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Retire With Income You Can Count On
Even When Markets Are Unpredictable

You’ve built a meaningful portfolio.
Now it’s time to structure it so that your lifestyle, confidence, and long-term goals are supported by reliable, rising income and smart tax planning – not day-to-day market swings.

A focused conversation to see how your current assets can be structured to support your lifestyle, taxes, and legacy.

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Retirement Should
Feel Like Freedom
Not Noise & Uncertainty

Even financially successful retirees feel tension navigating:

  • Market volatility and inflation

  • Taxes, RMDs, and healthcare costs

  • Sequence-of-returns risk

  • Lifestyle spending over 25–35 years

  • Legacy and family goals
     

Not because they’re afraid of “running out of money,”
but because they want to maintain their lifestyle confidently without being forced into unnecessary risk.

You deserve a plan that supports your life, your values, and your future – elegantly and predictably.

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An Income Architect for Today’s Retiree

Most advisors lead with growth.

We begin with income stability, because dependable income is what allows you to live well today while preserving assets for tomorrow.
 

With 15+ years of experience, our role is to bring clarity to an increasingly complex environment so you can make wise, informed decisions with confidence.

  • Series 65 licensed fiduciary

  • Income-first retirement design

  • Integrated focus on income, taxes, risk, and legacy

  • Transparent fees, often lower than traditional high-fee advisors

Happy retirees in Colorado Springs, CO.

The Lifestyle-First Retirement Framework

We design your retirement in three coordinated layers:
 

1. Income Layer – Lifestyle Support

We build an income-focused structure designed to:

  • Provide dependable cash flow to support your lifestyle

  • Include planned increases over time to help offset inflation

  • Rely on a deliberate income engine, not daily market movements, to fund your spending

The goal is financial calm: knowing your lifestyle is supported by a plan, not by hope.
 

2. Protection Layer – Added Confidence (Optional)

For clients who want even greater certainty, we can selectively incorporate fixed index annuities to create additional lifetime income for a portion of assets, while keeping the rest of the portfolio flexible and available.
 

3. Growth Layer – Long-Term Wealth & Legacy

Once lifestyle income is secured, remaining assets are positioned for measured, disciplined growth to support:

  • Future purchasing power

  • Healthcare and long-term care needs

  • Multi-decade retirement horizons

  • Charitable and family legacy objectives

This layered design avoids unnecessary risk while keeping your wealth productive.

A Clear, Elegant Framework for Retirement Success

1. Discover

We clarify your:

  • Lifestyle goals and spending needs

  • Existing assets and current strategy

  • Tax profile and Social Security situation

  • Family, legacy, and values-based priorities
     

2. Design

You receive a tailored retirement income map showing:

  • How income is generated and structured to increase over time

  • Tax optimization opportunities (RMD planning, Roth strategies, IRMAA awareness)

  • Recommended timing for Social Security

  • How growth assets support long-term goals

  • How your estate strategy integrates with your financial plan
     

3. Implement & Steward

We implement the strategy, monitor the income engine, and proactively adjust as life, tax rules, or markets change.
You stay informed and in control – never overwhelmed.

Without a coordinated strategy, even high-net-worth households can experience:

 

  • Unnecessary tax drag and IRMAA surprises

  • Taking more market risk than their lifestyle actually requires

  • Assets used inefficiently across accounts 

  • Lifestyle flexibility eroding over time

  • Legacy plans that are unclear or misaligned with their wishes

  • Missed opportunities to grow wealth after income needs are already met
     

Good planning doesn’t just seek to preserve wealth –
it helps prevent lifestyle disruption and future regret.

A Retirement Built on Confidence, Clarity & Control
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Our clients enjoy:

  • A lifestyle supported by reliable, thoughtfully structured income

  • Lower taxes where the rules allow, through intelligent distribution design

  • Portfolios built for both stability and long-term growth

  • Estate and legacy plans that reflect their values and family priorities

  • Financial peace and flexibility – without guesswork

  • A trusted guide to help navigate every chapter of retirement
     

You’ve worked hard to build wealth.
Now your wealth should work just as hard to support your best life.

See What a Lifestyle-Driven Retirement Plan Looks Like for You

A no-pressure, high-clarity conversation about aligning your income, taxes, and legacy with the life you want to live.

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7680 Goddard St., Suite 204
Colorado Springs, CO
80920

zach@springsadvisor.com

(719) 654-0008

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Investment Advisory Services offered through  Foundations Investment Advisors, LLC, a SEC Registered Investment Advisor. Imprimis Wealth and  Foundations Investment Advisors, LLC are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Insight Folios Colorado and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by  Foundations Investment Advisors, LLC.

Fee based financial planning and investment advisory services are offered by  Foundations Investment Advisors, LLC, a SEC Registered Investment Advisor.  Foundations Investment Advisors, LLC may only transact advisory business in those States in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Zachary Poitra is an Investment Adviser Representative of  Foundations Investment Advisors, LLC.  Foundations Investment Advisors, LLC is not an insurance agency and does not sell or offer insurance products. Imprimis Wealth may offer or sell insurance products to clients in its role as a licensed independent insurance agency.

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