Rocky Mountain Wealth Advisors

Rocky Mountain Wealth Advisors Your partners for retirement planning, investment management, & alternative investments

At Patterson Financial Solutions have a commitment to excellence in everything we do.

A lot of families set up a trust and feel like they've got everything handled. But if the home, the bank accounts, and t...
06/16/2026

A lot of families set up a trust and feel like they've got everything handled. But if the home, the bank accounts, and the investment accounts were never retitled into the trust's name, the trust doesn't actually control them. It exists on paper — and does nothing when it's needed most. This is one of the most common estate planning gaps I see, and most people have no idea until it's too late to fix it. My latest newsletter breaks down this issue, plus two others, with plain-language explanations of what to do differently. 👉Read it here

Adding a child to the deed? Read this.

There's a stretch of time — roughly 5 to 10 years before and after retirement — where the financial decisions you make c...
06/11/2026

There's a stretch of time — roughly 5 to 10 years before and after retirement — where the financial decisions you make carry more weight than almost any other period in your life. During this window: ✅ Withdrawal order can make or break your tax situation ✅ A portfolio that drifts without rebalancing can quietly increase your risk ✅ Beneficiary designations that haven't been updated can override your entire estate plan Most people don't realize how quickly these windows close. If you're in (or approaching) this phase, I'd love to offer you a complimentary 1-on-1 portfolio review. We'll look at where you stand today and talk through what, if anything, deserves a closer look. No sales pitch. Just an honest conversation.

The years around retirement are when alignment matters.

Quick question: Do you know who's actually listed as the beneficiary on your retirement accounts right now? Not who you ...
06/09/2026

Quick question: Do you know who's actually listed as the beneficiary on your retirement accounts right now? Not who you want it to be. Who's actually on the form. If it's been more than a few years — or you've been through a marriage, divorce, or the birth of a child — there's a real chance that form no longer reflects what you'd want. And here's the part that catches people off guard: that form can override your will entirely. My latest newsletter covers this and two other estate planning moves worth a second look.

It's a system that needs to connect.

Most people have no idea what they're actually paying in their investment accounts. Not because they're not paying atten...
06/04/2026

Most people have no idea what they're actually paying in their investment accounts. Not because they're not paying attention — but because fees are buried in fractions of a percent, deducted automatically, and rarely discussed. Here's the thing: the average fund expense ratio has dropped significantly over the last two decades. If your portfolio hasn't been reviewed recently, there's a real chance you're still paying yesterday's prices. On a $500,000 portfolio, even half a percent adds up to roughly $2,500 a year. Before compounding. If you'd like a second set of eyes on your current lineup — no pressure, no pitch — I'm happy to set aside 30 minutes for a complimentary portfolio review. We'll look at fees, allocation, withdrawal strategy, and more. 📅 Click the link to see the checklist and to book a time that works for you.

Expense ratios have dropped a lot since 2005.

Your mom added you to the deed to make things easier when she's gone. It felt like a gift. But here's what most families...
06/02/2026

Your mom added you to the deed to make things easier when she's gone. It felt like a gift. But here's what most families don't realize: that one decision could hand you a massive capital gains tax bill — on decades of appreciation — that passing the home through a will would have avoided entirely. Good intentions. Real consequences. I put together a short newsletter breaking down this and two other estate planning moves that quietly backfire. Worth 5 minutes of your time — especially if your parents have done any of these. Read about them here!

A forgotten form can override your will.

What do you do when you see volatility in the markets? Do you check your bank account? Do you sit on the sidelines hopin...
05/28/2026

What do you do when you see volatility in the markets? Do you check your bank account? Do you sit on the sidelines hoping things calm down before making a move? There's nothing wrong with patience. But patience and positioning are two different things. Volatility opens specific windows — for liquidity deployment and for portfolio adjustments that are harder to make in calmer markets. If you've got $250K or more invested, our free guide breaks down what those windows look like and how to think about them practically. It's a 10-minute read. The thinking can last a lot longer. 👉 Download the free guide and book your complimentary 1-on-1 portfolio analysis here.

3 Hidden Opportunities & 2 Costly Mistakes

Nobody in 1928 knew what was coming. The Great Depression. World War II. Oil shocks. Recessions. Decades of uncertainty....
05/26/2026

Nobody in 1928 knew what was coming. The Great Depression. World War II. Oil shocks. Recessions. Decades of uncertainty. And yet — investors who stayed disciplined through all of it turned $100 into nearly $1.2 million. Not because they timed the market perfectly. Because they didn't try to. Time in the market consistently beats timing the market. This month's newsletter shows you exactly why — in plain language, with nearly 100 years of evidence. 👉 Check it out here

See what a century of investing history shows.

When markets get chaotic, do you feel genuinely confident your portfolio is positioned to handle it — or are you mostly ...
05/21/2026

When markets get chaotic, do you feel genuinely confident your portfolio is positioned to handle it — or are you mostly trusting that your current strategy will hold? There's a real difference between a portfolio built to survive volatility and one structured to navigate it with intention. It comes down to how it's structured, how liquidity is managed, and whether you're taking advantage of tax strategies that often get overlooked. If you have $250K or more invested and there's any uncertainty in your answer, it's worth a conversation. We're offering complimentary 1-on-1 portfolio review sessions — no obligation, no pressure. Just an honest look at where you stand and what, if anything, might be worth addressing. We've also put together a free guide on the specific strategies we're talking about. Download it, read it, and if it resonates, let's connect. 👉 Grab the free guide and book your session here.

Discover what the ultra rich do in chaotic times.

Comfort feels responsible. Especially when markets are uncertain. But here's the hard truth: the investment choice that ...
05/19/2026

Comfort feels responsible. Especially when markets are uncertain. But here's the hard truth: the investment choice that felt safest in 1928 ended up losing ground every single decade that followed. Not because it lost money — but because inflation quietly eroded everything it gained. The choices that required patience and discipline told a very different story. If you've ever been tempted to sit on the sidelines, this is worth a few minutes of your time. 👉 Read this month's Visual Insights Newsletter

History shows why comfort can come at a cost.

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1230 W Ash Street Ste. C
Windsor, CO
80550

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