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 the 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.)

𝗪𝗼𝘂𝗹𝗱𝗻'𝘁 𝗶𝘁 𝗯𝗲 𝗻𝗶𝗰𝗲 𝗶𝗳 𝘆𝗼𝘂 𝗵𝗮𝗱 𝘀𝗮𝘃𝗲𝗱 𝟭𝟬% 𝗼𝗳 𝗲𝘃𝗲𝗿𝘆 𝗱𝗼𝗹𝗹𝗮𝗿 𝘆𝗼𝘂'𝘃𝗲 𝗲𝘃𝗲𝗿 𝗲𝗮𝗿𝗻𝗲𝗱 𝗳𝗿𝗼𝗺 𝘆𝗼𝘂𝗿 𝘃𝗲𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗽𝗮𝗶𝗱 𝗴𝗶𝗴?
10/07/2026

𝗪𝗼𝘂𝗹𝗱𝗻'𝘁 𝗶𝘁 𝗯𝗲 𝗻𝗶𝗰𝗲 𝗶𝗳 𝘆𝗼𝘂 𝗵𝗮𝗱 𝘀𝗮𝘃𝗲𝗱 𝟭𝟬% 𝗼𝗳 𝗲𝘃𝗲𝗿𝘆 𝗱𝗼𝗹𝗹𝗮𝗿 𝘆𝗼𝘂'𝘃𝗲 𝗲𝘃𝗲𝗿 𝗲𝗮𝗿𝗻𝗲𝗱 𝗳𝗿𝗼𝗺 𝘆𝗼𝘂𝗿 𝘃𝗲𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗽𝗮𝗶𝗱 𝗴𝗶𝗴?

In the fitness world, RPE (rating of perceived exertion) is one of my favorite metrics. It tells you whether you’re actu...
09/30/2026

In the fitness world, RPE (rating of perceived exertion) is one of my favorite metrics. It tells you whether you’re actually working at the level required to create the adaptation you want.

If every workout sits at a 3 or 4 out of 10, here's what happens:
• You feel productive.
• You're going through the motions.
• But you don’t get the results you desire.

Your financial life works the exact same way.

If your “financial RPE” is consistently low, your potential outcomes are likely to be muted. A low financial RPE may include:
• Avoiding the hard decisions.
• Delaying the planning.
• Failing to give taxes enough attention.

Real change requires real effort. Consistent, meaningful exertion toward the future you want.

𝗪𝗵𝗮𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗣𝗘 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄? 𝗜𝘀 𝗶𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝘀𝘁𝗲𝗽 𝗶𝘁 𝘂𝗽 𝗮 𝗻𝗼𝘁𝗰𝗵?

𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗠𝗼𝗺𝘀! 𝗧𝗵𝗶𝘀 𝗶𝘀 𝘃𝗲𝗿𝘆 𝗻𝗶𝗰𝗲 𝘁𝗼 𝗵𝗲𝗮𝗿... There's so much value derived from having a stay-at-home parent when children...
09/29/2026

𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗠𝗼𝗺𝘀! 𝗧𝗵𝗶𝘀 𝗶𝘀 𝘃𝗲𝗿𝘆 𝗻𝗶𝗰𝗲 𝘁𝗼 𝗵𝗲𝗮𝗿...

There's so much value derived from having a stay-at-home parent when children are young. Harvard Business School research led by Kathleen McGinn offers a reassuring message for working moms.

The study found that daughters of employed mothers tend to earn more and step into leadership roles more often.

Sons of working mothers grow up contributing more at home and with childcare duties.

Careers and thriving families can absolutely coexist.

Thanks to Michelle Chun for bringing this study to my attention.

𝗬𝗼𝘂𝗿 𝗮𝗴𝗶𝗻𝗴 𝗽𝗮𝗿𝗲𝗻𝘁 𝗼𝗿 𝗹𝗼𝘃𝗲𝗱 𝗼𝗻𝗲 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗯𝗲 𝗵𝗮𝗻𝗱𝗹𝗶𝗻𝗴 𝗵𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝘄𝗲𝗹𝗹. 𝗦𝗵𝗲 𝗺𝗮𝘆 𝗻𝗲𝗲𝗱 𝘆𝗼𝘂𝗿 𝗵𝗲𝗹𝗽.I’m supporting a very sweet...
09/28/2026

𝗬𝗼𝘂𝗿 𝗮𝗴𝗶𝗻𝗴 𝗽𝗮𝗿𝗲𝗻𝘁 𝗼𝗿 𝗹𝗼𝘃𝗲𝗱 𝗼𝗻𝗲 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗯𝗲 𝗵𝗮𝗻𝗱𝗹𝗶𝗻𝗴 𝗵𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝘄𝗲𝗹𝗹.
𝗦𝗵𝗲 𝗺𝗮𝘆 𝗻𝗲𝗲𝗱 𝘆𝗼𝘂𝗿 𝗵𝗲𝗹𝗽.

I’m supporting a very sweet woman in her early 80s. She’s incredibly organized. She keeps every statement neatly filed in a 3‑ring binder. So on the surface, her adult children understandably have assumed everything is taken care of.

When I asked whether she had any debt, she confidently said NO.

But in reviewing her finances, I found a HELOC opened two years ago, maxed out with a $20k balance at a 7% variable interest rate.

She became frustrated and flustered and said "I only use a debit card. I do not have any debt."

For everyday purchases, she had been using what she believed was a "debit card." She didn't realize this card is tied to that HELOC.

If you’re able to offer support and your loved one is willing to receive it, even a small check‑in can help prevent an unpleasant financial surprise.

