Our team is your team
Elderado Financial was founded to help individuals and families achieve their goals and financial security by providing practical advice with openness and specialized financial expertise. Our directive has always been to consistently offer qualified and ethical financial advice combined with care and concern for what’s best for our clients. We are an independent firm providing full customer care and a team approach so that our clients have easy access to our services. Our advisors focus on taking care of our client’s needs along with our service staff so that whenever you call or email, someone is available to help you. Our clients expect us to help them solve their ever-changing needs so we strive to change with the times to stay current. With over 58 years of combined experience, our firm is not only financially competent, but empathetic to the real issues of financial planning and preparing for retirement in our current climate. We serve clients both in our state of Colorado and most of the United States.
Connect
First, we will identify your investment objectives by asking you about your financial goals. We will explore important concerns such as your risk tolerance, your tax situation, your investment time horizon, your plans for retirement, and whether or not you want to take current income from your portfolio.
We help you define the following answers and make a plan to meet your goals.
What steps do you need to take to achieve the goals you have for you and your family?
What are your priorities and what matters most?
How will you stay focused to achieve your primary goals?
What are your strengths, opportunities and obstacles for achieving your goals?
Plan
Next, we will help you develop a financial plan designed to achieve your goals. This will include your investment plan with expected investment returns, your ideal asset mix between stocks and bonds and the general types of securities that are suitable for you. Other assets such as investment properties, pension plans, 401k or 403b will be factored into your plan so that you have a comprehensive view of your financial life. We help you develop a personalized path to attain your goals by identifying your core values.
Grow
We will be responsible for the day-to-day management of your investment portfolio, choosing individual securities or mutual funds that meet your objectives and executing trades on your behalf.
Monitor
We will watch your portfolio and make adjustments as necessary. In addition to your regular investment account statements, you will also receive periodic updates to tell you how you are doing. We measure and monitor your success along the path by providing answers to:
How am I doing?
Am I staying on track towards my goals?
Are my investments performing well and suitable to my comfort with risk and loss?
Will I have a comfortable retirement?
Is my future secure?
Will my spouse be comfortable should I die first?
Will my children’s inheritance be safe?
Jim Elder
Founder & Financial Planner
Jim Elder is the founder and principle of ElderAdo Financial, Inc. His primary role is to formulate investment policy for the firm’s clients, assist clients with financial planning to achieve their goals, and monitor client’s progress. Mr. Elder advises on estate planning, asset protection, and strategies for managing a family’s wealth. Elder recently authored a financial book titled “WealthCare”, a 285 page hardcover book providing practical information and solutions for today’s complex financial field. He was editor of a periodic publication titled “Dollars and Sense” and founded the “Financial Health Fair”, a 501(c)3 Colorado Non-Profit Organization to educate the Denver, Colorado community on financial principles. Along with his wife Janet, Jim hosted the financial portion of the television program “Living for Tomorrow” on the Daystar Network, 1995 – 1998. Mr. Elder conducts numerous financial seminars and is active member of Rotary International.
Jaimee Carnes, CFP®, FRCSM
CERTIFIED FINANCIAL PLANNER® FEDERAL RETIREMENT CONSULTANT℠
Jaimee Carnes is a Certified Financial Planner® and Federal Retirement Consultant℠ at ElderAdo Financial who is passionate about helping clients achieve their financial goals. Her expertise is in overall financial planning and advice. Jaimee also specializes in assisting federal employees with their retirement decisions. Additional subjects of expertise are in estate planning and tax planning. As a fiduciary, she educates and guides clients to feel comfortable in their finances as well as be good stewards of their wealth.
Jaimee grew up working in the financial planning business with her parents at ElderAdo. She has a degree in Business Management from Northern Arizona University. In addition, she has experience in the financial industry from her tenure in various supervisory roles at Vanguard Investments. In her spare time, Jaimee is on the board of her local Rotary Club, a founding board member of the Greater Montrose Chamber of Commerce, and facilitates a Financial Peace University Course to help teach others the basics of financial success. She enjoys being active outdoors, traveling, baking, playing the bass guitar on the worship team at church, and spending time with her husband and sons.
