Front Range Financial Specializes In Helping You Enjoy A Worry-Free Retirement

I have been working with Lex since he started his own company many years ago. His guidance and friendship have been very important to me and my wife both in business and personal life. He is always able to guide me and answer my questions. His associates Patrick, Bowen, Michael, and Brian are great and they are always available when I need help. He's a pretty good golfer too!.
We met Lex at a seminar he hosted. As he spoke about the full scope of services his firm offers, which include tax planning, social security advice, medicare advice, estate planning and retirement planning, my wife and I looked at each other and we both said, we need him. After meeting with him and members of his firm 4 times, we have developed a trust in their strategy. They explain things very well, give you a lot of input, and give sound advice. We are retiring years earlier than we thought we would. ...because of them.
After retiring from the federal government, moving on to a second career and retiring a second time, now from the state, I found it difficult to find a trustworthy, and more importantly, knowledgeable firm, to guide me through the remaining years of retirement. While the federal Thrift Savings Plan (TSP) was a wonderful mechanism for savings, there are limited choices to its management, both during and after retirement. A very good and trusted friend recommended Front Range Financial, as the source, to understanding federal and state retirement systems and best practices for managing these assets.
My spouse, who is currently still employed federally, was asking even more questions, as she is under the newer Federal Employee Retirement System, while I was under the former Civil Service Retirement System.
After introduction to Lex Hackley and Patrick Durst, I was instantly impressed with their knowledge of the nuances of each system and keen insight into managing the accounts, especially from the TSP.
I left that first meeting and spent several hours researching Front Range Financial, Lex, Patrick and their affiliation with Lifemark Securities Corporation.
What I found was exactly what my good friend had shared.....honesty, transparency, personal service and the desire to provide sound, quality, hassle-free management, as a true fiduciary, placing the customer first.
Both my spouse and I have transferred all of our assets from the TSP, through Front Range Financial to a series of accounts, which are performing, just as we desired, without our daily involvement.
Patrick and Lex spent a significant amount of time analyzing our portfolios, current and future needs and wants, and most importantly, the levels of risk we wanted to take in our investments.
They custom tailored the programs to our needs, not theirs. The returns have been excellent and the service unparalleled.
One of the things that impresses me most, is we have never personally met Lex, Patrick or any other employee from Front Range Financial, as we live in different states separated by hundreds of miles, yet they treat us just like we are neighbors.
Through our regular ZOOM meetings, we have come to have a great personal relationship, with both sides sharing our true personalities, in depth.
Front Range Financial feels like family. This is nearly impossible to find today, where most companies just look at you as another number. Not Front Range Financial.
Thank you, Lex, Patrick, Bowen, Brian and others whom we have yet to meet, for providing outstanding, customer focused service, and quality management of our retirement, and soon to be completed, Trust and Will for our legacy to our family.
We highly recommend you, especially to other federal retirees, as the "go to" source for financial management.
I have known Lex Hackley for over 25 years, and he has served as my financial planner since 2008. He has been with us through the ups and downs of life, including the profound loss of a child. Throughout it all, Lex has provided steady guidance and compassion, helping my wife and me thoughtfully plan a clear and confident path toward retirement.
Lex is proactive, attentive, and committed to keeping us on track, while always tailoring his advice to our evolving needs. I have complete confidence that he would bring the same personalized care and dedication to anyone seeking financial guidance.
After forty years with my company, I was preparing for retirement and wanted clarity about my finances. My money at the time was being managed by a well known fiduciary firm, but whenever I asked questions, the answers were either too complex to understand or I was passed off to someone who never really helped. It left me feeling uncertain and frustrated.
That changed when my wife and I attended a Tax in Retirement class hosted by Front Range Financial. We met Les and his team, and decided to take them up on their offer for a personalized follow up meeting. From the very first session, we received clear answers to our questions—and even discovered important questions we hadn’t thought to ask. A second meeting confirmed what we already suspected: FRF was the right choice for us.
With the guidance of Les, Patrick, Bowen, Michael, and Brian, we made decisions we would never have known about on our own. We transferred our finances to FRF, and while our former company was unhappy and tried to keep us with persistent calls and emails, we knew we had made the right move. What mattered most was being able to sit across the table, look someone in the eye, shake a hand, and know we were working with real people who truly care—not just about our money, but about us. In the future I will be working with FRF on other retirement and financial aspects.
Today, I feel more secure about my finances and retirement than I have in years. I wholeheartedly recommend Front Range Financial to anyone preparing for retirement. Have them review your portfolio—you won’t regret it.
I attended a seminar lead by Lex and was extremely impressed with his knowledge of recent tax law changes as they apply to retirees. The seminar was WELL worth the time to attend. I also attended several follow-up meetings with Lex and his team to discuss my situation with respect to Lex's perspective on retiree investing and taking advantage of tax laws. I highly recommend using Lex and his team to determine how their insights may benefit you.
I highly recommend Front Range Financial! We first attended a retirement session with Lex and got such great information we elected to get a free consultation which resulted in a life changing event for us. This team has taken us in such a positive direction for our finances and we couldn't be happier and feel so comfortable and confident that our money and retirement plans and goals are in the hands of very professional and an honest team. We feel very blessed that we found this team and they are guiding us in the proper direction to fuel our retirement and future in the right direction. They also helped us finalize our living trust that we had put off for years and now have the comfort knowing if something happened to us our family knows that everything in in order. We can't be more grateful. They are the best to work with and can't say enough good things about them all.