"𝙒𝙚'𝙧𝙚 𝙜𝙚𝙩𝙩𝙞𝙣𝙜 𝙝𝙞𝙩 𝙬𝙞𝙩𝙝 𝙩𝙖𝙭𝙚𝙨."I've been hearing this often. What does it mean and how do you know if you're paying more...
09/23/2026

"𝙒𝙚'𝙧𝙚 𝙜𝙚𝙩𝙩𝙞𝙣𝙜 𝙝𝙞𝙩 𝙬𝙞𝙩𝙝 𝙩𝙖𝙭𝙚𝙨."

I've been hearing this often. What does it mean and how do you know if you're paying more than necessary?

Maybe it's because...

• Your income jumped but your tax strategy didn’t.
• You’re not using all available deductions.
• You haven’t reviewed your withholdings since your income changed.
• You’re not coordinating taxes with your investments. Capital gains, tax‑loss harvesting, or asset location.
• You only think about taxes at tax time instead of planning proactively throughout the year.
• Your CPA files your return, but no one is helping you proactively strategize.

High‑income professionals often overpay simply because their financial life gets more complex and they're too busy to address it.

The WealthClarity team recently spent the day with Brothers Redevelopment, Inc. for a Volunteer Paint-A-Thon, helping a ...
09/21/2026

The WealthClarity team recently spent the day with Brothers Redevelopment, Inc. for a Volunteer Paint-A-Thon, helping a City of Arvada homeowner give his home a much needed fresh coat of paint.

We’re grateful for the opportunity to lend a hand in our community and proud of our whole team for showing up ready to work. A special shout out to Nancy, who arrived in a sling with a fresh shoulder injury!

𝗧𝘄𝗲𝗹𝘃𝗲 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼 𝘁𝗼𝗱𝗮𝘆, 𝗜 𝗯𝗲𝗰𝗮𝗺𝗲 𝗮 𝗠𝗢𝗠.I've done a few things I'm proud of. Nothing is close to this one.If I may boast ...
09/10/2026

𝗧𝘄𝗲𝗹𝘃𝗲 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼 𝘁𝗼𝗱𝗮𝘆, 𝗜 𝗯𝗲𝗰𝗮𝗺𝗲 𝗮 𝗠𝗢𝗠.

I've done a few things I'm proud of. Nothing is close to this one.

If I may boast for a moment... she is a very cool girl. She loves adventuring in the mountains. She's a great cook. She reads every day. She still loves to cuddle. And she has been a phenomenal big sister since she was 17 months old.

She's amazing. We are very lucky. I am so thankful to be her Mom.

08/31/2026

One of my new clients told me that when he's out at a work-related happy hour or chatting with co-workers, everyone is talking about Roth versus pre-tax 401k decisions and how much they're all saving and in what type of account.

I love this!

Creating a healthy mix of taxable, tax-deferred, and Roth accounts gives you options and flexibility in the future. Instead of having one or two buckets to pull from, you'll have three. That flexibility is worth more in retirement than almost any single investment decision you make.

𝗛𝗼𝘄 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗺𝗮𝗸𝗶𝗻𝗴 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝗮𝘀 𝘁𝗼 𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗱𝗼𝗹𝗹𝗮𝗿 𝘀𝗵𝗼𝘂𝗹𝗱 𝗴𝗼?

08/25/2026

𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗰𝗿𝗲𝗲𝗽...

Not in the “I upgraded my car and bought a bigger house” kind of way.

For years, I was the person who hunted down the best grocery prices, didn't pay more than $50 on a pair of sneakers, parked in the Pikes Peak airport lot and took the shuttle at mightnight to catch a cheap red‑eye.

But over the last few years of raising a family and having two full-time working parents, my version of lifestyle creep became all about buying back my time.

Now, my husband and I happily pay the company that assembles the 100‑item school supply list. We order groceries to be delivered to our front door. We pay an incredible cleaning crew (led by a hardworking grandma running her own small business) to handle the deep cleaning. We park close to the airport and skip the shuttle. And I no longer even consider red‑eye flights because I know exactly how awful I'll feel the next day.

And yet…
I still drive my 2012 Highlander with 150k+ miles. And I still love it.
I still live in the first home we bought in 2013.
I don't really think I'm chasing “more.” If anything, I'm chasing less.

Our lifestyle creep has come in the form of spending money to free up time for the people and activities we care about. We are splurging on a couple family vacations every year and that quality time with our daughters at these ages is money well spent.

𝗧𝗵𝗶𝘀 𝗶𝘀 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗜 𝘁𝗮𝗹𝗸 𝗮𝗯𝗼𝘂𝘁 𝘄𝗶𝘁𝗵 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗮𝗹𝗹 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲.

𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗰𝗿𝗲𝗲𝗽 𝗶𝘀𝗻’𝘁 𝗶𝗻𝗵𝗲𝗿𝗲𝗻𝘁𝗹𝘆 𝗯𝗮𝗱. 𝗜𝘁’𝘀 𝗼𝗻𝗹𝘆 𝗮 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂 𝗲𝗶𝘁𝗵𝗲𝗿 𝗰𝗮𝗻'𝘁 𝗮𝗳𝗳𝗼𝗿𝗱 𝗶𝘁 𝗼𝗿 𝗶𝘁’𝘀 𝗻𝗼𝘁 𝗶𝗻 𝗮𝗹𝗶𝗴𝗻𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝘃𝗮𝗹𝘂𝗲.

08/25/2026

The most expensive thing in your financial life right now is probably a decision you haven't made. Or something you aren't even aware of.

Indecision and procrastination can be expensive.

Address

1746 Cole Boulevard Ste 225
Lakewood, CO
80401

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(720)6031425

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