Voted Best of Financial Planner in Colorado Springs

At EJC Insurance & Financial, we pride ourselves on offering unparalleled financial planning services to our valued clients throughout the beautiful state of Colorado, including our home cities of Colorado Springs and Denver. By focusing on our local clientele, we ensure personalized attention and customized solutions tailored to your needs.

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Holistic Financial Planning

Understanding that each client's financial situation is unique, we delve deep into the specifics to craft a comprehensive financial plan that helps your family reach their financial goals. Our expertise encompasses a broad range of asset categories, including:



As a component of your investment portfolio, stocks offer potential for long-term growth and can enhance your retirement savings, though they carry a higher risk than some other investments, making life insurance a vital safeguard.



Bonds can provide regular income and are typically less volatile than stocks, complementing your retirement strategy, but as they still carry risk, life insurance ensures your loved ones' financial stability.



While cash offers liquidity and safety, its low returns might not keep pace with inflation; your life insurance policy provides a safety net, making sure your retirement savings aren't depleted due to unexpected circumstances.



Alternative investments like real estate or commodities can diversify your portfolio, potentially bolstering your retirement assets; pairing them with life insurance adds an extra layer of financial security.



A vital component in managing financial risks, insurance policies (be it life, health, auto, or long-term care) provide coverage against substantial losses, ensuring that your retirement savings are protected from unexpected events.



Annuities are a form of insurance product that can provide you a consistent income stream during retirement, while a life insurance policy offers a death benefit to help protect your family's financial stability.

building a diversified portfolio

Asset Allocation & Diversification

Our first step in creating a robust financial plan involves identifying a diverse set of asset classes that will serve as the building blocks for your investment portfolio. We assess each asset class based on various factors, such as:

Capital appreciation potential
Income generation capability
Correlation with other asset classes (for diversification purposes)
Inflation Protection
Maximizing Returns: The Power of Combining Assets

Retirement Income Strategies

There are various retirement income strategies to consider, such as:

Understanding when to claim benefits
Coordinating Spousal Benefits
Minimizing Taxes on Benefits
Choosing between lump-sum payouts and annuities
Navigating survivor benefits
Understanding cost-of-living adjustments
Immediate vs. deferred annuities
Fixed vs. variable annuities
Maximizing tax-deferred growth
Diversifying assets
Managing risk
Implementing tax-efficient strategies

In-Depth Overview of Financial Planning with EJC

Financial planning is a systematic process that enables individuals and businesses to achieve their financial goals by strategically allocating their resources. A well-structured financial plan comprises several key components, which are discussed in the sections below:

Setting Financial Goals


The foundation of any successful financial plan lies in defining clear, realistic, and measurable financial objectives. These goals can range from short-term objectives, such as saving for a vacation, to long-term aspirations, such as retirement planning or funding a child's education.

Assessing Your Financial Situation


A comprehensive evaluation of your current financial position is essential in determining the most suitable strategies to achieve your goals. This assessment includes examining your income, expenses, assets, liabilities, and net worth. An in-depth understanding of your financial standing will help identify areas that need improvement and opportunities for growth.

Creating a Budget


Developing a budget is a crucial step in financial planning, as it enables you to manage your cash flow effectively. By monitoring your income and expenses, you can identify areas of overspending, prioritize your financial goals, and allocate your resources efficiently.

Establishing an Emergency Fund


An emergency fund is a financial safety net designed to cover unexpected expenses or loss of income. Building an emergency fund is an essential component of a comprehensive financial plan, as it helps safeguard your financial stability during unforeseen circumstances.

Risk Management and Insurance Planning


Managing risk is a vital aspect of financial planning. Ensuring you have the right insurance policies in place can help protect your assets, income, and loved ones from unforeseen events. Adequate insurance coverage, including life, health, disability, and property insurance, can alleviate financial stress and provide peace of mind.

Investment Planning


Creating a diversified investment portfolio is crucial to achieving your financial objectives. By investing in various asset classes, such as stocks, bonds, cash, and alternatives, you can optimize your returns while minimizing risk. A well-balanced investment strategy should align with your risk tolerance, time horizon, and financial goals.

Tax Planning


Effective tax planning can help you reduce your tax liability and maximize your after-tax income. By understanding the tax implications of various investment strategies and utilizing tax-advantaged accounts, you can make informed decisions that positively impact your financial situation.

Retirement Planning


Preparing for retirement is a critical aspect of financial planning. By assessing your retirement needs, setting realistic goals, and implementing a savings and investment strategy, you can ensure a comfortable and financially secure retirement.

