Retirement Planning Services in Colorado Springs, CO

Retirement planning isn’t about age—it’s about readiness. Whether you're a physical therapist near Garden of the Gods, a small business owner in Briargate, or a couple planning a cabin escape near Woodland Park, Straight Talk CPAs helps Colorado Springs residents turn vague retirement hopes into strategic, actionable plans.



With a blend of modern forecasting tools and grounded financial guidance, you’ll gain a clear, step-by-step path toward the retirement you actually want.

Plan Your Next Chapter with Clarity

Tools That Support Real-Life Plans

We combine strategy with simplicity. When you work with us, you’ll get access to:

  • Forecasting dashboards tailored to your goals
  • Visual retirement timelines
  • Secure document storage and income modeling
  • Updates as your life or income changes


It’s not just about knowing the numbers—it’s about building confidence in what those numbers mean.

Our clients come to us with all kinds of questions:

  • “Can I retire early and still afford healthcare?”
  • “Should I take Social Security at 62 or wait?”
  • “Do I need both a SEP IRA and a Roth IRA?”
  • “How do I know if my business exit will fund my retirement?”


We walk you through each decision—clearly and without jargon—so you understand why every move matters.

It’s Not Too Early—Or Too Late

Case Study: From Guesswork to Game Plan

Martha, a 59-year-old speech therapist in Colorado Springs, had been contributing $1,000/month to a 401(k) but wasn’t sure how far it would get her—or when she could safely scale back work.



We helped her:

  • Consolidate two old 401(k)s and a Roth IRA into one strategy
  • Create a projection model that included Medicare and private insurance timelines
  • Adjust her savings cadence to match her new part-time schedule
  • Reduce her projected tax burden in retirement by $3,800/year through rebalancing

Now, Martha is on track to retire at 64 instead of 68—and she’s already started volunteering at the local animal sanctuary with her extra time.

“For the first time, my retirement plan feels real—not just a spreadsheet.”

Explore Our All Services in Colorado Springs, CO

List of Services

Retirement Planning That Goes Beyond Saving

A solid nest egg is important—but a great retirement plan also accounts for:

  • When and how to claim Social Security
  • Smart withdrawal strategies to minimize taxes
  • Healthcare and long-term care budgeting
  • What happens if plans change or markets dip
  • Transition planning if you own a business

At Straight Talk CPAs, we integrate tax strategy and personal financial planning to ensure your retirement isn’t just possible—it’s protected.

FAQs

  • When should I start planning for retirement?

    Sooner is always better—but we help clients in their 30s, 50s, and even early 60s find a plan that fits.

  • What if I own a business?

    We specialize in helping business owners align retirement with exit planning, including SEP IRAs and structured buyouts.

  • Can you help me figure out when to take Social Security?

    Yes. We offer personalized models that weigh claiming ages against income needs, longevity estimates, and tax impacts.

  • Is the process virtual?

    Entirely. You can meet with us online, review models in your client portal, and securely upload all documents.

  • What makes your retirement planning different?

    We integrate CPA-level tax strategy from the start—helping you build an efficient retirement income, not just a savings total.