Finances for the rest of us.™

Local Financial Planning

For many of us, the very idea of retirement planning can be intimidating and confusing. Perhaps you have a 401K or set aside money in an IRA or savings account. Perhaps you invest in the stock market. Perhaps you are early in your career and haven’t thought about your retirement. Or maybe, you haven’t done anything at all to prepare for your future. Whatever your situation, we make it simple and affordable to create a realistic, tailored retirement plan to suit your goals for the future.

At JA Girlando, we take the worry out of retirement planning and provide a simple, easy-to-follow blueprint that helps you plan for a successful retirement. In creating your retirement plan, no financial products will be sold to you. As fee-only planners, we will provide you with objective advice designed to help you meet your financial goals.

So take the step to a secure retirement and click or call for a free consultation. The sooner you begin, the better you’ll feel about your future.

Start your simple retirement plan now.

Call (719) 488-3369 today, or click the button to get started.

$570 retirement plan

Retirement Planning

For most of us, planning for retirement is something that we hope just takes care of itself. Perhaps it’s a 401K through work, pension, or other financial security blanket that we pin our hopes on providing for our retirement. We don’t have an investment broker, or a high-power financial attorney looking out for our interests. In most cases, it’s up to us—and most of the time, planning for our financial future is something that’s always down the road, nothing we need to handle today.

But tomorrow has a way of sneaking up on all of us, and that’s where having a financial plan in place helps ensure we stay on track for a healthy retirement strategy.

At $570, your simple retirement plan is an affordable way to establish a blueprint toward achieving your financial security—and it’s so simple to implement. Simply fill out a form that we provide to you and we will prepare a snapshot of your current situation and provide recommended steps to either stay or get on-track to achieving your retirement goals.

All retirement plans include:

  • One year of unlimited access to your plan
  • One year of unlimited questions about your plan
  • The option to have your accounts continuously, automatically updated in your plan
  • Cash flow statements and other reports available for viewing and/or printing
  • Ability to upload documents to your own portal
  • Discounted rate for future years’ access to your plan

We will contact you within one business day to schedule an in-person appointment.
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Financial Resources

We all need access to information in order to make the best decisions for our retirement. On this page, you will find links to appropriate white papers, blogs, and events.

White Papers.


Simple Retirement Blog.

Read our take on the latest developments on the financial world and how they can impact your world at home. Check back here for the for our most recent commentary, or subscribe to the Finances for the Rest of Us blog.

Index Funds Are Better Than You Think

Anyone who’s asked, knows that I recommend broad-based index funds for long-term investments. It’s always nice to read an article written by another financial adviser who believes the same. These advisers are in the minority, because the adviser makes no money from a client’s index fund investments. BUT, the client makes ALL the money and has … Continue reading Index Funds Are Better Than You Think

If you would like a free one-hour seminar (lunch and learns work well) for your group, please contact me at 719-488-3369 or

At this FREE seminar, you will learn:

Why you should have a cash flow statement and a budget, what they are and how to use them

Why you should have emergency, impound, and opportunity funds and where to park this money until it’s needed

How to manage your debt and what’s good debt, what’s bad debt

About credit reports and how and when to get them free

About your credit score and what it is based on

How to plan for retirement

How to invest for retirement

What you need for your estate plan


About JA Girlando Financial Planning

Jim Girlando Bio

I was born and raised in Paterson, New Jersey, which is in the northeast corner of the state.  Some say they can still, after all these years, detect an East Coast accent. Of course, I do visit relatives there every summer. Having lived my formative years 17 miles from New York City, I became a life-long New York Yankees and New York “football” Giants fan. Hopefully, this won’t deter Broncos and Rockies fans and fans of other teams from seeking out my professional advice. We can always have some fun with our team allegiances.

Colorado Springs Financial Planner Photo

My Bachelor of Science degree is in Computer Science (yes they had computers back then … and punched-card readers too) with a minor in mathematics. My Master of Arts degree is in Curriculum and Instruction, which I earned as I was transitioning to being a teacher.


My Mission

To provide affordable retirement planning to those who wouldn’t normally seek out professional financial help; to enable clients to self-manage all aspects of their finances, de-mystify financial processes, and provide the necessary information to make topics such as saving, taxes, and retirement easy, understandable, and straightforward.


My Financial Planning History

I have been helping friends and colleagues with their financial questions and financial lives for as long as I can remember. After having careers in large computer system sales and as a high school mathematics teacher, I decided it was a good time to “officially” become a financial planner and help every day folks plan for their retirement.

I earned the CERTIFIED FINANCIAL PLANNER™ Professional designation to round out my planning skills and thus became a fiduciary for all my clients.

Being a teacher has always been in my heart, so switching careers from sales to teaching was an easy decision. Although I may no longer be formally teaching in the local high schools, the gift of teaching is still with me and I am always applying this ability while helping people with their finances. Along with the affordable retirement plan that I offer to you, I will answer all the financial questions you have in a simple and easy to understand way.



Sue, my beautiful wife, and I have two wonderful adult sons -Stephen and Joshua. Stephen is married to Brooke and they have been blessed with an awesome daughter, named Coraline, our first grandchild. Stephen will soon have his EE degree from UCCS and works at Samtec Microelectronics in Colorado Springs. Brooke has a Masters in Psychology and works at Focus on the Family. Joshua is matriculating towards a degree in Biblical and Pastoral Studies at Shiloh University, while working in Castle Rock at Aircraft Performance Group.


Community Involvement

In addition to being a director on the board at our church, Living Word Chapel in Palmer Lake, I am also the treasurer. I am part of making sure that there is integrity in how the finances are handled by the church. I bring this same integrity in working with you and your finances.

Founded in 2010, JA Girlando Financial Planning, LLC is a Registered Investment Advisor in the state of Colorado, located in Palmer Lake. Jim Girlando is a CERTIFIED FINANCIAL PLANNER™ Professional and Enrolled Agent.


We’re here to help you with your retirement planning needs. Please contact us at any time at the information below, or fill out our form for prompt, personalized attention.

(719) 488-3369

P.O. Box 316
Palmer Lake, CO 80133

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We will connect you within one business day to schedule an in-person appointment.