HTSW Colorado Springs Team

09/14/2026

As parents, we naturally want to give our children every opportunity we can. But planning for their
future shouldn't mean putting our own financial security on the back burner.
That's what makes college planning such an important part of the bigger financial picture. The earlier
you start, the more time you have to find a balance between education savings, retirement, and the other
goals that matter to you.
Our latest blog offers a helpful roadmap for navigating college planning at every stage.

If you’re a parent of an elementary or middle school student, you may feel like you have plenty of time before thinking about your child’s future education. Many parents don’t begin seriously considering college admissions or the cost of higher education until their child reaches high school. ...

08/31/2026

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

07/15/2026

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

06/23/2026

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

06/12/2026

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...

05/15/2026

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:

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...

07/08/2024

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:

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...

07/04/2024

We hope you enjoy celebrating with your friends and family.

07/01/2024

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:

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...

03/28/2024

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

If so, now's the time to flip the script.