Timely Campaign-EventType at Active Adult Center in Wheat Ridge, CO

Women & Wealth

Planning for the Unique Challenges Women Face in Retirement

Event Details

Active Adult Center
6363 W 35th Ave
Wheat Ridge, CO 80033

Event Options:

– Thursday, April 30 at 6:00 p.m.

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Seating is limited. There is no charge to attend!

Women often face unique and challenging obstacles in retirement, particularly overcoming the retirement income gap. Join us for a special presentation at Active Adult Center while we discuss important financial topics for women in or nearing retirement.

What we’ll cover:

  • How shifting economic and life expectancy trends are reshaping retirement planning for women in 2026.
  • How to help overcome the unique and significant challenges that women often face in retirement.
  • How to help make the most of what you’ve made and navigate your retirement income accounts including 401(k)s, 403(b)s, IRAs, TSPs, etc.
  • How to potentially maximize Social Security income and take advantage of spousal benefits.
  • Powerful strategies that may help you reduce the taxes you pay in retirement.
  • Planning for longevity, inflation and future tax increases to help ensure you won’t OUTLIVE your money in retirement.
  • Understanding potential risks and costly mistakes that may derail your retirement and how you may be able to avoid them.
  • And much more!

Privacy Policy: By providing your email, phone number, and selecting "Yes" for text message reminders, you are consenting to receive communication from Your Retirement Reality. All information provided is secure and confidential. Please provide valid email and phone number for seminar confirmation purposes. Seating is limited. There is no charge to attend!

Do you have a retirement income strategy in place?
Don’t miss this information-packed event!

Days
Hours
Minutes
Seconds
Why attend?

This presentation combines two empowering elements:

Professional Insight

Live instruction from knowledgeable financial professionals in an engaging, easy-to-understand format.

Actionable Next Steps

An opportunity to receive a no-cost retirement snapshot analysis for your current strategy.

Let’s face it: women and men are different in so many ways! Income in retirement can be different too.

 

More than 80% of Americans are worried they won’t have enough money for retirement¹ and over 78 million Baby Boomers are set to retire in the next decade. In addition, women may face unique retirement challenges that men do not:

  • Women are typically paid less over their lifetime.
  • Women are living longer than men on average, meaning their retirement income needs to last longer.
  • Women have a higher likelihood of living alone in retirement².
  • Women have a tendency to invest more conservatively compared to men, which can lead to less growth of their retirement assets over their lifetime³.

It’s important to know about these challenges, and create a plan to combat them, so you can reach your retirement income goals.

Meet Your Host

Joe Harl, Partner & Lead Financial Advisor, The Guardian Group
Growing up in Western Oklahoma, I was surrounded by the Oil & Gas industry, a field that shaped my career and my understanding of resilience, adaptability, and the power of preparation. After attending Southwestern State University, I spent over 20 years in the industry, advancing from a Wireline Engineer to LWD Engineer, Service Coordinator, and ultimately Operations Manager, where I led a team of over 300 engineers. Each role reinforced my belief in the importance of trust, strong leadership, and financial security. Through my years in Oil & Gas, I’ve seen firsthand how quickly circumstances can change. The volatility of the industry taught me that having a solid financial plan isn’t just important—it’s essential. That’s why I’m passionate about helping individuals and families create a financial strategy that gives them more stability, more options, and more confidence—no matter what’s ahead.For me, relationships matter most. Over the years, I’ve built meaningful connections with people navigating career transitions, layoffs, and financial uncertainty. Whether you’re just starting out, preparing for retirement, or somewhere in between, I’m committed to helping you take control of your financial future so you can focus on what matters most.In early 2020, my wife, Tyler, and I made the move to Denver, Colorado, and immediately knew we had found home. When I’m not working with clients to help them realize their financial potential, you can find me on the golf course, traveling, or exploring everything Colorado has to offer—from mountain getaways to local breweries.
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¹ http://www.fool.com/retirement/general/2016/01/26/20-retirement-stats-that-will-blow-you-away.aspx

² https://www.pewresearch.org/fact-tank/2020/03/10/older-people-are-more-likely-to-live-alone-in-the-u-s-than-elsewhere-in-the-world/
³ https://www.fool.com/research/women-in-investing-research/

Advisory Services offered through CreativeOne Wealth, LLC a Registered Investment Adviser. The Guardian Group and Your Retirement Reality and CreativeOne Wealth, LLC are not affiliated. Licensed Insurance Professional.

Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

Investing involves risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. We are not affiliated with any government agency.

 

The information contained herein is based on our understanding of current tax law. The tax and legislative information may be subject to change and different interpretations. This presentation is for informational purposes only and is not intended to be financial, legal or tax advice. We recommend that you seek professional legal advice for applicability to your personal situation.

 

By providing your information and/or attending this event, you give consent to be contacted about a discussion of life insurance and annuities or a possible advisory relationship. Attend and learn how insurance or investment products can be used in various stages of retirement planning.

 

The presenter can provide information, but not specific advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.