I highly recommend Front Range Financial! I got sound advice that was very specific to my unique personal situation. They took the time necessary to understand my business, my retirement goals as well as my other concerns. It is certainly worth your time to schedule a meeting to review your finances with this very knowledgeable and professional team. I believe, like me, you will be glad you did!
My husband, Dick, and I attended a free Front Range Financial seminar with Lex and team at the Parker Arts, Culture and Events Center. After the seminar we scheduled their hour complimentary personal meeting with their team. Their insights on capital gains and estate planning were much more valuable than we anticipated. I was concerned about the many changes in our lives this year. I came away “relieved”!
The team is outstanding!
Joann Bruso
The team is the most informative and knowledgeable people my wife and I have ever worked with. The receptionist Kerri is the most friendly person we have ever met. We've worked with other financial planning firms in the past without that much success. This company combines financial planning along with tax planning savings. The other firms charge monthly fees for managing your money. This company doesn't charge you anything they get paid by the companies they represent.
The team at Front Range truly listened to what we wanted from a retirement plan. Then they dug deep into our current situation and came back with several options that could achieve what we wanted. They took the time to explain the pros and cons of each option and landed on a solid strategy for us. They are always willing to talk through questions or new situations and approach them in a positive, friendly manner that helps us understand the what and why of the recommendations. Most importantly, they have always put us first. I highly recommend them.
I have had front rage financial for several years now their staff is very knowledgeable with the growing market in stocks and bonds II have the right people in my corner when it comes to planning for retirement.. I highly recommend front range financial for any of your 401(k) or retirement plans. Give them a call.
Front Range Financial is awesome!! We’ve been a client since 2021and could not be happier with our entire experience. If you are looking for professional, sound, financial planning, we highly recommend them.
Lex and his crew have been guiding me thru my retirement for about 8 years now. Patrick always comes up with a game plan for me every year. Brian always takes care of my questions when I don't understand something I get in the mail. I truly have made good friends with the whole group. I definitely recommend their services.!!
Response from the owner:Thank you for the nice words Scott. Thank you for trusting us throughout your retirement journey!
We look forward to continuing this relationship well into the future!
Warm Regards from all of us here at Front Range Financial
Everyone in the office is very friendly and knowledgeable. They listen to your needs, make great suggestions and are easy to work with.
Response from the owner:Thank you very much for the kind words! We are all grateful for the opportunity to work with you and look forward to assisting you again in the future.
Other financial planners focused on wealth building, but only Lex and his staff gave us real help in handling taxes and investments during retirement; a breath of fresh air!!
Very Satisfied with how things are going with my retirement savings. Also, the variety of professionals in their office, including access to the mortgage lender I'm working with, an insurance agent for home and auto, etc.
I attended one of Lex's Tax planning in retirement seminars at a local library. They seemed to know their stuff so I scheduled a free 1 hr meet-up with Lex & Patrick. I appreciated the tax planning & general financial planning that we discussed & have since decided to utilize their fiduciary services. To date I have no complaints. Everyone at the office is competent, caring and willing to help at any time and easy to communicate with. You might consider them as your fiduciary planners!
Lex and his company have been our financial advisors since about 2004. Consider him a valuable advisor always looking out for us with the best advice. Over the years he has also become a close personal friend. The other people in his office are competent and helpful, and we feel that we are advised by the best person we know.
Front Range Financial has been my fiduciary for many years, while I was working, and since I've retired. They have managed my investments allowing me to retire comfortably.
What an incredibly impressive team. I am confident my retirement is in good hands!
Response from the owner:Hi Lisa,
Thanks for your confidence in us.
Cheers!
I have been a client since 1997. All interactions with Front Range personnel have been friendly and professional. I have utmost confidence in the advice I have been given over many years.
After 30 years with a Financial Planner who I appreciate, I chose Front Range Financial to manage my retirement and financial planning. Why? My previous planner would state 'make sure you go to your tax advisor with your tax questions'. I attended a Front Range Financial seminar at a local library and learned about scenarios and mistakes you can make in retirement where you may end up paying more taxes. I was intrigued. While Front Range Financial are financial planners and not tax experts, they do know how varioius financial decisions affect taxes. I decided to learn more about their plannig services so made a follow up appointment. After 2 visits each over an hour long discussing my current finances, my part time work in retirement , goals, and a review of 'holding's determined by my previous planner, they layed out a view that I liked. So I decided to change. I found all the staff to be thoughtful, welcoming, and I believe (while we know that 'past performance is no guarantee of future earnings), I am confident I have found a financial planning home that is a better fit for me.
I was shafted by one of the large name financial companies and I was devastated by the resulting circumstances. Thus taxes being one of my larger expenses, I attended the Taxes in Retirement course that Lex led. Then I scheduled the offered free consultation. You might say I was hooked and I began my relationship with Front Range Financial about two years ago.

