We think about retirement for much of our adult lives, but we rarely think about how we will meet our retirement goals as we approach those golden years. Planning for a great financial future starts with understanding gaps in our plan.
Head into the next few years with a plan that carves out the right path to help you meet those retirement dreams. Your retirement should be the time to enjoy life, not to stress about living.
This COMPLIMENTARY QUIZ is available to help you identify what could be your #1 retirement mistake. Click the link below to receive a customized report and suggestions for actionable next steps.
You want a personalized plan for your retirement
You value exceptional service and expect high-level attention and care
You want to feel confident and prepared for your retirement
You want to minimize your tax exposure
You want assistance with the distribution phase of retirement
You want to work with people you can trust
We believe that, while investments are important, they’re just a PIECE of the type of plan that helps you tackle your bucket list in retirement. In fact, we believe so strongly that clients are being underserved by advisors who lack a comprehensive approach, we’ve developed a proprietary framework and planning process for addressing the FIVE key worlds to a robust, flexible financial plan: Taxes, Income, Investments, Legacy, and Health Care.
Our proprietary planning process is your playbook to winning in retirement.
Beginning a relationship with an advisor is a big step and INCREDIBLY exciting. But, the way we see it, RELATIONSHIP is the key word. Every single one of our client relationships is built on the foundation of trust, mutual respect, and alignment.
So, instead of coming in with the goal of making any decisions about your investments, and in an effort to protect YOUR time, we will focus on ONE Decision: If we see opportunities to help you, do we want to continue the conversation? If so, our team will get to work on building the framework for your Retirement Gameplan.
Rome wasn’t built in a day. This conversation will provide clarity on how our strategy can elevate what’s possible for you, your family, and your goals. We like to simplify the process as much as possible.
Using what you’ve shared, and where we see opportunities, we will provide you with a draft of your customized “BAM Retirement Gameplan.” From there we will have just ONE more item to discuss: “Do we want to work together to bring this plan to life?”
At this point, most clients tell us that they feel RELIEVED and EXCITED about what their gameplan looks like. In advance of our third meeting, our planning team will have already put in up to 30 hours of work assessing your risk, fees, and creating recommendations to finalize your Retirement Gameplan.” This is when things get really fun – we begin to implement the plan.
The fourth and final meeting for onboarding in the BAMFam is where we deliver your plan, set the cadence for the rest of the relationship, and CELEBRATE the first day of the rest of your lives.
Leveraging strategies like Tax Mitigation and Roth Conversations can help you divorce the IRS over time. Tax planning is one of the best parts of our job and the number one reason why people work with us.
So, you’ve been saving for retirement. Now what? Working with BAM means having a clear plan for recreating that predictable, reliable income. Let’s make it happen.
BAM can bring it all together. Our financial planning services include:
Our teams’ investment knowledge is robust. With you we can tackle:
With our in-depth knowledge of Social Security and Medicare, we can help you decide when is the right time to start drawing your benefits. We can maximize your benefits, coordinate them with your spouse’s and help you fill any gaps in your retirement income.
Finding the right insurance and financial tools can minimize health care costs. BAM has a long standing reputation of helping individuals find the right insurance for their custom retirement plan.
Regardless of whether you want to leave your assets to your heirs, donate to charity, or develop a succession plan for your business, we can design a strategy that ensures that your life’s successes are shared with the right people.
Our clients will tell you to that every single interaction, relationship, and retirement plan is built on the foundation of a family – with care, support, and love. From our family to yours, you deserve it.
Taxes In Retirement Workshop
Interested in hearing about the most up-to-date and comprehensive information regarding retirement taxation, retirement income, insurance and legacy planning? You’ve come to the right place! After attending one of our seminars, you’ll be better positioned to develop a successful retirement plan that will safeguard your future.
Taxes In Retirement Workshop
Interested in hearing about the most up-to-date and comprehensive information regarding retirement taxation, retirement income, insurance and legacy planning? You’ve come to the right place! After attending one of our seminars, you’ll be better positioned to develop a successful retirement plan that will safeguard your future.