Nathan Manes, CFP®
CERTIFIED FINANCIAL PLANNER® FINANCIAL ADVISOR
Nathan Manes is a financial planner who is passionate about meeting clients where they are. He strives to understand the unique situation of each client in order to help them simplify their financial life.
Nathan has a Bachelor’s of Science in Business Administration with concentrations in management and marketing from Colorado State University. Prior to joining ElderAdo, he was a financial advisor at a different firm where he focused on assisting businesses and young families in navigating change. In his free time, he enjoys hiking with his wife and dog, golfing, fly fishing, and hunting.
Daniel Carnes, CBDA
INVESTMENT ANALYST & FINANCIAL PLANNER DIGITAL ASSETS COUNCIL OF FINANCIAL PROFESSIONALS
Daniel Carnes is the investment analyst and a financial planner at ElderAdo with industry experience on the advanced trading desk at Charles Schwab. He is enthusiastic about market trends, investment analysis, and digital assets (aka cryptocurrencies). Daniel obtained his Digital Assets Council of Financial Professionals (DACFP) Certificate in Blockchain and Digital Assets in 2021 and is passionate about this new investment vehicle. At ElderAdo Financial, he researches potential investments and leads investment committee meetings to determine what best meets our clients’ needs.
Daniel has a Bachelor’s of Science in Computer Information Technology from Southern New Hampshire University. In his free time, Daniel speaks about finances and digital assets at numerous events/talk shows and facilitates a Financial Peace University Course to help teach others the basics of financial success. He enjoys grilling, online gaming, listening to music, soccer, and spending time with his wife and sons.
Janet Elder
Chief Investment Officer
Janet Elder specializes in managing and monitoring investment portfolios. She is responsible for the research and recommendation of investment vehicles such as securities and mutual funds. Ms. Elder constructs portfolios that match the client’s needs and risk tolerance. Janet completed the coursework for the Certified Senior Advisor Designation. She is a graduate of Phillips University where she earned a Bachelors of Science. Ms. Elder served on the Board for the Montrose Chamber of Commerce and was a member of Altrusa, a community service organization.
Charity Willis
Office Manager
Charity Willis is in charge of administrative organization and customer service. She is the welcoming face and voice when clients contact the firm and ensures that the flow of tasks in the office runs smoothly and assists in daily client transactions. Whether you need money sent out to your bank, forms completed, or have changes for your account, Charity is ready to help. Charity also operates our client relationship management software, schedules consultations, and assists with developing marketing materials.
Charity has over 6 years of financial industry experience and 9 years of customer service experience. She loves building relationships with clients and enjoys helping in any way she can. In her free time, Charity enjoys spending time with her family, traveling and eating good food.
Jessica Armbruster
Associate Advisor
Jessica Armbruster provides support to our senior advisors and specializes in monitoring portfolios, generating performance reports, and creating marketing materials. She loves talking with our clients and when you call the office it’s very likely you’ll speak with her. Her own financial journey and years of financial industry experience ignited her passion for supporting others to maintain their financial freedom. Jessica loves spending her time off relaxing at home and adventuring outdoors with her husband and three sons.
Adam Miller
CERTIFIED FINANCIAL PLANNER™ Professional & Chartered Advisor in Philanthropy
Adam Miller is a CERTIFIED FINANCIAL PLANNER™ and a Professional & Chartered Advisor at ElderAdo Financial. As a trusted fiduciary and fee-only financial planner, he works to help families preserve and manage their assets. By encouraging families to communicate their values, he helps them to make an impact by sharing their wealth and wisdom with the people and organizations they care about.
Adam is also a member of the International Association of Advisors in Philanthropy. He has written many articles on financial planning and philanthropy to help people make a difference by realizing their full capacity.
Doge
Office Greeter & Emotional Support
As you enter our office you may be welcomed by our official greeter, Doge. He’s a friendly standard poodle who absolutely loves our visitors. He wears many hats and also helps provide emotional support to our employees and clients during tough times. Doge was name after the cryptocurrency Dogecoin. Come by and say hi to our office pup!