Jacob DuBose, CFP®
Hello there! 👋🏼 I'm Jacob, a seasoned wealth advisor at Savvy with over two decades of experience. My journey began in the tech sales industry, where I developed a keen interest in the decision-making process and financial planning. Throughout my extensive career in financial services, I have worked as an options trader, retirement planner, financial planner, and tax specialist. I’m here to help you reach your financial goals.
Denver, Colorado
How Jacob
works with clients
My focus is on retirement planning as it plays a pivotal role in financial security. Many face retirement with uncertainty, questioning if their savings will suffice. Retirement planning entails more than just reaching a savings target. It involves strategic decisions on investments, income sources, expenses, and legacy planning.
Preparing for retirement demands a well-thought-out plan, underscoring the importance of a skilled retirement planner. Here are my steps for retirement planning:
Income and Tax Planning
First we focus on your income needs and tax situation to construct a financial plan. Then we optimize income streams through strategic tax planning, leveraging tactics such as Roth conversions and tax-loss harvesting.
Portfolio Management
Next, let's delve into your investment portfolio management. This aspect is crucial as we aim to strike a balance between growth and security by intelligently allocating and diversifying assets. The goal is to distribute investments across different asset classes, mitigating the effects of market fluctuations and protecting the retiree's savings.
Social Security Planning
I also cover strategies for Social Security, a crucial income source for many. Despite its complexity, the system often leads to less-than-ideal claiming decisions. Common misconceptions, like the notion of claiming benefits early, can actually diminish lifetime earnings. I guide clients in identifying the optimal time to claim benefits and seamlessly incorporating these payments into a holistic income strategy.
Long-Term Care Planning
The final pillar of retirement planning often overlooked is long-term care. It encompasses various services, from aiding with daily activities to medical support, essential for individuals with chronic illnesses or disabilities. As Medicare and health insurance typically exclude long-term care coverage, individuals must incorporate it into their retirement strategy. This is where I can assist - whether by guiding you through securing a long-term insurance policy or planning financially for future care needs.
Jacob’s published work
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Market Updates & Economic Outlook
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How can I help?
Retirement Planning
Tax Optimization
Alternatives Investing
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Social Security Planning
Let’s achieve
greatness together
My passion is helping people achieve their financial goals. I believe that everyone has the potential to grow and protect their wealth, no matter their background or starting point.
My team and I are committed to providing personalized solutions tailored to your unique needs and circumstances.
Monthly recaps on financial markets. Stay in the loop with Jacob.
Get to know Jacob
After graduating from college, my first job was in the technology industry, where I sold hardware and software solutions to businesses. I've always been fascinated by the role technology plays in facilitating business and decision-making processes. However, what truly intrigued me was observing how companies made decisions about integrating technology into their organizations. They would ask questions like, "Do we need this?" or "Does the cost justify the value it brings?". They would also consider factors like depreciation, financing cost, and useful life when determining the best way to finance these solutions. I was captivated by the meticulous approach to financial decision-making and execution, which ultimately led me to embark on a journey in the field of financial services.
Over the past 20 years, my career has evolved from being an options trader at a brokerage firm to working as a retirement planner at a renowned insurance company. Eventually, I transitioned into a comprehensive financial planner and tax planning specialist, allowing me to expand my expertise further. I take great pleasure in unpacking and addressing all the necessary details within a comprehensive financial plan, enabling my clients to focus on living their best lives instead of wasting time on worry and inaction.
Book a 30-minute introductory call with Jacob.
Meet and greet. Get to know each other and learn about the benefits of wealth management through Savvy.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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