Where:
Lakewood Cultural Center – Community Room
470 S. Allison Pkwy
Lakewood Colorado 80226
When:
Tuesday, September 21st
11:00am-12:30pm
OR
Thursday, September 23rd
11:00am-12:30pm
We are an independent advisory firm that loves getting to know our clients. As fiduciaries, we create better outcomes for our clients by weighing the options, understanding the numbers, and removing the emotion. The primary downfall of a retirement plan is making emotional decisions in key years. We are careful about who we hire. We are trustworthy. We are hard working. Let us work for you.
Our clients will tell you to that every single interaction, relationship, and retirement plan is built on the foundation of a family – with care, support, and love. From our family to yours, you deserve it.
Contact Us
We’re just a short phone call or email away! Let us know what you need, how we can help you and how we can reach you. Have a great day!
This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice for your situation.
This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. This material is not intended to be legal or tax advice. The insurance professional can provide information, but not advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The insurance professional may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.
Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. 19849 – 2020/2/25
dafraimi@bamadvisorygroup.com
Founder
Investment Advisor Representative
Certified Tax Specialist™
Certified Financial Fiduciary®
NSSA®
Licensed Insurance Professional
RFC®
22 Years
David Afraimi began his financial services career in 1999 as an insurance account executive in Northern California. His ability and desire for growth quickly moved him into a sales management position, providing him with the skills and knowledge he would need to expand the company and move into a new market.
After five years of consistent success, David moved his efforts and expanded the company to Denver, Colorado in 2005 where he is currently the principal of BAM Advisory Group.
David is a highly energetic financial professional with 22 years of industry experience. He is passionate about providing sound advice to clients and appreciates the opportunity and unique challenge of working with and forming long-lasting relationships with a variety of people. David’s expertise includes retirement income planning, Social Security maximization, estate planning and tax mitigation.
David is able to build portfolios with objectivity, having no proprietary business obligations for himself and BAM Advisory Group. Being an independent advisor allows him to strictly focus on the needs of the individual. David’s licensing and certifications include the Series 66, Life & Health, Long-Term Care, Registered Investment Advisor, Registered Financial Consultant®, Certified Tax Specialist™, Certified Financial Fiduciary® and National Social Security Advisor®.
Outside of helping family, friends, and community members plan for the future, Davis also enjoys all the beauty and adventure Colorado has to offer with his wife, Kristy, and sons, Jordan and Ty. When away from the office, David enjoys traveling and visiting his family in Reno, NV, as well as mountain biking, snowboarding, yoga, and working out. The Afraimi family also love their 2 French bulldogs, Manny and Dre.
kafraimi@bamadvisorygroup.com
Chief Operating Officer
15+ Years
Kristy Afraimi made her move to Denver, Colorado from San Jose, California in June of 2005 to harness her experience in operations and financial services and, along with her husband, start their own company.
Kristy brings over 15 years of operations management experience across a variety of industries. She is a hard-working, highly detail-oriented and dedicated individual. While she enjoys the multifaceted and fast-paced aspects of the financial services industry, the real enjoyment in her work comes from systematically creating and implementing strategies to grow and better BAM’s business for its clients. Cultivating meaningful and trusting relationships with the clients BAM serves is a number one priority!
Kristy is the proud mom of two amazing boys and Kristy’s every precious moment is spent with them. Her spare time includes CrossFitting, snow-boarding and lending a helping hand to anyone who needs it.
mross@bamadvisorygroup.com
Investment Advisor Representative
NSSA®
Licensed Insurance Professional
Maxwell Ross is our Colorado native! Maxwell grew up in beautiful Colorado in the town of Arvada, with his parents and older sister. His certifications include his Series 65 and Colorado Life & Health License.
Max attended Fredonia State University of New York, a small school in upstate New York, about an hour South West of Buffalo. There he double majored in finance and economics. He also played for the schools Division III hockey team. Although hockey was the driving force behind Maxwell’s decision to go to school in New York, his desire to have a career in the financial services industry is what drove his chosen courses of study. Max knew very early on that a career in the financial service industry was what he wanted.
Having the ability to alleviate the stress and worry people feel about their financial futures is something Max truly sees value and inspiration in.
In Maxwell’s down time, he enjoys golfing, playing hockey and spending time with his dogs. He also loves the outdoors and takes advantage of all the activities that Colorado has to offer.
