[av_slideshow_full img_copyright=\’\’ size=\’featured\’ min_height=\’0px\’ stretch=\’\’ control_layout=\’av-control-default\’ slider_navigation=\’av-navigate-arrows av-navigate-dots\’ nav_visibility_desktop=\’\’ nav_arrow_color=\’\’ nav_arrow_bg_color=\’\’ nav_dots_color=\’\’ nav_dot_active_color=\’\’ src=\’\’ attachment=\’\’ attachment_size=\’\’ position=\’top left\’ repeat=\’no-repeat\’ attach=\’scroll\’ img_copyright_font=\’\’ av-desktop-font-img_copyright_font=\’\’ av-medium-font-img_copyright_font=\’\’ av-small-font-img_copyright_font=\’\’ av-mini-font-img_copyright_font=\’\’ img_copyright_color=\’\’ img_copyright_bg=\’\’ animation=\’slide\’ transition_speed=\’\’ autoplay=\’false\’ interval=\’5\’ img_scale=\’\’ img_scale_end=\’10\’ img_scale_direction=\’\’ img_scale_duration=\’3\’ img_scale_opacity=\’1\’ conditional_play=\’\’ img_scrset=\’\’ lazy_loading=\’disabled\’ alb_description=\’\’ id=\’\’ custom_class=\’\’ template_class=\’\’ av_uid=\’av-jlphkqui\’ sc_version=\’1.0\’]
[av_slide_full slide_type=\’image\’ id=\’913\’ video=\’http://\’ mobile_image=\’\’ fallback_link=\’http://\’ title=\’\’ video_format=\’\’ video_ratio=\’16:9\’ caption_pos=\’caption_bottom\’ custom_title_size=\’\’ av-desktop-font-size-title=\’\’ av-medium-font-size-title=\’\’ av-small-font-size-title=\’\’ av-mini-font-size-title=\’\’ custom_content_size=\’\’ av-desktop-font-size=\’\’ av-medium-font-size=\’\’ av-small-font-size=\’\’ av-mini-font-size=\’\’ font_color=\’\’ custom_title=\’\’ custom_content=\’\’ heading_tag=\’\’ heading_class=\’\’ link_apply=\’\’ link=\’lightbox\’ link_dynamic=\’\’ link_target=\’\’ button_label=\’Click me\’ button_color=\’light\’ link1=\’manually,http://\’ link_target1=\’\’ button_label2=\’Click me\’ button_color2=\’light\’ link2=\’manually,http://\’ link_target2=\’\’ overlay_opacity=\’0.5\’ overlay_color=\’\’ overlay_pattern=\’\’ overlay_custom_pattern=\’\’ av_uid=\’av-1d8sy\’ sc_version=\’1.0\’][/av_slide_full]
[/av_slideshow_full]
[av_heading heading=\’New Legislation Alert: What PERA Members Need to Know About Social Security Changes\’ tag=\’h1\’ style=\’blockquote modern-quote modern-centered\’ subheading_active=\’\’ show_icon=\’\’ icon=\’ue800\’ font=\’entypo-fontello\’ size=\’\’ av-desktop-font-size-title=\’\’ av-medium-font-size-title=\’\’ av-small-font-size-title=\’\’ av-mini-font-size-title=\’\’ subheading_size=\’15\’ av-desktop-font-size=\’\’ av-medium-font-size=\’\’ av-small-font-size=\’\’ av-mini-font-size=\’\’ icon_size=\’\’ av-desktop-font-size-1=\’\’ av-medium-font-size-1=\’\’ av-small-font-size-1=\’\’ av-mini-font-size-1=\’\’ color=\’\’ custom_font=\’\’ subheading_color=\’\’ seperator_color=\’\’ icon_color=\’\’ margin=\’\’ margin_sync=\’true\’ av-desktop-margin=\’\’ av-desktop-margin_sync=\’true\’ av-medium-margin=\’\’ av-medium-margin_sync=\’true\’ av-small-margin=\’\’ av-small-margin_sync=\’true\’ av-mini-margin=\’\’ av-mini-margin_sync=\’true\’ headline_padding=\’\’ headline_padding_sync=\’true\’ av-desktop-headline_padding=\’\’ av-desktop-headline_padding_sync=\’true\’ av-medium-headline_padding=\’\’ av-medium-headline_padding_sync=\’true\’ av-small-headline_padding=\’\’ av-small-headline_padding_sync=\’true\’ av-mini-headline_padding=\’\’ av-mini-headline_padding_sync=\’true\’ padding=\’10\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ icon_padding=\’10\’ av-desktop-icon_padding=\’\’ av-medium-icon_padding=\’\’ av-small-icon_padding=\’\’ av-mini-icon_padding=\’\’ link=\’\’ link_dynamic=\’\’ link_target=\’\’ title_attr=\’\’ id=\’\’ custom_class=\’\’ template_class=\’\’ av_uid=\’av-jlphjsft\’ sc_version=\’1.0\’ admin_preview_bg=\’\’][/av_heading]
