DSquared Financial Group, PBC
DSquared Financial Group, PBC
Opening hours
- Sunday
- 7 AM - 10 PM
- Monday
- 7 AM - 10 PM
- Tuesday
- 7 AM - 10 PM
- Wednesday
- 7 AM - 10 PM
- Thursday
- 7 AM - 10 PM
- Friday
- 7 AM - 10 PM
- Saturday
- 7 AM - 10 PM
Venture X Denver Lodo, 3rd floor/1800 Wazee Street, Ballpark District
Denver, Colorado 80202
Denver, Colorado 80202
Our Booking PolicyPlease let us know in advance of any changes in meeting times.
Please let us know in advance of any changes in meeting times.
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General Meeting
A portfolio retirement plan meeting with a financial advisor is a crucial step in securing your financial future. Here's a breakdown of what you can typically expect:
Key Discussion Points:
Understanding Your Financial Situation:
The advisor will start by gathering comprehensive information about your current financial status. This includes:
Income and expenses.
Assets (savings, investments, real estate).
Liabilities (debts, mortgages).
Existing retirement accounts (401(k)s, IRAs).
Defining Retirement Goals:
A significant portion of the meeting will be dedicated to discussing your retirement aspirations. This involves:
Desired retirement age.
Expected retirement lifestyle.
Income needs in retirement.
Specific goals (travel, hobbies, etc.).
Risk Tolerance Assessment:
The advisor will assess your comfort level with investment risk. This is crucial for determining an appropriate asset allocation.
They'll discuss different investment strategies and how they align with your risk tolerance.
Portfolio Review and Analysis:
If you already have investments, the advisor will review your current portfolio to:
Evaluate its performance.
Assess its diversification.
Identify any potential weaknesses.
Retirement Income Planning:
The advisor will develop a plan for generating income during retirement. This may involve:
Social Security optimization.
Pension income.
Withdrawal strategies from retirement accounts.
Potential for other income sources.
Asset Allocation and Investment Strategy:
Based on your goals and risk tolerance, the advisor will recommend an asset allocation strategy. This involves:
Determining the appropriate mix of stocks, bonds, and other investments.
Selecting specific investments that align with your plan.
Tax Planning:
The advisor will discuss the tax implications of your retirement plan, including:
Tax-deferred vs. taxable accounts.
Strategies for minimizing taxes in retirement.
Estate Planning:
Depending on your needs, the advisor may also discuss estate planning considerations, such as:
Wills and trusts.
Beneficiary designations.
Ongoing Monitoring and Review:
The advisor will emphasize the importance of regular portfolio reviews and adjustments to ensure your plan stays on track.
They will discuss the frequency of future meetings, and how they will remain in contact.
Key things to bring to the meeting:
Financial statements.
Tax returns.
Retirement account statements.
A list of your financial goals.
By covering these areas, the meeting aims to create a comprehensive and personalized retirement plan that helps you achieve your financial goals.
Key Discussion Points:
Understanding Your Financial Situation:
The advisor will start by gathering comprehensive information about your current financial status. This includes:
Income and expenses.
Assets (savings, investments, real estate).
Liabilities (debts, mortgages).
Existing retirement accounts (401(k)s, IRAs).
Defining Retirement Goals:
A significant portion of the meeting will be dedicated to discussing your retirement aspirations. This involves:
Desired retirement age.
Expected retirement lifestyle.
Income needs in retirement.
Specific goals (travel, hobbies, etc.).
Risk Tolerance Assessment:
The advisor will assess your comfort level with investment risk. This is crucial for determining an appropriate asset allocation.
They'll discuss different investment strategies and how they align with your risk tolerance.
Portfolio Review and Analysis:
If you already have investments, the advisor will review your current portfolio to:
Evaluate its performance.
Assess its diversification.
Identify any potential weaknesses.
Retirement Income Planning:
The advisor will develop a plan for generating income during retirement. This may involve:
Social Security optimization.
Pension income.
Withdrawal strategies from retirement accounts.
Potential for other income sources.
Asset Allocation and Investment Strategy:
Based on your goals and risk tolerance, the advisor will recommend an asset allocation strategy. This involves:
Determining the appropriate mix of stocks, bonds, and other investments.
Selecting specific investments that align with your plan.
Tax Planning:
The advisor will discuss the tax implications of your retirement plan, including:
Tax-deferred vs. taxable accounts.
Strategies for minimizing taxes in retirement.
Estate Planning:
Depending on your needs, the advisor may also discuss estate planning considerations, such as:
Wills and trusts.
