WELCOME TO BRIDGE POINT FINANCIAL
Client-Focused Wealth Management with Community Impact
At Bridgepoint Financial, we combine 40+ years of financial advisory experience to build, manage and preserve your wealth through personalized solutions and exceptional service. As an award-winning and community-minded team, we’re committed to helping you reach your financial goals with practical investment solutions.
CONFIDENTIALITY
Protecting the confidentiality of your information is of the utmost importance to our team. We adhere to strict data protection standards to ensure all personal and financial details are secure and protected. Your trust is paramount, and we are committed to safeguarding your information and keeping it confidential within our team.
QUALITY
Our team combines industry experience with ongoing professional development to stay informed of the latest financial trends and regulations. We meticulously tailor strategies to meet your unique financial goals, always aiming for the highest standard of excellence.
TRANSPARENCY
Transparency is a priority in all our interactions, ensuring clear communication to keep you informed at every step, with no surprises. All costs and expenses related to our recommendations will be disclosed upfront. Our commitment is to provide honest and straightforward advice, ensuring you understand every aspect of your financial plan.
EXPERT FINANCIAL GUIDANCE FOR EVERY STAGE OF LIFE
Our Services
Wealth Preservation
Portfolio construction focused on preserving and growing wealth through changing markets.
RETIREMENT PLANNING
Income planning, Social Security optimization and retirement confidence.
Executive Compensation
Deferred compensation, stock options, bonuses, retirement plans and executive benefits.
Tax-Efficient Strategies
Investment and withdrawal strategies designed to improve after-tax outcomes.
Legacy Planning
Helping families efficiently transfer wealth while protecting what matters most.
RSU & Equity Management
Helping executives maximize stock compensation while minimizing unnecessary tax exposure.
Dedicated Professionals For Your Financial Success
Meet Our Expert Financial Team
Managing Principal/Certified Financial Planner™
Jeffrey A. Rittner, CFP®
Jeff grew up in Lakewood and graduated from Colorado State
University. He is married to his wife, Allison, and together they have three adult children and two dogs. They actively support Colorado State University, RamStrength™, Realities for Children, and are members of Timberline Church in Fort Collins.
As a Certified Financial Planner™ Jeff offers extensive experience and expertise to provide high-quality professional financial guidance. He is dedicated to helping clients achieve their goals with practical and realistic advice.
Managing Partner/Financial Advisor
Timothy P. Doud
Tim, originally from Massachusetts, graduated from Colorado State University and began his practice in 2009. He enjoys spending time with his wife Samantha, their two kids, Layla and Walker, and their two Golden-Doodles. Tim is a proud Ram-Fan, loves to woodwork, and spends weekends in the mountains.
With many years of experience and expertise, Tim is a seasoned financial advisor who works with clients of all ages and backgrounds, taking an individualized approach to each client’s situation and goals.
DETAILS & DELIVERABLES
How It Works
1. INITIAL CONSULTATION
The first step is a meeting to discuss your financial goals and current situation. This helps us understand your needs and tailor our recommendations accordingly.
2. DATA GATHERING
We will collect detailed financial information, including your income, expenses, assets, and liabilities. This data enables us to craft a personalized financial strategy designed to achieve your goals.
3. STRATEGY DEVELOPMENT
Using the gathered data, we create a comprehensive financial and investment plan tailored to your goals. This plan will manage all aspects of your portfolio, ensuring thorough and effective wealth management.
4. STRATEGY IMPLEMENTATION
Through open conversations, we provide clear advice and recommendations, presenting a step-by-step plan to help you achieve your financial goals effectively. We are with you every step of the way.
5. MONITORING & ENGAGEMENT
We will maintain ongoing communication and monitor your portfolio, ensuring you understand your investments and prioritize your long-term goals. We will discuss adjustments as necessary to keep your financial and investment plan aligned with your objectives.
Frequently Asked Questions
Bridgepoint is an independent wealth management firm. That means our advice is built around the client rather than around a bank, proprietary investment platform, or corporate sales structure.
You work directly with the people responsible for your financial strategy and investment decisions. We combine investment management, financial planning and ongoing advice in one relationship, with the flexibility to adapt as your finances, family and goals change.
We work with individuals, families, business owners, executives and retirees across a wide range of financial circumstances.
Many of our clients come to us when their financial lives have become more complicated – retirement is approaching, assets are spread across multiple accounts, a business or property has been sold, equity compensation has grown, an inheritance has been received, or they simply want someone actively overseeing the entire picture.
You do not need to have everything figured out before contacting us. That is part of our job.