[av_one_fifth first min_height=\’\’ vertical_alignment=\’av-align-top\’ space=\’\’ row_boxshadow=\’\’ row_boxshadow_width=\’10\’ row_boxshadow_color=\’\’ custom_margin=\’\’ margin=\’0px\’ av-desktop-margin=\’\’ av-medium-margin=\’\’ av-small-margin=\’\’ av-mini-margin=\’\’ mobile_breaking=\’\’ mobile_column_order=\’\’ border=\’\’ border_style=\’solid\’ border_color=\’\’ radius=\’\’ min_col_height=\’\’ padding=\’\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ svg_div_top=\’\’ svg_div_top_color=\’#333333\’ svg_div_top_width=\’100\’ svg_div_top_height=\’50\’ svg_div_top_max_height=\’none\’ svg_div_top_flip=\’\’ svg_div_top_invert=\’\’ svg_div_top_front=\’\’ svg_div_top_opacity=\’\’ svg_div_top_preview=\’\’ svg_div_bottom=\’\’ svg_div_bottom_color=\’#333333\’ svg_div_bottom_width=\’100\’ svg_div_bottom_height=\’50\’ svg_div_bottom_max_height=\’none\’ svg_div_bottom_flip=\’\’ svg_div_bottom_invert=\’\’ svg_div_bottom_front=\’\’ svg_div_bottom_opacity=\’\’ svg_div_bottom_preview=\’\’ fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ column_boxshadow=\’\’ column_boxshadow_width=\’10\’ column_boxshadow_color=\’\’ background=\’bg_color\’ background_color=\’\’ background_gradient_direction=\’vertical\’ background_gradient_color1=\’#000000\’ background_gradient_color2=\’#ffffff\’ background_gradient_color3=\’\’ src=\’\’ src_dynamic=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ highlight=\’\’ highlight_size=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ parallax_parallax=\’\’ parallax_parallax_speed=\’\’ av-desktop-parallax_parallax=\’\’ av-desktop-parallax_parallax_speed=\’\’ av-medium-parallax_parallax=\’\’ av-medium-parallax_parallax_speed=\’\’ av-small-parallax_parallax=\’\’ av-small-parallax_parallax_speed=\’\’ av-mini-parallax_parallax=\’\’ av-mini-parallax_parallax_speed=\’\’ fold_timer=\’\’ z_index_fold=\’\’ css_position=\’\’ css_position_location=\’\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’\’ av-mini-css_position_z_index=\’\’ link=\’\’ link_dynamic=\’\’ linktarget=\’\’ link_hover=\’\’ title_attr=\’\’ alt_attr=\’\’ mobile_display=\’\’ mobile_col_pos=\’0\’ id=\’\’ custom_class=\’\’ template_class=\’\’ aria_label=\’\’ av_uid=\’av-cw49j\’ sc_version=\’1.0\’][/av_one_fifth]
[av_three_fifth min_height=\’\’ vertical_alignment=\’\’ space=\’\’ custom_margin=\’\’ margin=\’0px\’ link=\’\’ linktarget=\’\’ link_hover=\’\’ padding=\’0px\’ border=\’\’ border_color=\’\’ radius=\’0px\’ background=\’bg_color\’ background_color=\’\’ background_gradient_color1=\’\’ background_gradient_color2=\’\’ background_gradient_direction=\’vertical\’ src=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ animation=\’\’ mobile_breaking=\’\’ mobile_display=\’\’ av_uid=\’av-9z34i\’]
[av_textblock fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ textblock_styling_align=\’\’ textblock_styling=\’\’ textblock_styling_gap=\’\’ textblock_styling_mobile=\’\’ size=\’\’ av-desktop-font-size=\’\’ av-medium-font-size=\’\’ av-small-font-size=\’\’ av-mini-font-size=\’\’ font_color=\’\’ color=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ fold_timer=\’\’ z_index_fold=\’\’ id=\’\’ custom_class=\’\’ template_class=\’\’ av_uid=\’av-jlphjy92\’ sc_version=\’1.0\’ admin_preview_bg=\’\’]
![\"woman-and-man-volunteers-helping-with-taxes\"](\"http://mybpfinancial.com/wp-content/uploads/2025/06/woman-and-man-volunteers-helping-with-taxes-1-1.png\")
Dear Bridgepoint Clients,
We hope this message finds you well. We are writing to inform you of an important update regarding Social Security benefits and how it may impact your retirement planning, especially if you are a current or future member of Colorado’s Public Employees Retirement Association (PERA).