Beneficiary designations.
Ongoing Monitoring and Review:
The advisor will emphasize the importance of regular portfolio reviews and adjustments to ensure your plan stays on track.
They will discuss the frequency of future meetings, and how they will remain in contact.
Key things to bring to the meeting:
Financial statements.
Tax returns.
Retirement account statements.
A list of your financial goals.
By covering these areas, the meeting aims to create a comprehensive and personalized retirement plan that helps you achieve your financial goals.
A conversation about whole life insurance can be quite detailed, covering various aspects of the policy. Here's a breakdown of what such a discussion might include:
Core Concepts:
Permanent Coverage:
The conversation will emphasize that whole life provides lifelong protection, as long as premiums are paid.
This distinguishes it from term life insurance, which only covers a specific period.
Cash Value Accumulation:
A key feature of whole life is its cash value component. The agent will explain how a portion of the premium contributes to this cash value, which grows over time on a tax-deferred basis.
They'll discuss how this cash value can be accessed through policy loans or withdrawals.
Fixed Premiums:
Whole life policies typically have fixed premiums, meaning the cost remains the same throughout the policy's duration.
This provides predictability and stability for budgeting.
Death Benefit:
The conversation will cover the death benefit, which is the amount paid to beneficiaries upon the insured's death.
They will discuss how the death benefit and cash value are seperate, but related.
Dividends (for Participating Policies):
If the policy is a "participating" policy from a mutual insurance company, the agent will discuss potential dividends.
They'll explain that dividends are not guaranteed but can be used to:
Increase the death benefit.
Reduce premiums.
Accumulate as cash value.
Receive as cash.
Policy Loans and Withdrawals:
The agent will explain how policyholders can borrow against the cash value or make withdrawals.
They'll also discuss the potential impact of loans and withdrawals on the death benefit and cash value.
Suitability:
The agent should discuss the suitability of whole life insurance for the individual's needs.
They'll consider factors such as:
Long-term financial goals.
Estate planning needs.
Desire for lifelong coverage.
Risk tolerance.
Cost and Comparison:
The agent should provide a clear and detailed overview of the policies cost.
They should also be prepared to compare whole life policies to other types of insurance, like term life.
Tax implications:
The tax implications of the death benefit, and cash value growth will be discussed.
Beneficiary designation:
The importance of properly designating beneficiaries will be discussed.
Questions and Answers:
The conversation should be interactive, allowing the individual to ask questions and clarify any concerns.
Common questions might include:
"How much cash value will accumulate over time?"
"What are the risks associated with policy loans?"
"How does whole life compare to other investment options?"
"What are the fees associated with this policy?"
In essence, a whole life conversation aims to provide a comprehensive understanding of this type of insurance, enabling the individual to make an informed decision.
Core Concepts:
Permanent Coverage:
The conversation will emphasize that whole life provides lifelong protection, as long as premiums are paid.
This distinguishes it from term life insurance, which only covers a specific period.
Cash Value Accumulation:
A key feature of whole life is its cash value component. The agent will explain how a portion of the premium contributes to this cash value, which grows over time on a tax-deferred basis.
They'll discuss how this cash value can be accessed through policy loans or withdrawals.
Fixed Premiums:
Whole life policies typically have fixed premiums, meaning the cost remains the same throughout the policy's duration.
This provides predictability and stability for budgeting.
Death Benefit:
The conversation will cover the death benefit, which is the amount paid to beneficiaries upon the insured's death.
They will discuss how the death benefit and cash value are seperate, but related.
Dividends (for Participating Policies):
If the policy is a "participating" policy from a mutual insurance company, the agent will discuss potential dividends.
They'll explain that dividends are not guaranteed but can be used to:
Increase the death benefit.
Reduce premiums.
Accumulate as cash value.
Receive as cash.
Policy Loans and Withdrawals:
The agent will explain how policyholders can borrow against the cash value or make withdrawals.
They'll also discuss the potential impact of loans and withdrawals on the death benefit and cash value.
Suitability:
The agent should discuss the suitability of whole life insurance for the individual's needs.
They'll consider factors such as:
Long-term financial goals.
Estate planning needs.
Desire for lifelong coverage.
Risk tolerance.
Cost and Comparison:
The agent should provide a clear and detailed overview of the policies cost.
They should also be prepared to compare whole life policies to other types of insurance, like term life.
Tax implications:
The tax implications of the death benefit, and cash value growth will be discussed.
Beneficiary designation:
The importance of properly designating beneficiaries will be discussed.
Questions and Answers:
The conversation should be interactive, allowing the individual to ask questions and clarify any concerns.