Estate Planning


Estate planning involves the preservation and distribution of your assets upon your death. A comprehensive estate plan can ensure your wealth is transferred to your beneficiaries in a tax-efficient manner, reduce the likelihood of disputes, and provide for your loved ones.

Periodic Review & Adjustment


Financial planning is an ongoing process that requires regular monitoring and adjustments to ensure your plan remains aligned with your goals and circumstances. Life events such as marriage, having children, career changes, or market fluctuations can impact your financial situation. Periodic reviews of your financial plan allow you to make necessary changes, stay on track, and adapt to evolving circumstances.

Working with a Financial Planner


Collaborating with a qualified financial planner can greatly enhance your financial planning process. Professional financial planners possess the expertise and knowledge to help you make informed decisions, develop sound strategies, and navigate the ever-changing financial landscape. By working with EJC Insurance & Financial, you gain access to personalized advice, tailored solutions, and unwavering support.

100% Satisfaction Guaranteed

Our clients have only the best things to say about our firm. Here are just a few of their words.


Jessica Heddins

If there ever where a company and people to go above and beyond their job it’s the EJC team! The amount of information and eagerness to uphold the quality of customer service this gal has is truly remarkable!


LM Miller

The EJC team are such a wonderful group of people! I have felt like part of the family immediately upon contacting them and they also had lower rates than anyone else when I shopped around! Overall, they offer better value and the BEST customer service!! You can’t beat that!!


Lorraine Amos

Heather Fix and Rob Edgin with Edgin Insurance is absolutely one of the best companies I have ever worked with.  They are truly professional and extremely good at what they do.  Edgin Insurance handles all my properties and cars to include Financial advise.  I would recommend them to anyone!


Betty Fix

I have had ALL my insurance with Edgin for a long time.  They have always done a great job. Heather Fix is a professional and will not sell you something you don’t need.  She will work hard for you to get the best coverage for the best price.  If you need any kind of insurance call Heather Fix she will take good care of you.


Travis Froehlich

Edgin Financial and Insurance is amazing, especially Lisa!  Being a realtor, it's nice to have multiple vendors to refer to my clients for products and services.  The Edgin has never let me down with quick and clear communication to my clients.  And everyone I have referred that have spoken with Lisa have nothing but great things to say.


Tiffany & Antoinne Glover

The only reason we gave them a 5 Star was because there wasn’t a 10 to choose from. Their products are top notch not to mention their incredible service. Heather is an amazing addition to this fantastic company. Highly recommend.


Nick Kout

Tanisha has taken care of all of my insurance needs for 10years. Her accuracy and attention to detail is second to none. I have many classic cars, regular cars , recreational vehicles,  home, life , and no matter the amount of changes she and Robert always do what’s best for me!!!! Great company, great people!!!!


Ayana Hinton

Kaysia was the most helpful person in walking me through the steps of what I needed to do to get into my first house insurance wise. I had a million questions and she answered them all throughly and really calmed my nerves about the whole process. Definitely recommend this institution for anyone looking to get insurance!!


Mitchell McCombs

Kaysia was great! We went over all the possible scenarios for getting car insurance + homeowners insurance. Their homeowner may insurance is very strong and it’s something that I will revisit in the future. Unfortunately I went elsewhere just because of my current circumstances, but I would recommend them to anyone inquiring about insurance! It was a very pleasant meeting and their response time is very very good!

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Holistic wealth management services.

Financial Planning
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Are you sure you won’t outlive your income in retirement?

Insurance Planning
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Are you planning for your children’s future?

Lifestyle Planning
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We're not sales people. We're advisors. Here to educate, inform and advise you.

At EJC Insurance & Financial, we are dedicated to providing our clients in Colorado Springs and Denver, Colorado, with comprehensive financial planning services. By understanding your unique needs and goals, we strive to create customized strategies that maximize your financial potential.

Our holistic approach to financial planning ensures that every aspect of your financial life is carefully considered and optimized for success. Partner with us, and let our expertise guide you toward financial stability and prosperity.

Ready to get started?

Financial success and peace of mind is not unattainable.

With the proper guidance from our of team of financial and insurance experts, you'll be able to set out a plan that works for you and your family.

Financial Planning to outline your goals, ambitions, and most importantly, prepare for your future.
Retirement Planning where we design a plan that helps you create an income you can't outlive.
Auto, home and life insurance analysis and recommendations for the best combination of coverage and price.
Investment management and portfolio analysis to get the most out of your investments without unnecessary risk.