HTSW Colorado Springs Team

How do women approach financial decision-making, and what role can investing play in supporting personal values and priorities?

Join Haleh Moddasser, CPA, Wealth Advisor and Managing Director at HTSW, for a discussion based on her research on women, wealth, and financial decision-making. The conversation will be moderated by Kristin Reynolds, CFA, CAIA, Partner, Practice Group Director at NEPC.

Topics include:
• Women's role in financial decision-making
• Investment decisions and their broader effects
• Aligning investments with personal values and priorities
September 22

2:00 PM ET | 1:00 PM CT
Register here: https://hightoweradvisors.zoom.us/webinar/register/WN_B9f8_U19T-S_gopGNaMW4A #/registration

Divorce often brings a long list of immediate decisions and emotions. In the middle of everything, it's easy to overlook the financial details that can have lasting implications.

When discussing divorce planning, some of the areas I encourage people to focus on include:

• Understanding assets and liabilities
• Reviewing retirement and investment accounts
• Evaluating future cash flow needs
• Updating estate planning and beneficiary designations
• Building a team of trusted legal and financial professionals

Taking a thoughtful approach today can help create a stronger foundation for the future.

Learn more in our latest blog:
https://bit.ly/4f8mUC5

A conversation I have been having more often with clients lately:

“My parents may need financial help… and I’m not sure where to start.”

This is not an easy shift. At some point, many families move from parents supporting children to children stepping in to help.

When that happens, I usually encourage families to start with a few key steps:

✅ Get a clear picture of income, expenses, and assets
✅ Look for ways to adjust before stepping in financially
✅ Have open conversations early, before decisions feel urgent
✅ Set clear boundaries around what is realistic to provide

It is not just a financial decision. It is an emotional one as well. If your family is navigating this, here is a helpful guide to getting started: https://bit.ly/4oNAKNx

Welcome! You are invited to join a meeting: Signature Women Presents: Redefining Retirement—Starting with Mindset, Not Numbers. After registering, you will receive a confirmation email about joining the meeting. What does retirement mean to you? For many women, retirement is no longer simply about reaching a financial milestone—it's about creating a life filled with purpose, freedom, wellness, and fulfillment. We are thrilled to launch the inaugural event of our Signature Women Series on June 23 at 2:00 P...

For years, homeownership was framed as something tied to marriage or dual incomes. That narrative is changing. Single women now account for 20% of home purchases — more than any other group besides married couples. This shift represents more than changing demographics. It reflects how women are using homeownership as a deliberate financial strategy.
Read more about the data behind the trend:

Single Women Are Buying More Homes Than Ever: What the Numbers Reveal A Shift in Homeownership That’s Redefining Wealth Homeownership has long been viewed as a milestone tied to marriage or dual incomes. Today, that narrative is changing. Single women are emerging as one of the fastest-growing segments of homebuyers—quietly reshaping long-standing assumptions a...

We hope you all enjoyed your 4th of July!

As a reminder, if you want to attend this informative webinar, we would like to encourage you to get registered. This is open to you, your family, your friends. If the timing does not work, register using the link below and the recording will be sent for you to watch at your convenience.

July 10th 1:00 MST

Webinar - Planning Early Retirement: What about Healthcare:

Retiring before 65? Discover your healthcare coverage options!

By the end of this webinar presented by Caribou, you'll have an understanding of:
• The rising costs of healthcare and how it impacts retirement plans
• The health insurance options available to pre-65 retirees and their role in risk mitigation
• Important dates, timing, and how to complete a personalized Health Planning Analysis
Please use this link to register:

Creative Financial Services & Caribou | Planning Early Retirement: What About Healthcare? | Caribou Learn all about the important role healthcare planning plays in pre-65 retirees’ financial plans on July 10th at 1 PM MT. You’ll discover background information, data, and case studies highlighting...

We hope you enjoy celebrating with your friends and family.

Planning on retiring before 65? Discover your healthcare coverage options!

I suspect I hear more often than any other objection to early retirement “but I need health insurance”. If you have had this conversation with me, you know that I believe that health insurance is no reason to keep working if you have taken the appropriate steps to plan and prepare accordingly. (no, this doesn't mean saving more, it means saving differently most often). We have invited Caribou to provide an education webinar to you all on this topic on July 10th, 1:00pm MDT.

By the end of this Caribou webinar, you'll have an understanding of:
- The rising costs of healthcare and how it impacts retirement plans
- The health insurance options available to pre-65 retirees and their role in risk mitigation
- Important dates, timing, and how to complete a personalized Health Planning Analysis

Please use this link to register:

Creative Financial Services & Caribou | Planning Early Retirement: What About Healthcare? | Caribou Learn all about the important role healthcare planning plays in pre-65 retirees’ financial plans on July 10th at 1 PM MT. You’ll discover background information, data, and case studies highlighting...

Feeling swayed by market trends? It might be herd mentality at play. Dive into our latest insights to make informed choices.

Are Your Finances Affected by These Biases? If so, now's the time to flip the script.

How long does election year volatility in the market last? Will stocks rebound or tank after the polls close? Read what history revealed.

What will the markets do when we elect the next pres.? Here's how markets fare in presidential election years.