Common questions might include:
"How much cash value will accumulate over time?"
"What are the risks associated with policy loans?"
"How does whole life compare to other investment options?"
"What are the fees associated with this policy?"
In essence, a whole life conversation aims to provide a comprehensive understanding of this type of insurance, enabling the individual to make an informed decision.
A conversation about term life insurance focuses on its temporary nature and affordability. Here's what such a discussion typically entails:
Core Concepts:
Temporary Coverage:
The agent will emphasize that term life insurance provides coverage for a specific period, or "term," such as 10, 20, or 30 years.
This contrasts with whole life insurance, which offers lifelong protection.
Death Benefit:
The primary purpose of term life is to provide a death benefit to beneficiaries if the insured dies during the term.
The conversation will cover how the death benefit is paid out and how beneficiaries can use it.
Fixed Premiums (During the Term):
Term life policies typically have fixed premiums for the duration of the chosen term.
The agent will explain how premiums are determined based on factors like age, health, and coverage amount.
Renewability and Convertibility:
Some term policies offer renewability, allowing the insured to extend coverage beyond the initial term, though premiums usually increase significantly.
Many term policies also offer convertibility, enabling the insured to convert the policy to a permanent life insurance policy, like whole life, without evidence of insurability.
Affordability:
A key selling point of term life is its affordability compared to permanent life insurance.
The agent will highlight how term life can provide substantial coverage at a relatively low cost, especially for younger, healthier individuals.
Suitability:
The agent will discuss the suitability of term life for specific needs, such as:
Providing income replacement for dependents.
Covering a mortgage or other debts.
Funding children's education.
Addressing temporary financial obligations.
Term Length:
A large part of the conversation will be about deciding the correct term length.
An agent should help the client determine how long their dependents will need financial protection.
Cost and Comparison:
The agent should provide quotes for various term lengths and coverage amounts.
They should also be prepared to compare term life to other insurance options, explaining the trade-offs.
Health and Underwriting:
The agent should explain the underwriting process, and how the clients health will impact the cost of the policy.
They should also explain what medical information will be needed.
Beneficiary designation:
The importance of properly designating beneficiaries will be discussed.
Questions and Answers:
The conversation should encourage questions and address any concerns the individual may have.
Common questions might include:
"What happens if I outlive the term?"
"How much coverage do I need?"
"What are the advantages and disadvantages of term life?"
"How does my health affect my premiums?"
In essence, a term life insurance conversation aims to provide a clear understanding of its temporary nature, affordability, and suitability for specific financial needs.
Core Concepts:
Temporary Coverage:
The agent will emphasize that term life insurance provides coverage for a specific period, or "term," such as 10, 20, or 30 years.
This contrasts with whole life insurance, which offers lifelong protection.
Death Benefit:
The primary purpose of term life is to provide a death benefit to beneficiaries if the insured dies during the term.
The conversation will cover how the death benefit is paid out and how beneficiaries can use it.
Fixed Premiums (During the Term):
Term life policies typically have fixed premiums for the duration of the chosen term.
The agent will explain how premiums are determined based on factors like age, health, and coverage amount.
Renewability and Convertibility:
Some term policies offer renewability, allowing the insured to extend coverage beyond the initial term, though premiums usually increase significantly.
Many term policies also offer convertibility, enabling the insured to convert the policy to a permanent life insurance policy, like whole life, without evidence of insurability.
Affordability:
A key selling point of term life is its affordability compared to permanent life insurance.
The agent will highlight how term life can provide substantial coverage at a relatively low cost, especially for younger, healthier individuals.
Suitability:
The agent will discuss the suitability of term life for specific needs, such as:
Providing income replacement for dependents.
Covering a mortgage or other debts.
Funding children's education.
Addressing temporary financial obligations.
Term Length:
A large part of the conversation will be about deciding the correct term length.
An agent should help the client determine how long their dependents will need financial protection.
Cost and Comparison:
The agent should provide quotes for various term lengths and coverage amounts.
They should also be prepared to compare term life to other insurance options, explaining the trade-offs.
Health and Underwriting:
The agent should explain the underwriting process, and how the clients health will impact the cost of the policy.
They should also explain what medical information will be needed.
Beneficiary designation:
The importance of properly designating beneficiaries will be discussed.
Questions and Answers:
The conversation should encourage questions and address any concerns the individual may have.
Common questions might include:
"What happens if I outlive the term?"
"How much coverage do I need?"
"What are the advantages and disadvantages of term life?"
"How does my health affect my premiums?"
