breaking down the best retirement planning strategies for you!
- [Understanding the SWAPA Market-Based Cash Balance Plan](https://www.bonfirefinancial.com/swapa-cash-balance-plan/): Explore how the SWAPA Cash Balance Plan enhances Southwest pilots' retirement savings by optimizing contributions and minimizing taxes.
- [The Power of Dollar Cost Averaging: A Timeless Investment Strategy](https://www.bonfirefinancial.com/dollar-cost-averaging/): Learn how Dollar Cost Averaging works, why it's a common approach within 401k plans, and how it can benefit your overall investment strategy.
- [Understanding the Yield Curve: Trends and Implications](https://www.bonfirefinancial.com/yield-curve/): What is the Yield Curve? Today we are looking into the yield curve, why it matters, and its critical role in your financial plan.
- [Hamilton’s Legacy: Modern Insights into U.S. Treasuries](https://www.bonfirefinancial.com/treasuries/): Uncover the lasting impact of Alexander Hamilton's creation of U.S. Treasuries and their modern relevance in today's financial markets.
- [Cash Clarity: Navigating Money Markets](https://www.bonfirefinancial.com/money-markets/): Money markets, accounts vs funds... get clarity on how to make the best cash management decisions for your goals.
- [Certificates of Deposit: An Old-School Investment Making a Modern Comeback](https://www.bonfirefinancial.com/certificates-of-deposit/): Discover why Certificates of Deposit are making a strong comeback in today's high interest rate environment.
- [Financial Planning for Pilots with Nick Coleman, CFP®](https://www.bonfirefinancial.com/financial-planning-for-pilots/): Join Nick Coleman, CFP® as he discusses unique financial planning challenges and retirement planning strategies for pilots.
- [How Presidential Elections Affect the Stock Market: Insights and Historical Trends](https://www.bonfirefinancial.com/elections-stock-market/): Learn how presidential elections impact the stock market with historical insights to help you make informed investment decisions.
- [Real Estate Investing: Fees, Cash Flow, and Risks](https://www.bonfirefinancial.com/real-estate-investing/): Insights into real estate investing fees, cash flow, appreciation, REITs, direct investments, and LPs, to help you make informed investments.
- [Collectibles as an Investment: Where Fun Meets Finance](https://www.bonfirefinancial.com/collectibles/): Discover how passion and knowledge can turn your hobbies into valuable assets as we explore collectibles as an investment.
- [Alternative Investments: Beyond Stocks and Bonds](https://www.bonfirefinancial.com/alternative-investments/): Learn how adding alternative investments like real estate, commodities, and collectibles can diversify and strengthen your portfolio.
- [The Health Savings Account: Navigating Healthcare Costs](https://www.bonfirefinancial.com/health-savings-account/): A Health Savings Account (HSA) is a powerful tool that can change how you manage and mitigate healthcare costs both now and in retirement.
- [Backdoor Roth: From Tax Burden to Tax-Free Growth](https://www.bonfirefinancial.com/backdoor-roth/): Unravel the mystery of the Backdoor Roth IRA and learn actionable insights for maximizing tax-efficient wealth.
- [Streamlining Retirement: Insights into Retirement Account Consolidation](https://www.bonfirefinancial.com/retirement-account-consolidation/): Are you wondering what to do with multiple 401k accounts? Is retirement account consolidation right for you? Today we are diving into it!
- [The Power of Catch-Up Contributions](https://www.bonfirefinancial.com/catch-up-contributions/): An often overlooked benefit of aging is Catch-Up Contributions. Explores how getting older opens doors to increased contributions!
- [When can I retire? Navigating Retirement](https://www.bonfirefinancial.com/when-can-i-retire/): Are you contemplating retirement? Are you wondering when you can retire? Get insights for navigating the financial and psychological aspects.
- [Taxes in Retirement: Planning Ahead](https://www.bonfirefinancial.com/taxes-in-retirement/): Strategies for managing taxes in retirement. Learn how to minimize your tax bill, understand the impact on Social Security benefits, and more
- [401k Contributions for Pilots](https://www.bonfirefinancial.com/401k-pilots/): 401k for Pilots: Retirement planning strategies for United Airlines pilots, optimize your 401k and Market-Based Cash Balance Plan
- [The What, Why and How of a Financial Plan](https://www.bonfirefinancial.com/what-why-how-financial-plan/): The ultimate life hack... discovery why having a financial plan is not just a strategy; it's a necessity for your financial future.
- [United Pilot Plan Updates: Cash Balance Plan](https://www.bonfirefinancial.com/united-pilot-cash-balance-plan/): Learn about all the United Pilot benefit plan updates including the new Market Based Cash Balance Plan
- [Navigating Taxes with Henry Ip, CPA](https://www.bonfirefinancial.com/navigating-taxes/): This isn't your typical tax talk. Listen on the Podcast for practical insights and tips for navigating the often confusing terrain of taxes.
- [Navigating Retirement Contributions: Demystifying 401(a) and 415(c) Limits](https://www.bonfirefinancial.com/401a-and-415c-limits/): Retirement planning isn't just about saving; it's about mastering the rules of the game. Learn about how 401(a) and 415(c) limits!
