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The Smiling Through
Retirement Process™

Through personal experience guiding both clients and family through retirement, we have learned that there are many pitfalls that can cause tremendous pain and regret in retirement, but also many opportunities that can lead to a fulfilling life. Our core belief is that you must live life NOW while you have your health… once it’s gone, it’s gone! Goodbye to traveling the world, hiking, taking the grand-kids to Disney; the list goes on and on. How do you maximize cash flow during your healthy years? The Smiling Through Retirement Process ™ was created to help those facing the many decisions in retirement develop a clear path to avoid the pitfalls of running out of money and live life to its fullest. Our process is designed to guide you and your family by answering these main concerns in retirement:

  • The Market is unpredictable and risky – How do I protect my life savings?
  • I don’t want to run out of money – How do I maximize my cash flow and income?
  • What do I do about healthcare including Medicare and Long-Term Care for myself and my spouse?
  • Taxes have a high probability of going up over the next 10-30 years – How can I become more tax efficient?
  • How will my family values and wealth be passed on the exact way I want them to?

REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW

MEET OUR FOUNDERS

Dan Ahmad

John Goodhue
CEO

John is a nationally recognized Financial Educator, SAPOer and Author, whom you may have seen as a guest many times on financial shows such as CNBC’s Squawk Box and Power Lunch. You may have also heard him as the premier financial guest on KHOW 630AM’s daily show, The Troubleshooter with Tom Martino. Goodhue has recently Co-authored his second book on advanced strategies to reduce income taxes and eliminate estate taxes. He is the creator of the Smiling Through Retirement™ Process and has been interviewed by Kevin Harrington, original Shark on the multi EMMY® Award winning TV series, Shark Tank, and by James Malinchak, featured on ABC TV’s Hit Series, Secret Millionaire. They also interviewed such notables as country music star Martina McBride and renowned economist Roger Ibbotson.

He has conducted over 400 presentations across the country on topics including Zero Tax Planning, Baby Boomer Retirement, The New World of Defined Benefit Plans, and Tax Smart Retirement Planning. Thousands of CPAs, attorneys and financial professionals and others have benefited from his instruction. His published articles include How Strong Are Your Financial Pillars and 5 Ways to Lower Stress & Anxiety in Retirement which have appeared in Fortune, Forbes, and CNNMoney, among others.

John advises wealthy individuals and families from coast to coast. His counsel and assistance has saved them millions in estate and income taxes. A Summa Cum Laude graduate of Eastern Kentucky University and the University of Kentucky College of Law, John and his wife, Mary, live in Denver with their eight children and grandchildren.

John is a warm and gifted communicator who has a passion for helping people think about their wealth from a new perspective… showing them how they can leave a legacy with not just their money, but also of their values and significant influence in their community.

Jim Files

Brian Gray
President

Brian is a nationally recognized Financial Educator, Author, SAPOer and Financial Planner, whom you may have seen in or on NBC, ABC, CBS, and FOX network affiliates and Fortune, Money, Bloomberg Business, Kiplinger, Wall Street Select, Market Watch, Denver Business Journal, Denver Post, Yahoo Finance and others. Also, you may have heard him as the premier financial guest on KHOW 630AM’s daily show The Troubleshooter with Tom Martino. Gray is the Co-Author of Smiling Through Retirement and Giving Transforms You published in 2018. He has been interviewed by Kevin Harrington, original Shark on the multi EMMY® Award winning TV series, Shark Tank, and by James Malinchak, featured on ABC TV’s Hit Series, Secret Millionaire. They also interviewed such notables as country music star Martina McBride and renowned economist Roger Ibbotson.

Brian enjoys spending quality time with his wife Ashley. They like to travel, learn about different cultures, play golf and scuba dive together. He strongly believes that everyone should complete their dreams within their bucket list window. Brian co-created The Smiling Through Retirement Process™. He is passionate about planning and sharing his financial wisdom and insights.

“It’s Time to Start Living, Begin Today”

LETS BEGIN TODAY!

MEET THE TEAM

financial advisor

Ray Stein
Advisor

If you’ve ever heard Ray’s APO Process ™ at any of the dozens of classes he teaches annually, you likely have heard a portion of the childhood events that shaped his life. His parents divorced when he was 4 years old and Ray was raised by a single parent who was plagued by drug and alcohol addiction. A broken family and financial hardship early in life created a drive in Ray to truly value what matters in life – family and helping others.

Today, Ray is a nationally recognized Advisor and Author whom you may have seen in NBC, ABC, CBS and FOX network affiliates and Bloomberg Business, Yahoo Finance, Investing Daily, Wall Street Select, Market Watch among others, however, if you ask Ray, his most proud accomplishments are his marriage to his high school sweetheart and becoming a father.

Ray is the Co-Author of Smiling Through Retirement™ : The Importance of Living Your Life in Five Year Increments and Co-Creator of The Smiling Through Retirement Process™. As an Advisor, Ray and the team at APO Financial Inc., show business owners, professionals and executives how to preserve, protect and pass on their wealth.

Ray co-created The Smiling Through Retirement Process™ out of his passion to help people more fully enjoy their hard-earned wealth. He knows through personal experience guiding both clients and family through retirement that there are many pitfalls that can cause tremendous pain and regret in retirement, but also many opportunities that can lead to fulfilling life.

