Complete Spectrum Financial Services

What Complete Spectrum Financial Services does

Complete Spectrum Financial Services, LLC is an independent financial and retirement planning firm headquartered in Lakewood, Colorado, founded in 2000 by Kevin Coffey. The firm serves individuals and families in Colorado through a personalized, advisor-led model, offering retirement planning, Social Security maximization, tax-advantaged account strategies, inheritance and estate administration, guaranteed lifetime income, investment advisory services, Medicare planning, life and long-term care insurance, college planning, and 401(k) rollovers. The firm is licensed to sell insurance products through independent representatives (affiliated agents) who have no equity interest in the LLC.

The company operates without a proprietary technology platform, delivering services exclusively through direct advisor-client consultations, with initial engagement via a complimentary 15-minute phone call and mid-funnel conversion through registration-based educational seminars. Marketing channels include YouTube video and podcast content covering retirement and Social Security topics, client testimonials, and a community donation program that has contributed over $300,000 to Colorado schools, churches, and organizations. Distribution is single-channel (direct advisory) within a single state.

Revenue is generated through advisory fees and commissions on financial and insurance products. The firm employs seven people, including three retirement planning professionals, a Medicare planning specialist, client services and PR, and an administrative assistant, with leadership tenure ranging from 10 to 30+ years. The company is privately held, founder-owned, and bootstrapped, with no external private equity or institutional investment disclosed, and operates from a single Lakewood office at 7990 W Alameda Ave.

Name

Complete Spectrum Financial Services

Legal name

Complete Spectrum Financial Services, LLC.

Website

https://complete-spectrum.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Complete Spectrum Financial Services is an independent Colorado-based financial and retirement planning firm founded in 2000, serving individuals and families through personalized advisory services including retirement, Social Security, tax, Medicare, and insurance planning.

Ownership category

akta.pro rank

Product category

Retirement and Financial Planning Services

NAICS

Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Services-Engineering, Accounting, Research, Management (8700), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retirement planning services
• Financial advisory services
• Investment advisory services
• Estate planning services
• Insurance product sales

Headquarters

HQ city

Lakewood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advisory & Planning Services: Revenue generated from advisory fees and commissions on financial products including insurance products (life insurance, long-term care, annuities), investment advisory services, and retirement planning engagements. The company operates as an independent advisory firm with affiliated agents who are licensed to sell insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Complete Spectrum Financial Services is an independent financial and retirement planning firm based in Lakewood, Colorado, providing personalized advisory services to individuals and families. Core offerings include retirement planning, Social Security maximization, guaranteed lifetime income strategies, tax-advantaged account planning, inheritance and estate administration, Medicare planning, life insurance, long-term care planning, college planning, 401(k) rollovers, and investment advisory services. The firm generates revenue from advisory fees and commissions on insurance and investment products sold through licensed affiliated agents.

Product overview

Complete Spectrum Financial Services is an independent financial planning firm offering a comprehensive suite of retirement and financial planning services in Colorado since 2000. The firm's core offerings include Retirement Planning, Social Security Maximization, Tax-advantaged Accounts, Inheritance & Estate Administration, Guaranteed Lifetime Income, and Investment Advisory Services. Additional specialized services encompass Medicare Planning, Life Insurance, Long Term Care Planning, College Planning, 401(k) & Retirement Plan Rollovers, and Guaranteed Interest Earning Accounts. The company supplements its service-based offerings with educational resources including a Video Library and Podcast Series covering financial topics, as well as hosting Educational Seminars for community outreach. The firm operates through a team of independent representatives and affiliated agents, providing personalized strategies tailored to individual client needs across every stage of life.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Comprehensive retirement planning services helping individuals and families develop strategies for financial security in retirement, including market risk management and income planning.
• Social Security Maximization Strategies to help clients understand their Social Security options and maximize benefits based on their individual situation.
• Tax-Advantaged Accounts Tax planning strategies focused on tax-advantaged accounts to help reduce tax burden during retirement.
• Inheritance & Estate Administration Planning services for transferring assets and managing estate matters to ensure smooth wealth transfer to heirs.
• Guaranteed Interest Earning Accounts Financial products that provide guaranteed interest earnings without exposure to market risk.
• Guaranteed Lifetime Income Strategies designed to provide reliable income throughout retirement, ensuring clients do not outlive their savings.
• College Planning Financial planning services to help families save and prepare for higher education expenses.
• 401(k) & Retirement Plan Rollovers Services to help clients effectively manage and rollover retirement accounts from previous employers into appropriate investment strategies.
• Medicare Planning Guidance on Medicare options and health care planning for retirees to maximize benefits and minimize costs.
• Life Insurance Life insurance products and planning services to protect families and provide financial security.
• Long Term Care Planning Planning services to prepare for potential long-term care needs and associated costs.
• Investment Advisory Services Professional investment guidance and advisory services to help clients build and manage diversified portfolios.

Named customers6 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Ameriprise Financial: Diversified financial services firm with significant retirement planning, investment advisory, and insurance product offerings through its advisor network. Competes for the same affluent pre-retiree and retiree segment with broader product set and brand recognition.
• Edelman Financial Engines: One of the largest independent RIAs in the US, with strong retirement-income planning franchise and a hybrid advisor-plus-digital model. Represents the scaled incumbent that competes for the same Colorado retirement cohort with greater resources.
• Schwab Wealth Advisory: Charles Schwab's managed-portfolio and advisory service for retirement-focused investors. Competes head-to-head on retirement income planning with technology-enabled delivery and lower price points, pressuring traditional independent advisory economics.
• Vanguard Personal Advisor: Vanguard's hybrid robo-plus-human advisory service targeting retirement savers. Represents the lower-cost incumbent alternative threatening traditional 1% advisory fees on which CSFS's economics rely.

Direct peers

• Buckingham Strategic Wealth: Independent RIA specializing in retirement income planning, tax strategies, and wealth management for individuals. Closely comparable mission and client base, with similar emphasis on independent fiduciary advice over product sales.
• Carson Wealth: Independent RIA network focused on retirement and financial planning for individuals and families. Operates a comparable independent advisory structure with affiliated advisor model and content-driven client acquisition, directly mirroring CSFS's go-to-market.
• Creative Planning: Large independent RIA offering comprehensive retirement, tax, estate, and investment planning to individuals and families. Operates a similar independent, fee-based model with multi-advisor teams and represents the scaled-up archetype of CSFS's business.
• Savant Wealth Management: Independent, fee-only RIA serving individuals and families with retirement planning, investment management, and tax advisory. Comparable independent structure, mid-sized team model, and focus on personalized long-term client relationships.

Others

• Commonwealth Financial Network: Independent broker-dealer supporting thousands of affiliated advisors who run retirement-focused practices. Operates as an enabling partner comparable to CSFS's independent-representative model, providing back-office and product infrastructure for similar advisor businesses.
• LPL Financial: Largest independent broker-dealer in the US, supporting a network of nearly 22,000 advisors running retirement and financial planning practices. Functionally analogous to CSFS's affiliated-agent structure and a potential strategic acquirer or competitive benchmark.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=fl_nyaa5FUE

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Complete Spectrum Financial Services