What PACE means
Four ways to help, one name
PACE stands for planning, advising, coaching and educating. Some people need a full plan and others need a second opinion on one decision, so we start wherever you are.
P
Planning
A full financial plan that starts with your goals and covers retirement, taxes, insurance, investments and your estate.
A
Advising
A straight answer on a single decision, like buying a home or choosing when to retire, backed by numbers.
C
Coaching
Help building money habits that last, starting with a budget you can live with and a savings goal you can reach.
E
Educating
Plain-language explanations of your options, so you understand every choice before you make it.
What a full plan covers
Present Financial Position
A clear picture of where you stand today: cash flow, savings, debt and net worth, so your priorities get funded first.
Tax Planning
Decisions made throughout the year, like Roth conversions, charitable giving and withdrawal timing, aimed at lowering lifetime taxes.
Retirement Planning
How much income you'll need, where it will come from, and the order to draw on Social Security, pensions and savings so it lasts.
Protection Planning
Life, disability, health, long-term care and property coverage sized to your life, so one event doesn't undo years of progress.
Investment Planning
A portfolio built around your goals, timeline and comfort with risk, with attention to fees, diversification and which accounts hold what.
Estate Planning
Wills, trusts, beneficiary designations and powers of attorney kept current, so your assets pass the way you intend.
About me
Why I do this
I'm Tomasz Ciecierega, and most people call me CC. I came to this country as an immigrant, so I know what it takes to start over and build something from the ground up.
Someone once took the time to help me, and I want to do the same for you. I'm a husband and a dad of two, and family is the reason behind most of what I do.
I've also spent more than 14 years on active duty in the Army and moved my family across the country on short notice. For military families, planning with me is free.
MS in Finance (Financial Planning), ChFC®· AFC® ·FBS® · RICP®
What you can expect from me
I'll tell you what I see in your numbers, even when it isn't what you hoped to hear.
I listen more than I talk, and our meetings center on your questions.
Meetings start on time, and I follow through between them.
We'll laugh a little too, because money conversations can get heavy.
Who it's for
A plan for every generation in your family
Money decisions rarely stay with one person. Your plan should account for the people who depend on you today and the ones who will later.
Starting out
A first budget and a first savings goal, set up early so the habits stick before the bigger decisions arrive.
Raising a family
A home and college costs compete for the same dollars. We decide together what comes first and what can wait.
Near retirement
We test whether your savings can support the retirement you picture, and adjust while there's still time.
Retired
Turning savings into income you can plan around, then deciding how to spend your time and what to pass on.
How planning runs
Six steps, and you set the speed
1. Discovery
About an hour to talk through what you want from your money and see whether we're a fit.
2. Data gathering
You share your numbers and documents through online forms and a shared folder.
3. Plan design
I build your plan and test your goals against different scenarios, like retiring earlier or later.
4. Delivery
You get a two-page summary with where you stand, my recommendations and your next steps.
5. Action
We track every action item in one shared list, so you can see what's done and what comes next.
6. Reviews
We meet regularly, usually once a month, and update the plan as your life changes.
Resources
Tools and documents in one place
Whether you're already a client or still deciding, start here.
Client deliverables
Plan documents and guides for current and prospective clients.
[ADD YOUR LINKS HERE]
Online tools
Planning tools you can use on your own, any time.
[ADD YOUR LINKS HERE]
Questionnaires
Short forms that tell me what you need before we meet.
[ADD YOUR LINKS HERE]
PACE Financial LLC
Colorado Springs, Colorado · [YOUR EMAIL] · [YOUR PHONE]
PACE Financial does not manage investments or prepare tax returns. [YOUR DISCLOSURES]