John Goodhue earned a law degree from the University of Kentucky in 1982 and has been helping people protect and secure their lives ever since. John’s father, a truck driver, retired early at 62 and elected to receive as much money as he could from his union retirement plan. He took the highest payment option, which also left his mother with no survivorship benefits if his dad died early.
Everything was going fine in his parents’ retirement until his dad was diagnosed with terminal cancer and died at 69. John watched as his mom simultaneously lost her life partner of more than 50 years, and the majority of her retirement income, as she lost his father’s pension and her own Social Security check. If not for John and his brother, John doesn’t know how his mother would have supported herself. As a result, John has committed himself to help as many people as possible create a retirement strategy that will help keep them from worrying about their future in retirement.
Raised in Kentucky, John has lived in Colorado for 20 years, and is currently living in Longmont. He and his wife, Mary, have a large blended family with nine kids. John is an avid golfer and a huge University of Kentucky Wildcat basketball, Denver Broncos, and Colorado Avalanche fan. He has kids that go to both CU and CSU, so he roots for both.
John holds a Series 65 securities license and is registered as an Investment Adviser Representative through Horter Investment Management, an SEC Registered Investment Adviser located in Cincinnati, Ohio. He also holds his life insurance and property and casualty insurance licenses in Colorado.
Brian Gray earned his finance degree from the University of California in Fullerton in 1995 and spent 24 years in the commercial lending arena, prior to embarking on his quest to help people properly plan and live happy, full retirements. His motivation to enter this profession was a result of two events in his life.
The first was watching his father return to work after his investments dropped more than 50 percent during the tech downfall of 2000. His father retired early at the age of 55, late in 1999, and was living on his assets as he was waiting until age 62 to take Social Security to replace the income from his job. Brian watched as his father was forced to reenter the workforce at age 58 with a lower position because his assets had dropped to a point that wouldn’t support his lifestyle for his and his mother’s life expectancies. His father then re-retired at age 62 in 2006 after the market recovered.
The second event occurred just a year later — the market experienced another 50 percent pullback from October 2007 to March of 2009. These two events shaped his beliefs that there had to be a better way to invest with lower risk to grow and maintain a person’s assets for retirement.
Brian holds a Series 65 securities license and is registered as an Investment Adviser Representative through Horter Investment Management, an SEC Registered Investment Adviser located in Cincinnati, Ohio. He also holds his life insurance and property and casualty insurance licenses in Colorado.
Brian has called Colorado home for 12 years. He enjoys playing golf, watching the Broncos and is an avid Los Angeles Angels baseball fan. His other interests are travel, hockey, hiking, biking, and spending quality time with family and friends. Brian is a member of the Boulder Interagency Network, which meets monthly to discuss the needs and programs available to Boulder County seniors and people having aging issues.
FIDUCIARY FINANCIAL ADVISOR
Ray enjoys teaching various investing courses at CU Boulder, Regus Campus Denver and Front Range College. So many people don’t understand their true options for growing their wealth and reaching their goals for income and retirement. The rules of the past are not necessarily the best rules to use moving forward, and understanding today’s market environment and risks are important to creating a solid plan for retirement.
Ray earned his Finance degree from the University of Colorado in 2010. He holds a Series 65 securities license and is registered as an Investment Advisor Representative through Horter Investment Management, an SEC Registered Investment Advisor located in Cincinnati, Ohio. He also holds his life and health insurance licenses in Colorado.
Ray Stein is a Colorado native, born in Boulder and raised throughout the state. He currently resides with his wife and rescue dog in Denver and enjoys all Colorado has to offer. Ray is an avid runner, snowboarder, and musician, and enjoys donating his time to various charities throughout Colorado.