Annie Garland, CFP - WealthClarity

Annie Garland, CFP - WealthClarity You’re in your 40s or 50s, balancing kids, careers, and concerned about your aging parents. Life’s busy, and the financial to-dos can feel overwhelming. My goal?

Financial Advisor | Helping ambitious women and couples build a strong, organized financial strategy that brings a sense of clarity, confidence, and control. | Proud Mom, Wife & Mountain Biker Retirement is on the horizon and you're interested in learning more about what you should be doing now to retire on your terms and with enough saved to enable you to live the lifestyle you desire. To make th

e path to retirement simpler and clearer. What you’ll learn:

How to get financially organized so nothing slips through the cracks. Proven ways to lower taxes before and during retirement. Strategies for investing with confidence (without analysis paralysis). How to replace money stress with clarity and the confidence to stay the course. If you’re ready to trade chaos for calm and build retirement habits that last, subscribe here. (Educational content only. Not investment, tax, or legal advice.)

06/11/2026

A new client told me his coworker said, “Roth is always best.”

The problem is this coworker is married filing jointly and he’s single with a high income.

If you’re a high‑earning single filer, your marginal rate may be much higher than your married coworker, even is his/her spouse also works.

𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗳𝗶𝗹𝗶𝗻𝗴 𝘀𝘁𝗮𝘁𝘂𝘀 = 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗯𝗿𝗮𝗰𝗸𝗲𝘁𝘀 = 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆.

06/10/2026

The best comment I heard last week came from a new client who wasn’t sure what to expect when she hired me. At the end of our first planning meeting she looked relieved and a little excited. She said:

“𝙄 𝙤𝙧𝙞𝙜𝙞𝙣𝙖𝙡𝙡𝙮 𝙙𝙞𝙙𝙣'𝙩 𝙬𝙖𝙣𝙩 𝙩𝙤 𝙨𝙥𝙚𝙣𝙙 𝙩𝙝𝙚 𝙢𝙤𝙣𝙚𝙮 𝙤𝙣 𝙩𝙝𝙞𝙨. 𝙄 𝙝𝙞𝙧𝙚𝙙 𝙖 𝙢𝙤𝙪𝙣𝙩𝙖𝙞𝙣 𝙗𝙞𝙠𝙚 𝙘𝙤𝙖𝙘𝙝 𝙡𝙖𝙨𝙩 𝙮𝙚𝙖𝙧 𝙖𝙣𝙙 𝙩𝙝𝙞𝙨 𝙞𝙨 𝙧𝙚𝙖𝙡𝙡𝙮 𝙣𝙤 𝙙𝙞𝙛𝙛𝙚𝙧𝙚𝙣𝙩. 𝙄𝙩’𝙨 𝙝𝙚𝙡𝙥𝙞𝙣𝙜 𝙢𝙚 𝙞𝙢𝙥𝙧𝙤𝙫𝙚 𝙖𝙣𝙙 𝙜𝙚𝙩 𝙗𝙚𝙩𝙩𝙚𝙧 𝙖𝙩 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙄’𝙢 𝙖𝙡𝙧𝙚𝙖𝙙𝙮 𝙙𝙤𝙞𝙣𝙜. 𝙄’𝙢 𝙨𝙤 𝙝𝙖𝙥𝙥𝙮 𝙄 𝙙𝙞𝙙 𝙩𝙝𝙞𝙨.”

Happy Anniversary to my husband, Matt. Fourteen years of marriage, two incredible daughters, one very sweet Goldendoodle...
06/02/2026

Happy Anniversary to my husband, Matt. Fourteen years of marriage, two incredible daughters, one very sweet Goldendoodle. Our adventure together keeps getting better. ❤️

Ceremony and pictures held at Matt's family's property in Virginia.

𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀!I’m opening up my 𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀 for June, July, and August. Complimentary 30‑minute, judgment‑...
05/27/2026

𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀!

I’m opening up my 𝗦𝘂𝗺𝗺𝗲𝗿 𝗢𝗳𝗳𝗶𝗰𝗲 𝗛𝗼𝘂𝗿𝘀 for June, July, and August.

Complimentary 30‑minute, judgment‑free conversations for anyone who wants to talk through a financial question or a big decision you've been navigating.

If you’ve been meaning to finally ask that “I should probably know this by now, but…” question, please grab a spot!

• 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝗝𝘂𝗻𝗲 𝟵𝘁𝗵 𝟯 - 𝟳𝗽𝗺
• 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝗝𝘂𝗹𝘆 𝟳𝘁𝗵 𝟭𝟭 - 𝟯𝗽𝗺
• 𝗧𝗵𝘂𝗿𝘀𝗱𝗮𝘆, 𝗔𝘂𝗴𝘂𝘀𝘁 𝟭𝟯𝘁𝗵 𝟯 - 𝟳𝗽𝗺

All times are Mountain Time but you are more than welcome to book if you live outside of Colorado.

Scheduling link in the comments.

