We work with smart people who have money but lack the time or inclination to analyze the dizzying array of investment choices out there. With our combined degrees in Finance and Human Behavior, we essentially provide “Investment Therapy,” unearthing spots of potential weakness in portfolios and identifying what mix brings the most peace of mind.
We offer solutions based on unbiased analysis, and our extensive access to both insured and uninsured investments. We work best with folks interested in an ongoing and open relationship based on mutual trust. Our small firm offers a down to earth style with committed service, and mighty access and back up through our clearing firm, TD Ameritrade.
For expert investment advice with a personal touch,
contact us today at 303-463-0436.
About Brian Havermann, CFP
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”
Brian first became interested in finance when he learned in a high school class that if one saved just $2000 a year, he or she could have $1,000,000 by retirement age. Growing up 5th in a family of 10 on the single income of his father who was in construction, this was an eye opener. Brian realized that while a sense of financial freedom seemed unattainable in childhood, with simple slow and steady steps, he could change his future. He decided he wanted to do this and help others to do the same. Having a baby face was a challenge when working with older clients, but he persevered and at his first jobs he regularly won awards for productivity, ranking as a top agent.
Brian is known for his unbiased analytic skills. In fact, he is so objective that his own family thinks he is a Democrat, but his in laws think he is a Republican! Given the human propensity to buy high and sell low, this is a skill that can make all the difference in growing your assets and developing stress-free financial plans.
Brian graduated from Regis University in 1990 with degrees in finance and math, and immediately followed up obtaining his insurance license and Series 6.
In 1998, he earned his Certified Financial Planner designation as well as his Series 7. In 2000, he incorporated Havermann Financial Services and in 2010, HFS was registered as a Registered Investment Advisory Firm (RIA).
Brian uses a plethora of tools and knowledge to help clients identify their risk tolerance, evaluate their social security options, understand their retirement income needs and avoid unnecessary tax implications of investing. He researches the markets extensively and personally trades accounts himself allowing him the agility to make moves quickly when necessary in attempts to avoid massive market downturns as he did in 2008.
On the personal side, Brian has been playing softball for as long as he has managed money, and has quite an accomplished recreational career. Despite his advancing age he is clinging to the “young guys” league and is for now still able to give them a run for their money. When he is not thinking about stocks or softball, he can often be found shooting hoops outside with his older boys or teaching his 5 year old how to fix things around the house (the very things the teenagers can no longer be bothered with, or very likely broke themselves).
About Abby Havermann, MSW
“A Journey of a thousand miles must begin with a single step.” – Lao Tzu
At 12 years old, Abby twisted a few arms to be hired at McDonald’s (the legal age at the time was 13) and began to save money. She loved watching her bank account swell and the freedom it provided her to buy herself a car at 15, much to her mother’s chagrin. Although she couldn’t yet drive, her sister could and the car allowed both of them the independence every teenager craves.
Despite her financial savvy, Abby’s natural skill set and desire to contribute to a larger good, led her to a Masters program in Social Work, rather than applying for the Master’s in Business with which she also toyed. Over the next 15 years post grad school Abby worked in a number of settings and ultimately went into business for herself opening a private practice in downtown Denver. Among other things, she helped couples navigate their relationships – not only with each other, but with money as well.
Shortly after Brian and Abby met, they decided to join forces in life and in business and in 2007 Abby earned her Series 7 and began working at Havermann Financial. She finds great satisfaction helping clients identify their financial concerns and what investments will serve to best help them sleep at night. She is a social worker at heart and as such she relishes being the support team allowing Brian time for research and analysis. Clients quickly learn she is the go-to person in the firm when they need something, and she is also used substantially to translate Brian’s technical language into English when necessary.
When not working she is busy keeping track of the family’s schedule, attending her 13 year olds baseball games, and trying to come up with acceptable answers to her 5 year olds many questions in life. In the rare moments she has to herself, if not at the gym, she might be found hiding with her computer in a remote corner of a Starbucks, writing.