Higher Desire, LLC: Pueblo and La Junta

06/04/2026

04/08/2026

Yes

02/16/2026

Debt can and will kill your dreams and make your life less than it can be. It is never easy to change the way we look at debt when it causes us pain. There are solutions you can take and this is one you should look at. There is no cost but the time you invest.
yourdebtfreedream.com

02/11/2026

02/09/2026

Life Insurance is not as expensive as you think. Call 719-980-0595

02/25/2024

Tom Hegna

In a recent whitepaper by Dr. Wade Pfau titled, "The Four Approaches to Managing Retirement Income Risk," he explores mitigating the key retirement risk sequence-of-returns risk. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3501673
Pfau writes:
Sequence-of-returns risk is a fascinating concept in that minor tweaks to spending can have major implications for . When understood in this context, financial tools and strategies that are not always viewed positively by investments-focused advisors and their clients, can create net positives for the financial plan to support spending, liquidity, and legacy. Examples of such tools and strategies include delaying Social Security, using with lifetime spending protections, employing a rising equity glidepath in retirement, using a time segmentation or bucketing strategy, and creating a “buffer asset” with a reverse mortgage or whole life insurance.
Pfau's whitepaper outlines four strategies:
1. Spend Conservatively
2. Spending Flexibility
3. Reduce Volatility (When It Matters Most)
4. Buffer Assets—Avoid Selling at Losses

Sequence-of-returns risk amplifies the impacts of investment volatility when taking distributions from a volatile investment portfolio in retirement. There are