05/21/2026

"𝙄 𝙝𝙖𝙫𝙚 𝙡𝙞𝙫𝙚𝙙 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙖 𝙡𝙤𝙩 𝙤𝙛 𝙝𝙞𝙨𝙩𝙤𝙧𝙮, 𝙗𝙪𝙩 𝙄 𝙨𝙬𝙚𝙖𝙧, 𝙖𝙣𝙙 𝙄 𝙬𝙞𝙡𝙡 𝙨𝙬𝙚𝙖𝙧 𝙞𝙛 𝙮𝙤𝙪 𝙙𝙤𝙣'𝙩 𝙢𝙞𝙣𝙙, 𝙡𝙞𝙛𝙚 𝙝𝙖𝙨 𝙣𝙚𝙫𝙚𝙧 𝙗𝙚𝙚𝙣 𝙩𝙝𝙞𝙨 [𝙗𝙡𝙚𝙚𝙥𝙞𝙣𝙜] 𝙚𝙭𝙥𝙚𝙣𝙨𝙞𝙫𝙚!"
- Phone call from an 85 year old client yesterday

05/20/2026

My morning workout had a really great and creative exercise: "𝘁𝗵𝗲 𝘂𝗻𝗲𝘃𝗲𝗻 𝗹𝘂𝗴𝗴𝗮𝗴𝗲 𝗰𝗮𝗿𝗿𝘆".

One very heavy weight hanging down by your side. Another, lighter but still substantial, resting up on your opposite shoulder. Then walking lunges, stopping in the middle.

Try it. It’s hard! It forces you to stabilize, balance, and stay focused with every step.

When I was a personal trainer, I lost count of how many clients got injured carrying their luggage. They were headed into a trip they were really excited about, planned for, saved for, and suddenly they were at their destination in pain, unable to do all the activities they’d been looking forward to.

This is also how financial imbalance shows up.

Most people don’t get “injured” because their goals or responsibilities are too heavy. They get thrown off because the load is uneven. A big obligation on one side, a meaningful but still weighty goal on the other. And they haven’t built the stability in their financial life to carry both at the same time.

Financial planning is the strength training for this type of inevitable life event.

It’s where you build the core, the balance, the awareness to handle uneven weight without tipping over when life gets busy and unpredictable.

The goal isn’t to remove the weight. It’s to carry it with strength so you can actually enjoy the trip you’ve worked so hard to take.

05/19/2026

I met with a prospective client recently who's been with the same Advisor for a few years.

There are several issues with their relationships, such as lack of responsiveness and follow-through, but the main one is that she doesn't understand what she's invested in.

She assumed the problem was her own lack of investment knowledge.
Then I reviewed her statements and WOW. No wonder she was confused.

There's a big difference between not knowing much about investing and not understanding what your Advisor is recommending.

The first is normal.
In my opinion, the second is a problem.

05/19/2026

I met with a prospective client recently who's been with the same Advisor for a few years.

There are several issues with their relationships, such as lack of responsiveness and follow-through, but the main one is that she doesn't understand what she's invested in.

She assumed the problem was her own lack of investment knowledge.
Then I reviewed her statements. WOW. No wonder she was confused.

There's a big difference between not knowing much about investing and not knowing what your Advisor has you invested in.

The first is normal.
The second is a problem.

𝗜𝘀 𝘁𝗵𝗲𝗿𝗲 𝗺𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗱𝗼𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝟰𝟬𝟭𝗸, 𝗲𝘃𝗲𝗻 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗺𝗮𝘅𝗶𝗻𝗴 𝗶𝘁 𝗲𝘃𝗲𝗿𝘆 𝘆𝗲𝗮𝗿?𝗧𝗵𝗲 𝗮𝗻𝘀𝘄𝗲𝗿 𝗶𝘀 𝗬𝗘𝗦.When both partner...
05/14/2026

𝗜𝘀 𝘁𝗵𝗲𝗿𝗲 𝗺𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗱𝗼𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝟰𝟬𝟭𝗸, 𝗲𝘃𝗲𝗻 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗺𝗮𝘅𝗶𝗻𝗴 𝗶𝘁 𝗲𝘃𝗲𝗿𝘆 𝘆𝗲𝗮𝗿?

𝗧𝗵𝗲 𝗮𝗻𝘀𝘄𝗲𝗿 𝗶𝘀 𝗬𝗘𝗦.

When both partners are already maxing their 401(k)s, the lever to save more is no longer there. But the lever to optimize is still wide open.

• You likely have a Roth vs. pre‑tax decision. (𝘌𝘷𝘦𝘯 𝘩𝘪𝘨𝘩‐𝘪𝘯𝘤𝘰𝘮𝘦 𝘦𝘢𝘳𝘯𝘦𝘳𝘴 𝘰𝘧𝘵𝘦𝘯 𝘩𝘢𝘷𝘦 𝘵𝘩𝘪𝘴 𝘤𝘩𝘰𝘪𝘤𝘦.) Does the decision you made years ago still fit your current tax picture and goals?

• Does one plan have high fees or weak investment options? And are you making 401(k) decisions in isolation instead of looking at your whole financial life?

• Is your investment allocation still aligned with your goals, timeline, and risk tolerance? Maybe you picked a target‑date fund at 25 and you’re now 55. Is that allocation working for you? Or you built an aggressive equity mix when you started saving and haven’t touched it since.

• Most people focus on saving, not how they’ll eventually use the money. Without thinking ahead to your withdrawal strategy, you can create unnecessary tax drag later.

The takeaway... a quick annual 401(k) check‑in may meaningfully improve your long‑term outcomes. It's worth your time!

05/11/2026

Most “missed opportunities” in financial planning come from the Advisor-Client team being reactive rather than proactive.

When your Financial Advisor knows enough about your life to anticipate your needs and is organized with their planning process, you may be able to avoid costly mistakes or take advantage of time-sensitive opportunities. Not always, but sometimes.

A few examples of time sensitive planning opportunities include a window to refinance, RSU vesting, or a great year to do a Roth conversion.

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1746 Cole Boulevard Ste 225
Lakewood, CO
80401

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