Financial consulting in Grand Junction, CO

At Spruce Financial, we are an independent financial advisory firm specializing in comprehensive, long-term financial planning. Located in Grand Junction, Colorado, our firm represents the principles of genuine honesty, hard work and simplicity that our community embraces. We serve clients in Colorado and surrounding states. We serve each client with an open mind and a desire to provide personalized solutions not products. We know that each individual has unique circumstances that require innovative problem solving. We work tirelessly to find strategies to help your money last as long as you live without paying unnecessary taxes. The solutions we provide can help alleviate tremendous financial burdens, helping you and your families gain financial freedom that affects generations. Our efforts play an important part in building life-changing financial security.

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I'm not your typical financial advisor. (And yes, that's the point.) I'm Rae Hartley Beck, a fee-only fiduciary CFP® professional, who helps thoughtful, burned-out humans figure out if they can actually afford to quit, downshift, retire early-ish, or just… breathe. If you're making good money but feeling trapped by it, anxious about healthcare before Medicare, or tired of advisors who only want to talk about "beating the market," we should talk. What makes me different: I spent years at the Social Security Administration helping thousands navigate retirement timing, Medicare, IRMAA, and disability benefits. That deep expertise means I can optimize the boring stuff (taxes, withdrawal sequencing, ACA subsidies, Social Security timing) in ways most advisors can't. I'm fee-only. No commissions. No annuity pitches. Just transparent advice. I work with people who want their money to buy time and freedom, not just better performance. Mid-career professionals drowning in "success," folks approaching retirement terrified of doing it wrong. If you want a plan that fits your life (not a sales pitch), I'm here for it. Good Fit: ~$500k+ to invest OR you value advice enough to pay $3–6k/year for real planning. You're smart, skeptical, want plain English, and you're thinking about big changes. Not a fit: Just want stock picks, chasing crypto, or want a "bro advisor" who talks over you.