Due to the caring and listening attitude and an appreciation for quality of life in retirement, I am happily resettled and living off my SSA funds, with additional income from the change in my investments. I feel I can live a good life now, including travel. I am comfortable with the long-term plan we developed together. This is such higher quality service and more options than any big firm offered me. I am grateful for the continued support Patrick offers. This is my firm for life. Check them out.
 These are non-paid, client testimonials. Past performance relating to the firm’s recommendations is not indicative of future performance.
taxes

Retirement Planning

Financial planning is crucial throughout all stages of life, but many people think retirement planning can be left until later. In reality, however, it is never too early to start planning your retirement.

While saving and planning for the future is rarely easy, following these steps will give you the best chance of achieving your retirement goals.

tax planning

401K & Pension Rollovers

There are two main types of retirement plans – Defined Contribution and Defined Benefit plans. While there are pro and cons to each type, both plans grow tax-deferred.

Defined Benefit pension plans are becoming the less common retirement plan so if you find yourself in the less than 10% of retirees to have a pension, consider yourself lucky! Defined Benefit plans are designed to pay an employee a monthly income for the rest of your life in retirement and sometimes even a spouse. The amount is calculated using a formula that is usually based on salary and years of service and that payment continues for as long as you are alive.

Members of Defined Contribution plans generally contribute a certain percentage of their income each year and commonly the company will match a portion of your contribution. The goal with a Defined Contribution plan is to grow your tax-deferred pot of money large enough to retire on, and pay the later when you are no longer working.

Financial Aid

Estate Planning

Many people believe estate planning simply means having a will. In fact, estate planning is far more complex than most people understand. It would also surprise many to realize just how much money can be saved by implementing a properly structured estate plan.

Click the below button to see a list of estate planning tasks that need to be addressed, regardless of age or health.

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