In essence, a term life insurance conversation aims to provide a clear understanding of its temporary nature, affordability, and suitability for specific financial needs.
A final expense meeting typically revolves around discussing and planning for the costs associated with a person's death. Here's a breakdown of what such a meeting might entail:
**Key Focus Areas:**
* **Understanding Final Expenses:**
* The meeting will begin with a discussion of the various costs that arise after someone's passing. This includes:
* Funeral or cremation expenses.
* Burial costs (casket, plot, headstone).
* Medical bills.
* Legal and probate fees.
* Other outstanding debts.
* **Final Expense Insurance:**
* A significant portion of the meeting will likely involve exploring final expense insurance policies. These policies are specifically designed to cover these end-of-life costs.
* Discussions will include:
* Different types of policies (e.g., whole life).
* Coverage amounts.
* Premium payments.
* Eligibility requirements.
* **Planning and Prearrangements:**
* The meeting may also involve discussing pre-planning options, such as:
* Pre-need funeral arrangements with a funeral home.
* Specifying funeral preferences (e.g., type of service, music, readings).
* Documenting important information (e.g., location of important documents, contact information for loved ones).
* **Financial Considerations:**
* The agent will work with the client to determine an appropriate coverage amount based on their individual needs and budget.
* They will also discuss payment options and ensure the client understands the terms of the policy.
* **Needs Assessment:**
* The professional conducting the meeting will work to understand the clients specific needs, and concerns. This will help them to tailor the insurance or planning to the individual.
**Participants:**
* The individual planning for their final expenses.
* An insurance agent or financial advisor specializing in final expense planning.
* In some cases, family members may also be present.
**Goals of the Meeting:**
* To provide the individual with peace of mind knowing that their final expenses will be covered.
* To protect their loved ones from financial burden during a difficult time.
* To ensure that their final wishes are carried out.
* To create a plan that is financially sound.
In essence, a final expense meeting is a proactive step towards ensuring that end-of-life arrangements are handled with care and financial responsibility.
**Key Focus Areas:**
* **Understanding Final Expenses:**
* The meeting will begin with a discussion of the various costs that arise after someone's passing. This includes:
* Funeral or cremation expenses.
* Burial costs (casket, plot, headstone).
* Medical bills.
* Legal and probate fees.
* Other outstanding debts.
* **Final Expense Insurance:**
* A significant portion of the meeting will likely involve exploring final expense insurance policies. These policies are specifically designed to cover these end-of-life costs.
* Discussions will include:
* Different types of policies (e.g., whole life).
* Coverage amounts.
* Premium payments.
* Eligibility requirements.
* **Planning and Prearrangements:**
* The meeting may also involve discussing pre-planning options, such as:
* Pre-need funeral arrangements with a funeral home.
* Specifying funeral preferences (e.g., type of service, music, readings).
* Documenting important information (e.g., location of important documents, contact information for loved ones).
* **Financial Considerations:**
* The agent will work with the client to determine an appropriate coverage amount based on their individual needs and budget.
* They will also discuss payment options and ensure the client understands the terms of the policy.
* **Needs Assessment:**
* The professional conducting the meeting will work to understand the clients specific needs, and concerns. This will help them to tailor the insurance or planning to the individual.
**Participants:**
* The individual planning for their final expenses.
* An insurance agent or financial advisor specializing in final expense planning.
* In some cases, family members may also be present.
**Goals of the Meeting:**
* To provide the individual with peace of mind knowing that their final expenses will be covered.
* To protect their loved ones from financial burden during a difficult time.
* To ensure that their final wishes are carried out.
* To create a plan that is financially sound.
In essence, a final expense meeting is a proactive step towards ensuring that end-of-life arrangements are handled with care and financial responsibility.
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About
Structure & Mission: DSquared Financial Group operates as a Public Benefit Corporation (PBC) and is described as cooperatively owned and operated. Its core mission revolves around improving the quality of life for its members and the communities where they live and work. This is achieved through financial education, mentorship, and volunteer activities, with a particular focus on serving underserved communities.
Community Focus: The group dedicates 25% of its profits (generated from life insurance and financial services sales) to be invested back into the communities it serves, helping to fund financial mentorship programs.
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Opening hours
- Sunday
- 7 AM - 10 PM
- Monday
- 7 AM - 10 PM
- Tuesday
- 7 AM - 10 PM
- Wednesday
- 7 AM - 10 PM
- Thursday
- 7 AM - 10 PM
- Friday
- 7 AM - 10 PM
- Saturday
- 7 AM - 10 PM