In 2025, the Windfall Fairness Act was signed into law, bringing significant changes to the way the Windfall Elimination Provision (WEP) affects individuals who have worked in public sector jobs covered by PERA and are also eligible for Social Security benefits.
What Is the Windfall Fairness Act?
The Windfall Fairness Act was designed to reduce the financial impact of the WEP, which previously reduced Social Security benefits for individuals with a public pension, like those from PERA. Before this law, the WEP could significantly lower Social Security benefits for retirees who also received a PERA pension, creating a gap in their expected retirement income.
With the new legislation, the reduction in Social Security benefits due to the WEP has been lessened, particularly for those who have a longer history of work in jobs covered by Social Security. This means that both current and future PERA members may now receive a larger portion of their Social Security benefits than they would have under the prior rules, improving their overall retirement income.
How Will This Affect You?
If you are a PERA member or expect to receive both a PERA pension and Social Security benefits in retirement, this change is likely to result in a more favorable outcome when it comes to your Social Security benefits. The Windfall Fairness Act may mean that the impact of the WEP will be significantly reduced, allowing you to retain more of your Social Security benefits than previously anticipated.
Steps You Should Take:
To ensure you receive all the benefits you\’re entitled to, we recommend taking the following steps:
1. Review Your Social Security Record: Make sure your work history is accurate. You can do this by creating or logging into your account on the Social Security Administration’s website (www.ssa.gov) to check that all your years of work are properly recorded.
2. Consult Your PERA Records: Verify that your PERA benefits are up to date. This is especially important if you have had a change in employment status or if you are nearing retirement.
3. Stay Informed About Legislative Changes: Laws around Social Security and public pensions are subject to change. We will continue to monitor any further updates to ensure you are fully informed about how such changes might affect your retirement planning.
4. Schedule a Review: We encourage you to schedule a meeting with us to review your retirement strategy. While all the details are still being finalized, we can discuss how these changes might impact your benefits and ensure you are on track to maximize your retirement income.
Please don’t hesitate to reach out to us with any questions or concerns regarding these updates.
We are here to help guide you through the steps to ensure you are getting the full benefits you’ve
earned.
Best regards,The Bridgepoint Team
Schedule a Meeting
[/av_textblock]
[/av_three_fifth][av_one_fifth min_height=\’\’ vertical_alignment=\’av-align-top\’ space=\’\’ row_boxshadow=\’\’ row_boxshadow_width=\’10\’ row_boxshadow_color=\’\’ custom_margin=\’\’ margin=\’0px\’ av-desktop-margin=\’\’ av-medium-margin=\’\’ av-small-margin=\’\’ av-mini-margin=\’\’ mobile_breaking=\’\’ mobile_column_order=\’\’ border=\’\’ border_style=\’solid\’ border_color=\’\’ radius=\’\’ min_col_height=\’\’ padding=\’\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ svg_div_top=\’\’ svg_div_top_color=\’#333333\’ svg_div_top_width=\’100\’ svg_div_top_height=\’50\’ svg_div_top_max_height=\’none\’ svg_div_top_flip=\’\’ svg_div_top_invert=\’\’ svg_div_top_front=\’\’ svg_div_top_opacity=\’\’ svg_div_top_preview=\’\’ svg_div_bottom=\’\’ svg_div_bottom_color=\’#333333\’ svg_div_bottom_width=\’100\’ svg_div_bottom_height=\’50\’ svg_div_bottom_max_height=\’none\’ svg_div_bottom_flip=\’\’ svg_div_bottom_invert=\’\’ svg_div_bottom_front=\’\’ svg_div_bottom_opacity=\’\’ svg_div_bottom_preview=\’\’ fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ column_boxshadow=\’\’ column_boxshadow_width=\’10\’ column_boxshadow_color=\’\’ background=\’bg_color\’ background_color=\’\’ background_gradient_direction=\’vertical\’ background_gradient_color1=\’#000000\’ background_gradient_color2=\’#ffffff\’ background_gradient_color3=\’\’ src=\’\’ src_dynamic=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ highlight=\’\’ highlight_size=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ parallax_parallax=\’\’ parallax_parallax_speed=\’\’ av-desktop-parallax_parallax=\’\’ av-desktop-parallax_parallax_speed=\’\’ av-medium-parallax_parallax=\’\’ av-medium-parallax_parallax_speed=\’\’ av-small-parallax_parallax=\’\’ av-small-parallax_parallax_speed=\’\’ av-mini-parallax_parallax=\’\’ av-mini-parallax_parallax_speed=\’\’ fold_timer=\’\’ z_index_fold=\’\’ css_position=\’\’ css_position_location=\’\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’\’ av-mini-css_position_z_index=\’\’ link=\’\’ link_dynamic=\’\’ linktarget=\’\’ link_hover=\’\’ title_attr=\’\’ alt_attr=\’\’ mobile_display=\’\’ mobile_col_pos=\’0\’ id=\’\’ custom_class=\’\’ template_class=\’\’ aria_label=\’\’ av_uid=\’av-appqf\’ sc_version=\’1.0\’][/av_one_fifth]
[av_one_half first min_height=\’\’ vertical_alignment=\’av-align-top\’ space=\’\’ row_boxshadow=\’\’ row_boxshadow_width=\’10\’ row_boxshadow_color=\’\’ custom_margin=\’\’ margin=\’0px\’ av-desktop-margin=\’\’ av-medium-margin=\’\’ av-small-margin=\’\’ av-mini-margin=\’\’ mobile_breaking=\’\’ mobile_column_order=\’\’ border=\’\’ border_style=\’solid\’ border_color=\’\’ radius=\’\’ min_col_height=\’\’ padding=\’\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ svg_div_top=\’\’ svg_div_top_color=\’#333333\’ svg_div_top_width=\’100\’ svg_div_top_height=\’50\’ svg_div_top_max_height=\’none\’ svg_div_top_flip=\’\’ svg_div_top_invert=\’\’ svg_div_top_front=\’\’ svg_div_top_opacity=\’\’ svg_div_top_preview=\’\’ svg_div_bottom=\’\’ svg_div_bottom_color=\’#333333\’ svg_div_bottom_width=\’100\’ svg_div_bottom_height=\’50\’ svg_div_bottom_max_height=\’none\’ svg_div_bottom_flip=\’\’ svg_div_bottom_invert=\’\’ svg_div_bottom_front=\’\’ svg_div_bottom_opacity=\’\’ svg_div_bottom_preview=\’\’ fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ column_boxshadow=\’\’ column_boxshadow_width=\’10\’ column_boxshadow_color=\’\’ background=\’bg_color\’ background_color=\’\’ background_gradient_direction=\’vertical\’ background_gradient_color1=\’#000000\’ background_gradient_color2=\’#ffffff\’ background_gradient_color3=\’\’ src=\’\’ src_dynamic=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ highlight=\’\’ highlight_size=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ parallax_parallax=\’\’ parallax_parallax_speed=\’\’ av-desktop-parallax_parallax=\’\’ av-desktop-parallax_parallax_speed=\’\’ av-medium-parallax_parallax=\’\’ av-medium-parallax_parallax_speed=\’\’ av-small-parallax_parallax=\’\’ av-small-parallax_parallax_speed=\’\’ av-mini-parallax_parallax=\’\’ av-mini-parallax_parallax_speed=\’\’ fold_timer=\’\’ z_index_fold=\’\’ css_position=\’\’ css_position_location=\’\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’\’ av-mini-css_position_z_index=\’\’ link=\’\’ link_dynamic=\’\’ linktarget=\’\’ link_hover=\’\’ title_attr=\’\’ alt_attr=\’\’ mobile_display=\’\’ mobile_col_pos=\’0\’ id=\’\’ custom_class=\’\’ template_class=\’\’ aria_label=\’\’ av_uid=\’av-x8fov\’ sc_version=\’1.0\’]