When we provide investment advisory services, we act as fiduciaries and are required to put our clients’ interests first.
Bridgepoint advisors may also provide certain brokerage, insurance or other financial services under different regulatory standards. When that applies, we explain the capacity in which we are acting, how we are compensated and any material conflicts associated with the recommendation.
We believe clients should understand both what they own and why they own it.
Most of our wealth management relationships are fee-based, with an advisory fee calculated as a percentage of assets under management. As account values grow, our advisory fee schedule generally declines at higher asset levels.
Certain brokerage, insurance or other financial products may instead involve commissions or other forms of compensation.
Before you become a client, we explain the applicable fees, compensation structure and services so you know what you are paying and what you are receiving for it.
We do not apply a single investment minimum to every relationship.
The more important question is whether our services are a good fit for the complexity of your situation and the help you need. Some clients come to us with substantial investment portfolios, while others are earlier in the process of accumulating wealth or experiencing a financial transition.
A short introductory conversation is usually enough to determine whether working together makes sense.
Bridgepoint does not take custody of client assets.
Client investment accounts are generally held with established third-party custodians, including Charles Schwab, while Bridgepoint provides advice and management authority according to the terms of the client’s account and advisory agreements.
This structure allows clients to view their accounts independently of Bridgepoint and receive statements and reporting directly from the custodian.
Yes. Although Bridgepoint is headquartered in Fort Collins, we work with clients in multiple states.
Meetings can be conducted in person, by phone or by video, and clients have online access to their accounts and financial information wherever they live.
Our ability to provide particular services depends on applicable licensing and registration requirements.
The first conversation is primarily about fit.
We want to understand your situation, what prompted you to contact us, what is working today and what you would like to improve. You should also use the meeting to understand how we think, how we work with clients and what working with Bridgepoint would cost.
There is no expectation that you make a decision during the meeting.
If there appears to be a good fit, we will explain the next steps clearly. If there is not, we will tell you that too.
No. Portfolio management is important, but investments are only one part of a financial life.
Depending on the client, our work may include retirement planning, income planning, tax-aware investment decisions, Social Security and pension analysis, estate-planning coordination, insurance and risk management, college planning, stock compensation, charitable giving, business-owner planning and other financial decisions.
When outside legal or tax expertise is required, we can work directly with your CPA, attorney and other professional advisors rather than forcing you to coordinate everyone yourself.
Yes. A surprising number of people come to us with accounts accumulated across former employers, brokerage firms, insurance companies and old advisory relationships.
We can help inventory those accounts, evaluate what should remain where it is, determine whether consolidation is appropriate, and handle much of the administrative process when accounts need to be transferred.
Consolidation is not automatically the right answer, so we evaluate each account before recommending a change.
Yes.
Some of the most important financial decisions cross between investment, tax, estate and legal planning. With your permission, we regularly coordinate with CPAs, estate attorneys, insurance professionals and other advisors involved in your financial life.
If you need a professional you do not currently have, we can also help identify appropriate resources.
We start by understanding what you already have before recommending what should change.
That generally includes reviewing your investment accounts, retirement plans, income needs, liabilities, insurance, estate-planning structure, tax considerations and the goals that matter to you.
From there, we identify priorities, build an investment and planning strategy, organize necessary account transfers or changes and establish an ongoing review process.
We are not interested in changing things simply to make them “ours.” If something you already own makes sense, we can recommend keeping it.
There is no arbitrary once-a-year communication schedule.
Some clients want scheduled reviews and very little communication between them. Others have complex situations that require frequent conversations throughout the year. We build the communication cadence around the client.
More importantly, you can contact us when something changes. Retirement decisions, market volatility, a business transaction, a new job, an inheritance or a major purchase should not have to wait until your next annual review.
Clients receive secure online access to their investment accounts through the applicable custodian and reporting platforms.
You can view balances, holdings, transactions and account documents online without having to contact our office for basic account information. Our team remains available when you need help interpreting what you are seeing or making a financial decision.
A broker-dealer provides independent financial advisors with access to a wide range of financial products, investment tools, and regulatory support, enabling us to tailor recommendations to client needs and navigate compliance requirements. We chose Centaurus Financial, Inc. as our broker-dealer because of their robust support system, independence from shareholders, and commitment to allowing advisors to efficiently run their practices while remaining compliant with industry regulations.
Yes, we offer financial services tailored specifically for businesses. Our services cover various aspects such as financial planning, investment strategies, risk management, employee retirement plans, and more. We aim to help your business thrive and achieve its financial goals.