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For You, Financial Planning Begins Today

The American Dream – a family, a comfortable home, a rewarding career, and a retirement that takes you on the bucket list adventures that you’ve earned. This is what you’ve worked so hard for since graduating with your degree and making your mark in the world.

But the pace of life has changed since our parents’ and grandparents’ generations. We’re still paying off student loans, housing is becoming drastically more expensive, saving for your children’s education is becoming more difficult, all while employers and self-employment offer fewer benefit plans. Increasing medical costs and the possibility that we may need to help our aging parents as their savings dwindle also have a potential impact on our own nest egg. Retirement plans – while important to you – seem to get put on the back burner of priorities.

The rate of these economic changes is exponential compared to a few decades ago.

With all of these challenges, it is becoming more important for you to focus on financial planning to succeed in your long-term goals. Financial planning helps to prioritize goals and create practical savings and investment strategies for you to overcome the financial challenges of today. Working with a Certified Financial Planner™ professional will help to create clear and transparent solutions for you to:

  • Have proper personal savings for unexpected emergencies
  • Pay off your mortgage earlier
  • Help pay for your children’s education
  • Prepare for retirement
  • Help with the medical expenses of our aging parents

Helping You Navigate

Financial Planning Fort Collins was founded to help you plan for the financial challenges of this new reality – challenges that require a different and more efficient approach than what worked decades ago.

The importance of a consistent, regular savings strategy and a basic financial plan for the long-term financial security of your family has never been more important – and the earlier it is begun the better.

No matter your life stage, our process affords you clear guidance along with practical financial strategies. Our advisors provide competitively priced, streamlined, and valuable financial planning and investment management services to help you move forward in life.

We collaborate with all of our clients to create a basic financial plan and a properly diversified investment portfolio to help achieve both short and long-term financial goals. At the same time, we understand that your needs may go beyond the basics. We are prepared to serve and advise our clients with strategies for complex and challenging financial needs.

Our attention to detail combined with guidance that is tailored to your individual needs can help to provide you with the tools and resources you need to navigate the growing financial challenges of our generation.

Our Team

Jason Speciner

Jason Speciner

Financial Planner, Founder

Michele Scalva

Michele Scalva

Administrative Assistant

Financial Planner, Founder – Jason Speciner

Jason SpecinerJason Speciner is a Certified Financial Planner™ professional and an Enrolled Agent. Since 2004 he has served clients of all ages and backgrounds with unique experience working with members of generations X and Y.

As a Certified Financial Planner™ professional, Jason has met the Certified Financial Planner Board of Standards’ rigorous initial and ongoing education, examination, experience, and ethics requirements. In practice he must adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence when working with clients.

As an Enrolled Agent, Jason has demonstrated a special competence in tax matters and has been granted unrestricted rights to represent taxpayers before the Internal Revenue Service. To maintain these rights he must adhere to specific ethical standards and stay current with tax law and regulations by completing a required amount of continuing education annually.

Jason graduated from Colorado State University with a Bachelor of Science in Business Administration, concentration in Finance, and a certificate in International Business. While attending CSU Jason was a member of the 2000 and 2002 Mountain West Conference champion football team.

In 2005 Jason met his wife Casey in Fort Collins. Casey and Jason were married in 2009 and share their home with their daughter, Shiloh, their twin sons, Hunter and Quentin, and their black lab, Cosmo Kramer. Jason’s interests include technology, cooking, travel, and sports.

You can check the background of this investment professional on FINRA’s BrokerCheck and the SEC’s Investment Adviser Public Disclosure website.

Administrative Assistant – Michele Scalva

Michele Scalva

Michele Scalva is the head of operations mission control at Financial Planning Fort Collins. An experienced administrative professional, Michele’s many talents allow our advisors to spend more time focusing on our clients and their financial planning needs.

Michele graduated from Colorado State University with a Bachelor of Science in Psychology. She enjoys traveling and is fueled by the excitement of self-discovery and an interest in new experiences. In her spare time Michele is learning to play the guitar and speak Italian.

A Colorado native, Michele also enjoys cooking, eating, trips to art museums, Pilates, and spending time with her significant other, Bob.

Insurance Specialist – Steve Dundee

Steve DundeeSteve Dundee is not affiliated with Cambridge.

Steve Dundee has been a licensed insurance producer since 2000. Working with individuals, corporations, and business owners, Steve dedicates his efforts to constructing policies that favor his client’s needs and objectives. As an independent producer he is able to sit side by side with his clients and help them select the best carrier and policy for their unique and specific situation.