[av_textblock fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ textblock_styling_align=\’\’ textblock_styling=\’\’ textblock_styling_gap=\’\’ textblock_styling_mobile=\’\’ size=\’\’ av-desktop-font-size=\’\’ av-medium-font-size=\’\’ av-small-font-size=\’\’ av-mini-font-size=\’\’ font_color=\’\’ color=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ fold_timer=\’\’ z_index_fold=\’\’ id=\’\’ custom_class=\’\’ template_class=\’\’ av_uid=\’av-m22agve4\’ sc_version=\’1.0\’ admin_preview_bg=\’\’]
Timothy P. Doud
President & Financial Advisor
tdoud@bpfemail.com
[/av_textblock]
[/av_one_half]
[av_one_half min_height=\’\’ vertical_alignment=\’av-align-top\’ space=\’\’ row_boxshadow=\’\’ row_boxshadow_width=\’10\’ row_boxshadow_color=\’\’ custom_margin=\’\’ margin=\’0px\’ av-desktop-margin=\’\’ av-medium-margin=\’\’ av-small-margin=\’\’ av-mini-margin=\’\’ mobile_breaking=\’\’ mobile_column_order=\’\’ border=\’\’ border_style=\’solid\’ border_color=\’\’ radius=\’\’ min_col_height=\’\’ padding=\’\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ svg_div_top=\’\’ svg_div_top_color=\’#333333\’ svg_div_top_width=\’100\’ svg_div_top_height=\’50\’ svg_div_top_max_height=\’none\’ svg_div_top_flip=\’\’ svg_div_top_invert=\’\’ svg_div_top_front=\’\’ svg_div_top_opacity=\’\’ svg_div_top_preview=\’\’ svg_div_bottom=\’\’ svg_div_bottom_color=\’#333333\’ svg_div_bottom_width=\’100\’ svg_div_bottom_height=\’50\’ svg_div_bottom_max_height=\’none\’ svg_div_bottom_flip=\’\’ svg_div_bottom_invert=\’\’ svg_div_bottom_front=\’\’ svg_div_bottom_opacity=\’\’ svg_div_bottom_preview=\’\’ fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ column_boxshadow=\’\’ column_boxshadow_width=\’10\’ column_boxshadow_color=\’\’ background=\’bg_color\’ background_color=\’\’ background_gradient_direction=\’vertical\’ background_gradient_color1=\’#000000\’ background_gradient_color2=\’#ffffff\’ background_gradient_color3=\’\’ src=\’\’ src_dynamic=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ highlight=\’\’ highlight_size=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ parallax_parallax=\’\’ parallax_parallax_speed=\’\’ av-desktop-parallax_parallax=\’\’ av-desktop-parallax_parallax_speed=\’\’ av-medium-parallax_parallax=\’\’ av-medium-parallax_parallax_speed=\’\’ av-small-parallax_parallax=\’\’ av-small-parallax_parallax_speed=\’\’ av-mini-parallax_parallax=\’\’ av-mini-parallax_parallax_speed=\’\’ fold_timer=\’\’ z_index_fold=\’\’ css_position=\’\’ css_position_location=\’\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’\’ av-mini-css_position_z_index=\’\’ link=\’\’ link_dynamic=\’\’ linktarget=\’\’ link_hover=\’\’ title_attr=\’\’ alt_attr=\’\’ mobile_display=\’\’ mobile_col_pos=\’0\’ id=\’\’ custom_class=\’\’ template_class=\’\’ aria_label=\’\’ av_uid=\’av-oikb3\’ sc_version=\’1.0\’]
[av_textblock fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ textblock_styling_align=\’\’ textblock_styling=\’\’ textblock_styling_gap=\’\’ textblock_styling_mobile=\’\’ size=\’\’ av-desktop-font-size=\’\’ av-medium-font-size=\’\’ av-small-font-size=\’\’ av-mini-font-size=\’\’ font_color=\’\’ color=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ fold_timer=\’\’ z_index_fold=\’\’ id=\’\’ custom_class=\’\’ template_class=\’\’ av_uid=\’av-m22ajlav\’ sc_version=\’1.0\’ admin_preview_bg=\’\’]
