Community Page
Business Spotlight
Rocky Mountain Insurance Advisors
Watch our full interview (or a clip) with the owner, Bob Willig, on how he works to earn your trust.
A suite of tools at your disposal

Complimentary Financial Planning Software
Create your own personal account with Castle Rock's link here.
Schedule a One-on-One Meeting
Resources for Your Reference
We have so much to talk about
Everybody has different priorities, so let's discuss what's top of mind for you today.
Credit Basics:
- Use the budgeting tool in the RightCapital software to keep track of your spending.
- Build your emergency savings. Start from where you are today. Make a plan.
- If you are not applying for credit soon, freeze it for protection.
College Planning:
- Review College Planning Essentials from J.P. Morgan to understand the current rules and tools available.
- Estimate the cost of college: https://bigfuture.collegeboard.org/pay-for-college/get-started
- Estimate the financial aid need: https://studentaid.gov/aid-estimator/
- Cost of Attendance – Student Aid Index = Financial Aid Need
- Learn about 529 plans: https://www.collegesavings.org/what-is-529
- Estimate tax savings https://www.morningstar.com/personal-finance/529-plan-calculator-estimate-your-federal-state-tax-benefits
Insurance
Disability Insurance
Protects your income if you’re unable to work due to illness or injury.
- What it is: Replaces a portion of your paycheck if you can’t work because of medical reasons, either short-term or long-term.
- Why it matters: Most households depend on regular income—the loss can quickly strain finances. Disability insurance helps pay for essentials like housing, food, and bills while you recover.
- How much do you need?
Most people target 60–70% of their gross income.- Step 1: List your monthly living expenses.
- Step 2: Subtract any other dependable sources of income.
- Step 3: The remainder is the gap you’ll want your policy to cover.
- Disability Needs Discussion Form
- Free Calculator:
NerdWallet Disability Insurance Calculator – Estimate how much income protection you might need.
Retirement Savings:
- What does an ideal retirement look like for you? Take 2-3 minutes to imagine what a day in your life might look like.
- Where do you live?
- If money weren't a concern, how would you spend your time?
- What relationships or experiences matter most?
- Create your online account with the Social Security Administration at https://www.ssa.gov/
- Use the budgeting tool in the RightCapital software to keep track of your spending.
- What is the difference between your budget and your projected Social Security benefit? That is your "gap" that your retirement savings will cover. You can change the assumed default numbers with this easy calculator at https://www.nerdwallet.com/calculator/retirement-calculator by selecting "Advanced Details."
- Watch a video, "What is Your Target Savings Rate?" based on the "National Savings Rates Guidelines for Individuals"
- Estimate your Life Expectancy
Tax Considerations:
- Are you a business owner that started a new retirement plan. We built a calculator on our website for you to calculate the tax credits available. Speak to your tax advisor, https://castlerockpep.com/employer-resources
- What about inherited IRAs? https://www.morningstar.com/personal-finance/inherited-iras-what-know-about-taxes-rmds-more
- Should your 401(k) contributions be made as Roth or Pre-Tax contributions?
Estate Planning Basics:
- Draft a free will at https://www.willscenter.com/
- Draft your Healthcare Power of Attorney (Living Will) at https://www.fivewishes.org/
- COLORADO Only: Print your MOST form on neon green paper and stick it on your fridge for emergency personnel, https://civhc.org/wp-content/uploads/2018/10/MOST-Form-2018.pdf
- Own a home and want to keep it out of probate? Consider filing a Beneficiary Deed, https://eforms.com/deeds/co/beneficiary-deed-transfer-on-death/
- Surviving Spouse Checklist
Retiring Soon?
- What's something new you've always wanted to try but didn't have the time for?
- What Would Your Younger Self Tell You About Your Best Future Self?
- What activities or experiences have brought you the most joy—and how can you bring more of that into your life now?
- How about filling out the "Rating Your Life Values Worksheet"
- If you could share one piece of wisdom or legacy with the next generation, what would it be?
- What do you want to be remembered for, and what small steps can you take toward that today?
- Consider filling out "Legacy Lifeprint" from Kathleen Rehl to share your values, hopes, dreams, memories
and more with family and friends as your lasting legacy of love. - Watch some educational videos about retirement income:
Investment Options and Performance
Click on the link to see the current investment options, performance, and expense ratios.
Investing 101
Curious about what a target date fund means? Want to learn about a glidepath and the distinction between a "to" fund and a "through" fund? Perhaps you're wondering how much you should save and what your target savings rate is according to the National Savings Rate Guidelines. Explore these presentations where I cover all of these topics and provide you with practical advice to help you achieve your retirement goals.

Your Future Self will
Thank You
Does your future self seem like a stranger? Are you willing to make sacrifices for your future self today? Can you imagine what your older self may feel one day? Let's close that gap and take a glimpse of ourselves at 70. Dare to share is coming soon...
Community Challenge
Starting January 1st, 2026
We invite you to test your investment knowledge and compete with your PEP peers in our Community Challenge.
WINNER PRIZE: Business Spotlight of the firm with the winning employee
(or spotlight of the winning employee if preferred)
How to Win
Earn the most points from this quarter’s challenge by March 31st, 2026.
-
Morningstar Investing Classroom
5 points for each quiz certificate. If below 60%, reread course for certificate.
-
One-on-One Meeting with Michele
10 points for one meeting each quarter
-
Access your complimentary financial planning software
10 points if you create your online account
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Dare to Share
10 points if you submit a picture of your current self and your future self at retirement age
Community Concierge
Visit Castle Rock and Make The Climb
Castle Rock 2024 Starlighting!