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
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.
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, 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.
“It’s Time to Start Living, Begin Today”
MEET THE TEAM
Ray Stein
Advisor
If you’ve ever heard Ray sAPO 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.
Christopher Tourscher
Advisor
Chris is contributor to many of the nationally-recognized Educators, Authors and SAPOers at APO Financial, Inc., whom you may have seen 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 SAPOer.
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.
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.
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.
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