Jeffrey A. Rittner, CFP®
President & Certified Financial Planner™
jrittner@bpfemail.com
[/av_textblock]
[/av_one_half]
[av_one_fourth first min_height=\’\’ vertical_alignment=\’av-align-top\’ space=\’\’ row_boxshadow=\’\’ row_boxshadow_width=\’10\’ row_boxshadow_color=\’\’ custom_margin=\’\’ margin=\’0px\’ av-desktop-margin=\’\’ av-medium-margin=\’\’ av-small-margin=\’\’ av-mini-margin=\’\’ mobile_breaking=\’\’ mobile_column_order=\’\’ border=\’\’ border_style=\’solid\’ border_color=\’\’ radius=\’\’ min_col_height=\’\’ padding=\’\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ svg_div_top=\’\’ svg_div_top_color=\’#333333\’ svg_div_top_width=\’100\’ svg_div_top_height=\’50\’ svg_div_top_max_height=\’none\’ svg_div_top_flip=\’\’ svg_div_top_invert=\’\’ svg_div_top_front=\’\’ svg_div_top_opacity=\’\’ svg_div_top_preview=\’\’ svg_div_bottom=\’\’ svg_div_bottom_color=\’#333333\’ svg_div_bottom_width=\’100\’ svg_div_bottom_height=\’50\’ svg_div_bottom_max_height=\’none\’ svg_div_bottom_flip=\’\’ svg_div_bottom_invert=\’\’ svg_div_bottom_front=\’\’ svg_div_bottom_opacity=\’\’ svg_div_bottom_preview=\’\’ fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ column_boxshadow=\’\’ column_boxshadow_width=\’10\’ column_boxshadow_color=\’\’ background=\’bg_color\’ background_color=\’\’ background_gradient_direction=\’vertical\’ background_gradient_color1=\’#000000\’ background_gradient_color2=\’#ffffff\’ background_gradient_color3=\’\’ src=\’\’ src_dynamic=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ highlight=\’\’ highlight_size=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ parallax_parallax=\’\’ parallax_parallax_speed=\’\’ av-desktop-parallax_parallax=\’\’ av-desktop-parallax_parallax_speed=\’\’ av-medium-parallax_parallax=\’\’ av-medium-parallax_parallax_speed=\’\’ av-small-parallax_parallax=\’\’ av-small-parallax_parallax_speed=\’\’ av-mini-parallax_parallax=\’\’ av-mini-parallax_parallax_speed=\’\’ fold_timer=\’\’ z_index_fold=\’\’ css_position=\’\’ css_position_location=\’\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’\’ av-mini-css_position_z_index=\’\’ link=\’\’ link_dynamic=\’\’ linktarget=\’\’ link_hover=\’\’ title_attr=\’\’ alt_attr=\’\’ mobile_display=\’\’ mobile_col_pos=\’0\’ id=\’\’ custom_class=\’\’ template_class=\’\’ aria_label=\’\’ av_uid=\’av-lmdjb\’ sc_version=\’1.0\’][/av_one_fourth]
[av_one_half min_height=\’\’ vertical_alignment=\’av-align-top\’ space=\’\’ row_boxshadow=\’\’ row_boxshadow_width=\’10\’ row_boxshadow_color=\’\’ custom_margin=\’\’ margin=\’0px\’ av-desktop-margin=\’\’ av-medium-margin=\’\’ av-small-margin=\’\’ av-mini-margin=\’\’ mobile_breaking=\’\’ mobile_column_order=\’\’ border=\’\’ border_style=\’solid\’ border_color=\’\’ radius=\’\’ min_col_height=\’\’ padding=\’\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ svg_div_top=\’\’ svg_div_top_color=\’#333333\’ svg_div_top_width=\’100\’ svg_div_top_height=\’50\’ svg_div_top_max_height=\’none\’ svg_div_top_flip=\’\’ svg_div_top_invert=\’\’ svg_div_top_front=\’\’ svg_div_top_opacity=\’\’ svg_div_top_preview=\’\’ svg_div_bottom=\’\’ svg_div_bottom_color=\’#333333\’ svg_div_bottom_width=\’100\’ svg_div_bottom_height=\’50\’ svg_div_bottom_max_height=\’none\’ svg_div_bottom_flip=\’\’ svg_div_bottom_invert=\’\’ svg_div_bottom_front=\’\’ svg_div_bottom_opacity=\’\’ svg_div_bottom_preview=\’\’ fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ column_boxshadow=\’\’ column_boxshadow_width=\’10\’ column_boxshadow_color=\’\’ background=\’bg_color\’ background_color=\’\’ background_gradient_direction=\’vertical\’ background_gradient_color1=\’#000000\’ background_gradient_color2=\’#ffffff\’ background_gradient_color3=\’\’ src=\’\’ src_dynamic=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ highlight=\’\’ highlight_size=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ parallax_parallax=\’\’ parallax_parallax_speed=\’\’ av-desktop-parallax_parallax=\’\’ av-desktop-parallax_parallax_speed=\’\’ av-medium-parallax_parallax=\’\’ av-medium-parallax_parallax_speed=\’\’ av-small-parallax_parallax=\’\’ av-small-parallax_parallax_speed=\’\’ av-mini-parallax_parallax=\’\’ av-mini-parallax_parallax_speed=\’\’ fold_timer=\’\’ z_index_fold=\’\’ css_position=\’\’ css_position_location=\’\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’\’ av-mini-css_position_z_index=\’\’ link=\’\’ link_dynamic=\’\’ linktarget=\’\’ link_hover=\’\’ title_attr=\’\’ alt_attr=\’\’ mobile_display=\’\’ mobile_col_pos=\’0\’ id=\’\’ custom_class=\’\’ template_class=\’\’ aria_label=\’\’ av_uid=\’av-1912n\’ sc_version=\’1.0\’]
[av_textblock fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ textblock_styling_align=\’\’ textblock_styling=\’\’ textblock_styling_gap=\’\’ textblock_styling_mobile=\’\’ size=\’\’ av-desktop-font-size=\’\’ av-medium-font-size=\’\’ av-small-font-size=\’\’ av-mini-font-size=\’\’ font_color=\’\’ color=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ fold_timer=\’\’ z_index_fold=\’\’ id=\’\’ custom_class=\’\’ template_class=\’\’ av_uid=\’av-m22b6tkp\’ sc_version=\’1.0\’ admin_preview_bg=\’\’]
(970)416-0088 | mybpfinancial.com
Follow the link below to see other Community Choice Award winners and support local businesses.
[/av_textblock]
[av_button label=\’CLICK HERE\’ icon_select=\’no\’ icon=\’ue800\’ font=\’entypo-fontello\’ title_attr=\’\’ button_type=\’\’ link=\’manually,https://coloradoan.gannettcontests.com/2024-Best-of-Fort-Collins-Communitys-Choice-Awards-Winners/\’ link_dynamic=\’\’ link_target=\’_blank\’ download_file=\’https://\’ attachment=\’\’ attachment_size=\’\’ downloaded_file_name=\’\’ size=\’large\’ position=\’center\’ label_display=\’\’ size-text=\’24\’ av-desktop-font-size-text=\’\’ av-medium-font-size-text=\’\’ av-small-font-size-text=\’\’ av-mini-font-size-text=\’\’ margin=\’\’ margin_sync=\’true\’ padding=\’\’ padding_sync=\’true\’ av-desktop-margin=\’\’ av-desktop-margin_sync=\’true\’ av-desktop-padding=\’\’ av-desktop-padding_sync=\’true\’ av-medium-margin=\’\’ av-medium-margin_sync=\’true\’ av-medium-padding=\’\’ av-medium-padding_sync=\’true\’ av-small-margin=\’\’ av-small-margin_sync=\’true\’ av-small-padding=\’\’ av-small-padding_sync=\’true\’ av-mini-margin=\’\’ av-mini-margin_sync=\’true\’ av-mini-padding=\’\’ av-mini-padding_sync=\’true\’ color_options=\’\’ color=\’theme-color\’ custom_bg=\’#444444\’ custom_font=\’#ffffff\’ btn_color_bg=\’theme-color\’ btn_custom_grad_direction=\’vertical\’ btn_custom_grad_1=\’#000000\’ btn_custom_grad_2=\’#ffffff\’ btn_custom_grad_3=\’\’ btn_custom_grad_opacity=\’0.7\’ btn_custom_bg=\’#444444\’ btn_color_bg_hover=\’theme-color-highlight\’ btn_custom_bg_hover=\’#444444\’ btn_color_font=\’theme-color\’ btn_custom_font=\’#ffffff\’ btn_color_font_hover=\’white\’ btn_custom_font_hover=\’#ffffff\’ border=\’\’ border_width=\’\’ border_width_sync=\’true\’ border_color=\’\’ border_radius=\’\’ border_radius_sync=\’true\’ box_shadow=\’\’ box_shadow_style=\’0px,0px,0px,0px\’ box_shadow_color=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ hover_opacity=\’\’ sonar_effect_effect=\’\’ sonar_effect_color=\’\’ sonar_effect_duration=\’1\’ sonar_effect_scale=\’\’ sonar_effect_opac=\’0.5\’ css_position=\’\’ css_position_location=\’,,,\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’,,,\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’,,,\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’,,,\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’,,,\’ av-mini-css_position_z_index=\’\’ id=\’\’ custom_class=\’\’ template_class=\’\’ av_uid=\’av-m22b4qq2\’ sc_version=\’1.0\’ admin_preview_bg=\’\’]