Service Advisor & Investment Advisor Representative
Jack Walker grew up in Jacksonville, Florida and, after living there for 18 years, he decided to venture to Colorado to attend the Leeds School of Business at University of Colorado instead of following his family’s footsteps to the University of Florida. Jack has always been interested in finance because he loves meeting new people and desires to help others become financially independent, so when he learned about CU’s financial planning program, he realized he had finally found a path that felt like the right fit. After 4 years, Jack graduated with a degree in Finance and Financial Planning.
Jack enjoys everything Colorado has to offer. He is an avid snowboarder and hiker. He also thoroughly enjoys the arts and has been taking pottery classes since high school. Jack has obtained his Series 65 license and is currently working on getting his Colorado Life & Health Insurance License. He is thrilled to be living in the great state of Colorado and is very excited to join the BAM Advisory Group.
Digital Marketing Specialist and Director of VIP Client Experience
Marissa Crise—born and raised in Dallas, Texas—moved to Colorado in December of 2018 after falling in love with our beautiful state. The move was a significant step out of her comfort zone; she was determined to give herself and her dog a better life by spreading her wings and growing into the woman she had always dreamed of being.
Marissa attended Texas A&M University in College Station before moving back to Dallas, where she finished her education at the University of Texas at Dallas. She graduated with a BS in Psychology and a BS in Child Learning & Development, while simultaneously juggling the demands of college and her full-time career in the insurance industry. She has earned and maintained her licenses to sell P&C and Life & Health Insurance.
Marissa’s drive to succeed has only increased as she continues to pour her efforts into her career. Growing up in the financial services industry, Marissa has the background and experience to support BAM Advisory Group as we, ourselves, continue to grow. She has more than nine years of success in the insurance industry and more than twelve years of exceptional customer service experience in multiple industries. Marissa prides herself on going above and beyond to make sure her clients are fully taken care. She likes them to feel as comfortable as family.
Marissa has found strength and joy in the genuine friends she has made while exploring the dynamic music scene and wide range of outdoor activities Colorado has to offer. She hasn’t had a dull moment yet!
nnunu@bamadvisorygroup.com
Financial Paraplanner Qualified Professional
Investment Advisor Representative
NSSA®
Licensed Insurance Professional
Nick Nunu left his hometown of Salt Lake City, Utah and moved to Denver, Colorado in 2016. A Fine Arts major at The University of Utah, Nick was surprised to find himself drawn to the world of real estate and alternative investments, which sparked his interest in the world of financial services.
Nick has more than ten years of world-class customer service experience and enjoys providing exceptional support to all clients. He spent three years working at a local, self-directed IRA firm as the client relations manager, and grew quickly into the position of asset management coordinator. Nick’s exposure to alternative asset investing was exciting however, it was in this position that Nick noticed a gap in the client experience—specifically the need for structured and sound financial advice.
Working with an independent advisory firm without proprietary business obligations was an intentional move and selection for Nick. Knowing that every client is unique and deserving of a plan specific to their unique needs, goals and values, Nick knew he wanted and needed to be in an environment that also supported this ideal and put the client first.
Outside of the office, Nick enjoys reading, hiking and adventuring with his wife and their dog. They are an exciting bunch that loves exploring new areas and learning new things!
Nick currently holds his Life and Health insurance license, his Series 65, and is a certified as both a Financial Paraplanner Qualified Professional (FPQP) and as a National Social Security Advisor (NSSA).
mroyall@bamadvisorygroup.com
Operations
Client Support
Megan Royall was born in Salt Lake City, Utah and has also lived in Southwest Florida and Washington State. After visiting Colorado in early 2019 and falling in love with the state, she moved to Denver in July of 2019.
Megan attended Olympic College in Bremerton, WA where she obtained her AS degree. She is currently obtaining a BS in Business Administration, Accounting at Western Governors University. She has also earned her P&C and Life & Health insurance licenses.
Megan is motivated to achieve her career goals and strives to give her all for BAM Advisory Group. Megan has more than two years of insurance experience as well as more than seven years of customer service experience.
In her down time, Megan loves snowboarding, hiking, camping and exploring the beauty of Colorado with her boyfriend Ben and their dog Cyber.
