We Believe In Safety First!

We will evaluate your needs, offer you potential solutions and create a plan.

Your financial future doesn't have to be complicated! 

Safe Money Retirement Playbook™

Step 1. Safety First

Step 2.  Growth & Guaranteed Cash Flow Plan

Step 3. Social Security Maximization

Step 4. Hybrid Long Term Care

Step 5. Tax Planning Strategies

Step 6. Legacy Planning

As Fiduciaries we are obligated to act in our clients best interests, putting our clients needs ahead of our own and must act in good faith and honesty on behalf of them. 

How Our Clients Feel About Us

   "My Financial Advisor, Lance Ortiz is the best! I attended one of his seminars which was very educational. I set up an appointment with him. I eventually started moving some of my money into some of the index annuities that he suggested. I am so happy I did that. Lance does an excellent job explaining the products and he is very knowledgeable about the financial markets. He is very thorough and very trustworthy. It’s been a blessing that I met Lance and doing business with Colorado Retirement Specialists. I give him an A+! I have moved most of my money into these products and my girlfriend has done the same. Thank you Lance for your outstanding service."

   Cliff B. - Denver, CO

 "Since we were approaching retirement age, we attended one of the Colorado Retirement’s free educational meetings, it was headed up by Lance Ortiz, President of the company. We were not only impressed with the presentation but also with Lance’s knowledge and how genuine he was in conveying his interest in helping everyone in the room that wanted it, no pressure. We followed up with a free face-to-face consultation providing him with our particular circumstances and leaving the meeting with a wealth of information and options to ponder and decide what would work best for our future needs.  We took the time we needed, again with no pressure, to review and discuss our options between ourselves, reaching out to Lance personally with questions that were promptly answered, which helped us in making our decision.  Once we decided how we wished to proceed, we again made contact with Lance to set our plan in motion.  Our final meeting with Lance was to get all the appropriate paperwork and information associated with our new retirement accounts and we left feeling secure in our future.  Colorado Retirement Specialists are professional, knowledgeable, trustworthy and truly interested and committed to helping secure your individual retirement goals". 

  Tom and Teresa - Boulder, CO

   "Having the opportunity to work with you and your company has been a great experience. Lance and his team are the best to work with, any question will be answered in a timely manner and they display such confidence and experience that you know you're in good hands. I can't say enough about how helpful Lance and his team has been for me except to say thank you from the bottom of my heart and bless you all. All the best to you and your team!

   Danette V. - Lakewood, CO

    "I have been working with the team at Colorado Retirement Specialists for about four and a half years now.  When I retired from a government job I was at a loss as to where to put my money to earn a little while keeping it safe.  Working with Mr. Ortiz has been a true pleasure.  He treats his clients as family and makes sure that you understand where your money is being invested and can best address your personal goals.  This has been an excellent move for my circumstances and he has many different solutions for a variety of other situations.  I have been so happy with the professionalism, expertise and individual treatment, that my wife has begun moving money into one of their products. Their understanding and care of your money/situation seems to be more important to them than them making a buck off of you, which is not what I experienced when evaluating other options and companies.  If you are looking for someone that you can trust will not fly the coop with your hard earned life savings, I would strongly suggest using Colorado Retirement Specialists."

   Ron & Phyllis H. - Lone Tree, CO

   "Lance, I just wanted to drop you a note to say thanks for your help with my retirement planning. With your help my retirement account is now making money instead of just sitting. And you are now helping my sister and her husband."

Thanks so much!

   Joe A. - Denver, CO

 "Lance is a warm and knowledgeable professional. He is available for any questions we have and has been an incredible source for helping us plan for the future. 
Whenever we meet with him we always leave feeling secure and confident in our financial decisions. 
We highly recommend his excellent service.
Hope you are well and enjoying some golf and sunshine (finally!)😎
Kind regards"

   Marnee & Chuck - Denver, CO

 "Sarah and I attended one of Mr. Ortiz’s free educational meetings and were impressed with his positive energy and straight forward presentation. We followed up with a face-to-face consultation with him where we learned more about the importance of financial planning, the good and the scary, for later years in life. His professionalism helped build our trust in his recommendations. The information he provided using our financial goals and means, combined with examples of “how it works”, gave us peace of mind knowing we have further diversified our proverbial nest eggs in a responsible manner. Give him a call! You’ll be glad you did". 

  Richard & Sarah P. - Denver, CO

 Colorado Retirement Specialists on Great Day Colorado

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Social Security Maximization

Social Security Maximization

It's important to know how to maximize and best plan your Social Security benefit.

We are experts and here to help. 

Take advantage of our live or web based workshops on Social Security and Retirement Income Planning.



Lance Ortiz is an Approved Member of the National Ethics Association. In today’s world,

Trust is a Must. Now, more than ever, there is an increased need to know who you can trust in the financial services industry. By choosing an approved member of the National Ethics Association you will gain the added assurance of knowing that you are working with a financial professional who has successfully passed the Ethics Check System, a comprehensive series of background checks.

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