[/av_one_half]
[av_one_fourth min_height=\’\’ vertical_alignment=\’av-align-top\’ space=\’\’ row_boxshadow=\’\’ row_boxshadow_width=\’10\’ row_boxshadow_color=\’\’ custom_margin=\’\’ margin=\’0px\’ av-desktop-margin=\’\’ av-medium-margin=\’\’ av-small-margin=\’\’ av-mini-margin=\’\’ mobile_breaking=\’\’ mobile_column_order=\’\’ border=\’\’ border_style=\’solid\’ border_color=\’\’ radius=\’\’ min_col_height=\’\’ padding=\’\’ av-desktop-padding=\’\’ av-medium-padding=\’\’ av-small-padding=\’\’ av-mini-padding=\’\’ svg_div_top=\’\’ svg_div_top_color=\’#333333\’ svg_div_top_width=\’100\’ svg_div_top_height=\’50\’ svg_div_top_max_height=\’none\’ svg_div_top_flip=\’\’ svg_div_top_invert=\’\’ svg_div_top_front=\’\’ svg_div_top_opacity=\’\’ svg_div_top_preview=\’\’ svg_div_bottom=\’\’ svg_div_bottom_color=\’#333333\’ svg_div_bottom_width=\’100\’ svg_div_bottom_height=\’50\’ svg_div_bottom_max_height=\’none\’ svg_div_bottom_flip=\’\’ svg_div_bottom_invert=\’\’ svg_div_bottom_front=\’\’ svg_div_bottom_opacity=\’\’ svg_div_bottom_preview=\’\’ fold_type=\’\’ fold_height=\’\’ fold_more=\’Read more\’ fold_less=\’Read less\’ fold_text_style=\’\’ fold_btn_align=\’\’ column_boxshadow=\’\’ column_boxshadow_width=\’10\’ column_boxshadow_color=\’\’ background=\’bg_color\’ background_color=\’\’ background_gradient_direction=\’vertical\’ background_gradient_color1=\’#000000\’ background_gradient_color2=\’#ffffff\’ background_gradient_color3=\’\’ src=\’\’ src_dynamic=\’\’ background_position=\’top left\’ background_repeat=\’no-repeat\’ highlight=\’\’ highlight_size=\’\’ fold_overlay_color=\’\’ fold_text_color=\’\’ fold_btn_color=\’theme-color\’ fold_btn_bg_color=\’\’ fold_btn_font_color=\’\’ size-btn-text=\’\’ av-desktop-font-size-btn-text=\’\’ av-medium-font-size-btn-text=\’\’ av-small-font-size-btn-text=\’\’ av-mini-font-size-btn-text=\’\’ animation=\’\’ animation_duration=\’\’ animation_custom_bg_color=\’\’ animation_z_index_curtain=\’100\’ parallax_parallax=\’\’ parallax_parallax_speed=\’\’ av-desktop-parallax_parallax=\’\’ av-desktop-parallax_parallax_speed=\’\’ av-medium-parallax_parallax=\’\’ av-medium-parallax_parallax_speed=\’\’ av-small-parallax_parallax=\’\’ av-small-parallax_parallax_speed=\’\’ av-mini-parallax_parallax=\’\’ av-mini-parallax_parallax_speed=\’\’ fold_timer=\’\’ z_index_fold=\’\’ css_position=\’\’ css_position_location=\’\’ css_position_z_index=\’\’ av-desktop-css_position=\’\’ av-desktop-css_position_location=\’\’ av-desktop-css_position_z_index=\’\’ av-medium-css_position=\’\’ av-medium-css_position_location=\’\’ av-medium-css_position_z_index=\’\’ av-small-css_position=\’\’ av-small-css_position_location=\’\’ av-small-css_position_z_index=\’\’ av-mini-css_position=\’\’ av-mini-css_position_location=\’\’ av-mini-css_position_z_index=\’\’ link=\’\’ link_dynamic=\’\’ linktarget=\’\’ link_hover=\’\’ title_attr=\’\’ alt_attr=\’\’ mobile_display=\’\’ mobile_col_pos=\’0\’ id=\’\’ custom_class=\’\’ template_class=\’\’ aria_label=\’\’ av_uid=\’av-azoj3\’ sc_version=\’1.0\’][/av_one_fourth]