A native of Colorado, Ray is an avid musician, skier and proud father. He attended the Leeds School of Business at the University of Colorado Boulder and graduated with a degree in Finance. Ray and his wife Arisa and their son enjoy spending time in the beautiful Colorado outdoors.

financial advisor

Christopher Tourscher
Advisor

Chris is a contributor to many of the nationally-recognized educators and authors at APO Financial, Inc. You may have seen him on NBC, ABC, CBS, and Fox network affiliates and Fortune, Money, Bloomberg Business, Wall Street Journal’s Market Watch, Denver Business Journal, and others. He is a retirement planning educator and speaker.

Chris and the team of advisors at APO Financial, Inc. work diligently to provide young business professionals and parents interested in finding ways to pay for college the way to do so while accumulating retirement savings using tax-free strategies.

Chris likes to spend time with his two children and five grandchildren. Being part of a large family while growing up, Chris understands empathy, integrity, dependability and supporting others. He uses these inherent traits to ensure his clients are receiving the best service for all of their retirement and financial needs.

financial advisor

Melissa Humphrey
Operations Manager

Melissa joined APO Financial in April 2016 and currently serves as the Operations Manager. Melissa oversees the day-to-day operations of APO Financial and enjoys fostering a culture that promotes customer focus and service, ethical practices, and encourages individual integrity. Melissa can be found seeking out new opportunities to service our clients’ needs and ensuring that APO Financial runs efficiently.

Melissa has more than 20 years of operations experience. Melissa has her Colorado Resident Producer’s license for Life, Accident and Health and is also a Kolbe™ Certified Consultant.

Melissa grew up on a small family farm outside of Brighton and enjoyed participating in 4-H and playing basketball in her younger years. Melissa now resides in Hudson with her husband, Nick and has two grown children Brandon and Brooke. Melissa and Nick also have a dog, “Bad” Jack, a chocolate lab. Melissa enjoys camping and spending time with her family and friends.

“It’s not hard to make decisions when you know what your values are.”

– Roy Disney

financial advisor

Ashley Gray
Marketing

Ashley joined APO Financial in November of 2015 and has over three decades of sales and marketing experience. Leading the Marketing Department, Ashley’s primary focus is the planning and management of all the company’s retirement, tax, and social security workshops, and special events. She also oversees all social media marketing and book campaigns.

Ashley has her Colorado Resident Producer’s license for Life, Accident, Health and Long-Term Care is studying for the Series 65 Exam.

Ashley lives with her husband, Brian and their two cats and two dogs. Captain Fancy Pants, Kitten Little, Charlie Barker, and Treo. In her spare time, Ashley loves to golf, travel, scuba dive, cook, garden and play in her art studio.

“The greater danger for most of us is not that our aim is too high and we miss it, but that it is too low and we reach it.”

– Michelangelo

financial advisor

Caitlin Stockham
Paraplanner

Caitlin joined APO Financial in August of 2014. Caitlin is a driven individual, earning her way from serving as the firm’s receptionist and appointment scheduler to her current position as the firm’s primary financial paraplanner, helping the firm’s financial advisors’ design retirement plans for all the firm’s clients.

She successfully obtained a Colorado Life Insurance license in 2018 and is working toward obtaining her Series 65 Securities Certificate. Caitlin has begun the firm’s financial advisor training program and is on the path to becoming the firm’s newest financial advisor in 2019.

Caitlin has lived in Colorado for 10 years and currently lives in Lochbuie, Colorado with her husband Matt, their 10-year-old daughter Kya and their Black Lab, Boomer and Akita, Moose. She is from Kentucky and is an avid (you might say rabid) UK basketball fanatic. Caitlin takes advantage of many of the great outdoor opportunities that living in beautiful Colorado offer. She especially enjoys snowboarding, camping and four wheeling.

Caitlin is a true people person. She is an engaging, funny and caring person. Her real passion and motivation are helping people. Over the years she has seen first-hand how the firm’s financial advisors have positively impacted their clients’ lives. That is why she decided to dedicate herself to becoming a financial advisor.

Amanda Chavez
Office Manager

Amanda joined APO Financial in May 2019 and with her she brought over 10 years of experience in professional Office Executive, Human Resources & Management positions. With a track record of strong performance in high-volume, high-pressure environments, Amanda skillfully manages administrative roles and client relations for her colleagues at APO Financial.

As an Office Manager, Amanda ensures the smooth procedures of the office with her vigorous knowledge of office management and efficient handling of client inquiry consultations, and timely access as required. Amanda works closely with the Operations Manager to provide support to the Advisors, and the rest of the team in fulfilling their ongoing professional development, as well as implementation of new procedures, tracking through the CRM database, and seminar preparation. Amanda is continuously looking and finding new ways to make the company run more efficiently.

Amanda is a Colorado native with a love for the Broncos, an admiration for the Rockies and a liking for the Avs. Amanda spends most of her time with her other half Mike and their six children, enjoying each other’s company and the many qualities Colorado has to offer.

“The only limit to our realization of tomorrow will be our doubts of today” -Franklin D. Roosevelt

financial advisor

Kimme Seufert
Marketing Assistant

Kimme joined APO in September of 2017. She is the Marketing Assistant with focus on developing content for APO’s YouTube channel, but also assists with clerical duties in our Westminster office.

During her time away from work, Kimme enjoys cooking and being with her family.

“Don’t Worry, Be Happy”
-Bobby McFerrin