Denver Financial Advisors
Pat Alfano, CPFA® &
Craig Arfsten CFP®, CPA®, PFS™

What if you could simplify your entire financial life? What if your finances just made sense? What if you had an expert who could address all your financial questions? What if you had a plan to pursue your financial goals? We’ve developed a new approach to helping manage your financial life that cuts through the clutter and just makes sense.

-Welcome to The ClearView Process, Your Tomorrow Starts Today-

Financial Advice from
Pat Alfano & Craig Arfsten

Capitol Building

What Are You Doing on November 4th?

Election Day, Tuesday November 3rd, is only a week away. While 2020 has been historic, it seems that everyone has a dramatic expectation of what will happen in the investment markets, as if it will be the "next" big 2020 disruption. This morning…
A woman expressing anxiety on the phone
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Anxiety and Investing: Taking the Fear Out of Finances

The chances that either you, a loved one, or a friend have had an incident with, or an ongoing relationship with heightened anxiety are likely. Almost 20 percent of the population expresses some sort of anxiety disorder in a lifetime. It comes…
Pat Alfano

An Open Letter to Employers

There is a national debate right now on how to make 401k plans more effective for retirement plan participants. The question isn’t “how do we supply the workforce with access to retirement savings vehicles?”, but rather “Why are so few employees taking advantage of these important benefit offerings?” In the end, it’s about a lack of familiarity and trust.
Pat Alfano and Dave Anderson

A Retirement Plan Sponsor is Like the Pilot In Command of An Aircraft

The responsibility of being a retirement plan sponsor is like the responsibility of flying a group of passengers from one location to another. Are you and your team operating like a “pilot in command?”
Pat Alfano

How Dividend-Paying Stocks Are Like Tenants

In real estate, people tend to invest for rental income today and the possibility for more an increased price tomorrow. But in the stock market, I've found that many investors focus on price and ignore the long-term potential of dividends. They're taught to buy low and sell high—and they forget about the income opportunity between those two points.
Advice for Empty Nesters

My Advice for New Empty Nesters

Empty nesters respond to this life change in a few different ways, many of which we see in our office first hand. Many parents, especially mothers, become depressed, sad or lonely.
5 Steps to Retiring

Thinking about Retiring? 5 Steps to Get Started

https://www.youtube.com/watch?v=jZTZ8ArcSb8 So you're thinking about retiring. That's a big decision. There is a good chance you'll be retired for as long as you worked. Think about that – 20 to 30 years - that's a long time to be without…
Control Your Finances

How to Control Your Finances When the Sky is Falling

https://www.youtube.com/watch?v=JcHxWIjJsFc As the Dow reaches another all time high it seems like a good time to reflect on the past 12 years. Think about it: five years ago we thought the world was going to end. Today, we have recovered from…
Control Your Finances
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Debt Ceiling 101

Here we go again! We just avoided the fiscal cliff and now we’re headed for the debt ceiling. Misinformation and half-truths are the headlines of the day as the political rhetoric rises. So in this Prosper On I want to set the record straight.
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