- [Colorado Secure Savings Mandate - What you need to know](https://www.bonfirefinancial.com/colorado-secure-savings/): Colorado Secure Savings is rolling out - Here is what you need to know to be in compliance with the Colorado Retirement Plan mandate.
- [10 Mistakes to avoid with your Roth IRA](https://www.bonfirefinancial.com/roth-ira/): A Roth IRA is a great option to save for retirement, however, there are a handful of common mistakes people make. Here's how to avoid them.
- [10 ACTIONABLE WAYS TO CUT TAXES NOW AND IN THE FUTURE](https://www.bonfirefinancial.com/ways-to-cut-your-taxes/): If you just cut a big check to the IRS, you may be wondering how you can prepare now to cut your taxes next April. We’ve got you covered.
- [6 important things to do when turning 65 - A Retirement Checklist](https://www.bonfirefinancial.com/turning-65/): Turning 65 is a major milestone and pivotal age for your retirement planning. Not only is this an important age for government programs like
- [RETIREMENT VS. INFLATION](https://www.bonfirefinancial.com/retirement-and-inflation/): It's the ultimate battle of good vs evil. Retirement vs. Inflation.  Inflation is the enemy of your retirement- here is how to beat it.
- [HOW TO PREPARE FOR BIDEN’S NEW TAX LAWS](https://www.bonfirefinancial.com/how-to-prepare-for-bidens-new-tax-laws/): Want to know how you can prepare for Biden’s new tax laws? Curious how these new tax laws will affect you? Read on to learn more...
- [SMALL CHANGES, BIG DIFFERENCES IN YOUR RETIREMENT PLAN](https://www.bonfirefinancial.com/small-changes-big-differences-in-your-retirement-plan/): Small Changes can make Big Differences in your Retirement Plan- harness the Power of 1% to improve your retirement savings!
- [CREDIT CARD REWARDS](https://www.bonfirefinancial.com/credit-card-rewards/): Let’s talk about credit card rewards...how to maximize them, which ones to get, hidden benefits and more! May the points and miles roll in!
- [UNITED AIRLINE LAYOFFS – WHAT TO DO IF YOU ARE LAID OFF](https://www.bonfirefinancial.com/united-airlines-layoffs/): If you have been effected by the United Airline Layoffs this guide will help you navigate your options and set a course of action.
- [United Employee Benefits: How to Leverage Your RHA for Tax-Free Growth](https://www.bonfirefinancial.com/united-airlines-employee-benefits-rha/): United Employee Benefits include more than just a 401(k) plan or free flights. The RHA gets you more money without more taxes
- [WHY YOU NEED TITLING, NOT JUST A WILL](https://www.bonfirefinancial.com/titling-and-wills/): A will is necessary for all of your property, but there is more to it. Here's what you need to know about titling, wills and trusts.
- [ROTH 401K OR TRADITIONAL 401K](https://www.bonfirefinancial.com/roth-401k-or-traditional-401k/): Roth 401(k) or Traditional 401k? Which one is best for you, what you should you contribute to and the way you can have best of both worlds.
- [Money Savings Secrets: Amazon Prime](https://www.bonfirefinancial.com/money-savings-secrets-amazon-prime/): While free two day shipping may be enough to sign up, Prime has a ton of other benefits. Check out these Money Savings Secrets for Amazon Prime.
- [3 QUESTIONS TO ASK BEFORE MAKING ANY FINANCIAL DECISION](https://www.bonfirefinancial.com/3-questions-to-ask-before-making-any-financial-decision-2/): Whether hiring a financial advisor, picking a mutual fund, or refinancing your mortgage, here are 3 questions to ask before making any financial decision
- [10 Books for a Better Money Mindset](https://www.bonfirefinancial.com/books-for-a-better-money-mindset/): The list of personal finance books is pretty extensive. This is not that list. This is a list is books for a better money mindset.
- [Is Insurance an Investment?](https://www.bonfirefinancial.com/insurance-is-not-an-investment/): Is Insurance an Investment? Here is what you need to know, plus find out about how you can get greatest amount of coverage for the least amount of money.
- [4 Reasons to Hire a CFP ®](https://www.bonfirefinancial.com/4-reasons-to-hire-a-cfp/): 4 Reasons to Hire a CFP - At Bonfire Financial we have a team of CERTIFIED FINANCIAL PLANNERS however we often get asked what is a CFP ®
- [Differences Between an IRA and 401k](https://www.bonfirefinancial.com/differences-between-an-ira-and-401k/): Difference Between an IRA and 401k - Which one is best for you? While these two are similar there are some differences that make each unique.
- [Why Bonfire Financial?](https://www.bonfirefinancial.com/why-bonfire-financial/): Why Bonfire Financial? A bonfire is a fire of celebration. Bonfire Financial is a independent registered investment advisory firm and CFP ®
- [How do Financial Advisors Get Paid?](https://www.bonfirefinancial.com/how-financial-advisors-get-paid/): How financial advisors get paid - There are 3 different types of advisors and it’s important to know that each type gets paid differently.

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