Steve listens carefully to his clients and helps them filter through the vast array of carriers and policies available. With no quotas, ties, or commitments to any specific carrier, Steve’s independence results in a truly custom fit between the client and the policy. Steve is passionate about providing quality, transparent service and education to his clients.

Between 1993 – 1997 Steve attended Colorado State University, studying Liberal Arts and Psychology. While attending CSU Steve was a member of the three time Western Athletic Conference champion football team, playing for head coach Sonny Lubick.

Splitting time between two homes, Steve is a part-time resident of San Diego, CA, living with his daughter Kaylee. While in Fort Collins, Steve enjoys the company of his parents, sister, and nephews, all of whom live in the area. Steve’s interests include fishing, cooking, and travel.

MINIMUM ACCOUNT SIZE
The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds.
ANNUAL FEE
0.75% of assets under management ($75 per $10,000 managed). Debited from the account.
MINIMUM ACCOUNT SIZE
There is a minimum initial investment of $125,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities. Asset management fees are debited from the account.

Minimums do not apply to inStream proactive financial planning as a stand-alone service.
ANNUAL FEE
Assets Under ManagementFee as a % of AUM
$125,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%

inStream proactive financial planning as a stand-alone service: $1,250/year or $125/month
MINIMUM ACCOUNT SIZE
There is a minimum initial investment of $100,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities.

Minimums do not apply to inStream proactive financial planning as a stand-alone service.
ANNUAL FEE
Assets Under ManagementFee as a % of AUM
$100,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%

inStream proactive financial planning as a stand-alone service: $1,000/year or $100/month
MINIMUM ACCOUNT SIZE
There is a minimum initial investment of $100,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities.

Minimums do not apply to inStream proactive financial planning as a stand-alone service.
ANNUAL FEE
Assets Under ManagementFee as a % of AUM
$100,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%

inStream proactive financial planning as a stand-alone service: $1,000/year or $100/month
MINIMUM ACCOUNT SIZE
The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds. Invest:FOCO is currently available for Individual, Joint, Traditional IRA, and Roth IRA registrations.
ANNUAL FEE
0.65% of assets under management ($65 per $10,000 managed)
MINIMUM ACCOUNT SIZE
The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds.
ANNUAL FEE
0.65% of assets under management ($65 per $10,000 managed)
TAX PREPARATION
Invest:FOCO clients are eligible for a 10% discount on income tax preparation services offered through Fort Collins Tax Service, LLC. This discount applies to the base cost for return preparation as well as Schedules B & D. More details can be found here.
MINIMUM RELATIONSHIP SIZE
There are no minimums when utilizing inStream proactive financial planning as a stand-alone service.

When investment management services are desired, there is a minimum initial investment of $125,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities. inStream proactive financial planning is then included at no additional cost.
ANNUAL FEE
inStream proactive financial planning as a stand-alone service: $1,250/year or $125/month

Assets Under ManagementFee as a % of AUM
$125,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%
TAX PREPARATION
Strategy:FOCO clients are eligible for a 50% or 100% discount on income tax preparation services offered through Fort Collins Tax Service, LLC. This discount applies to the base cost for return preparation as well as Schedules B & D. More details can be found here.
Monthly Economic Update
Stay in the loop with our Monthly Economic Update. It's a great way to catch up on the things effecting your financial plan in an easy to read and relatable format.

We promise to only use your name and email address for sending our Monthly Economic Update. We will not sell, rent, lease, loan, or use your name or email address for any other purpose, internally or externally. You can easily unsubscribe at any time.
Monthly Economic Update
Stay in the loop with our Monthly Economic Update. It's a great way to catch up on the things effecting your financial plan in an easy to read and relatable format.

We promise to only use your name and email address for sending our Monthly Economic Update. We will not sell, rent, lease, loan, or use your name or email address for any other purpose, internally or externally. You can easily unsubscribe at any time.
MINIMUM ACCOUNT SIZE
Minimums do not apply to always-on, real-time financial planning as a stand-alone service.

For investment management services there is a minimum initial investment of $125,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. Investment management fees are generally debited from the accounts to which they apply. Financial planning services are included for Strategy:FOCO investment management clients at no additional charge.
ANNUAL FEE
Always-on, real-time financial planning as a stand-alone service:  $125/month or $1,250/year

Assets Under ManagementFee as a % of AUM
$125,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%
Five Savings Secrets
Are you 30 - 60? Let us give you a few tips with our free white-paper: Five Savings Secrets. Then stay in the loop with our monthly economic update; a great way to catch up on the things affecting your financial plan in an easy to read and relatable format.

We promise to only use your email address for sending the white-paper and our monthly economic update. We will not sell, rent, lease, loan, or use your email address for any other purpose, internally or externally. You can easily unsubscribe at any time.