✔️ Early Withdrawals: With rising living costs and economic uncertainty, more Americans are tapping into retirement savings early. Understand the penalties for withdrawing from your IRA or 401(k) ahead of schedule — and learn smart strategies to help avoid them.

Over Contributions: In a year of market volatility and shifting income levels, contribution mistakes are more common than ever. Find out how to correct excess contributions to your IRA or 401(k) and steer clear of costly penalties.

RMD Mistakes: As new retirement rules and tax adjustments continue to evolve, missing a Required Minimum Distribution (RMD) can be an expensive oversight. Identify current penalties and how to quickly address any errors before tax season.

Inherited Account Taxes: With new regulations impacting inherited retirement accounts, it’s critical for beneficiaries to understand the tax burdens they may face. Explore effective ways to reduce these liabilities and protect more of your family’s wealth.

Beneficiary Updates: In today’s fast-changing world, life events like marriages, divorces, or family changes can leave retirement account beneficiaries outdated. Learn the risks of missing updates and how to keep your accounts current to safeguard your legacy.

... and more!

Clearly defining your financial goals is the first step toward achieving your retirement dreams.

We’ll do this together by taking a detailed inventory of your retirement resources, goals, and concerns. Along the way, you’ll gain valuable education, resulting in greater confidence in your financial position. You will attain a clear vision of where you are and what steps you need to take to achieve your desired outcome. You’ll receive answers to your questions and gain knowledge that empowers you to take control of your financial future.

When you partner with our firm, you receive a customized plan that goes beyond just asset allocation. BMA clients understand the importance of our consultative planning process, designed to:

✔ Optimize accumulation

✔ Minimize risk

✔ Mitigate taxes

Our clients appreciate our conservative approach to financial planning—one that allows them to live comfortably today, maintain an income stream for tomorrow, and protect their legacy for the future.

“If you don’t know where you’re going, you’ll probably end up somewhere else.”

Mark Heffington is the CEO of Blue Marble Advisors, LLC, a Colorado-based company. His goal is to help his clients identify insurance and financial gaps while defining creative solutions so they can achieve their financial dreams.

Mark’s credo, “If you want to change the world, invest in it… if you want to invest in the world, invest in you!”, reflects his commitment to both the financial well-being of his clients and the personal empowerment that lies within each of us. He is proud to have received a Humanitarian Award for his efforts in the community. As an avid soccer player and skier, he enjoys volunteering annually at an underprivileged children’s sports camp in Denver.

A Colorado native, Mark graduated from Golden High School in 1985 before attending Colorado State University, where he studied Business Management. Recognizing his passion for business and financial consulting, he furthered his education at Barnes Business College, earning his designation as a Chartered Senior Financial Planner (CSFP).

Throughout his career, Mark has trained advisors for top firms across the state, successfully managing expansion efforts for Allstate, Transamerica, and Prudential. His primary focus is consulting with families and individuals on all aspects of insurance, including:

Home & Auto Insurance
Mortgage Protection
Long-Term Care Planning
Medicare Planning

Mark continues to dedicate his career to helping clients make informed financial decisions, ensuring they are protected and prepared for the future.

From the CEO, to the administrative team, to the company representatives, the professionals at BMA have your interest in mind. We apply our decades of combined experience towards transforming the lives of our clients. We recognize the need to protect families’ incomes, livelihood and vision of retirement. BMA clients sleep well at night knowing that their retirement plans utilize proven strategies, backed by math and science. The BMA planning process has allowed our clients to prosper, not just survive. They appreciate our experience, and see value in working with us to design their comprehensive plan. Our clients flourish through extreme economic challenges, and have peace of mind in good and bad markets. They don’t worry about outliving their money.
You can’t change the direction of the wind, but you can adjust your sails to reach your destination.

Market Volatility & Retirement Risks:

Costly IRA/401(k) Mistakes to Avoid Now – Live Webinar

Next Session: Monday, May 12th at 7:00 PM MT
(6:00 PM PT / 8:00 PM CT / 9:00 PM ET)

AS SEEN ON

401(k) Losing Value?Volatility Making You Anxious?Blue Marble Advisors Can Help!

Join us for our exclusive webinar to learn:

Why Blue Marble Advisors?

A ONE-OF-A-KIND EVENT

5 Reasons Why This Webinar Is A Must Attend

1

2

3

4

5

Blue Marble Advisor's CEO

Mark Heffington