Steve Cruz is co-owner of Three Points Financial, a fee-only fiduciary financial planning firm. He specializes in tax planning, retirement strategies, and investment management.
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Steve Cruz is co-owner of Three Points Financial, a fee-only fiduciary financial planning firm that he operates alongside Mary Alpers. The firm specializes in comprehensive financial planning, including investment strategies, tax planning and preparation, and retirement planning.
As a fiduciary advisor, Cruz emphasizes putting clients' interests first and providing objective financial guidance. Three Points Financial operates on a fee-only model, meaning the firm does not earn commissions on product sales, allowing for unbiased advice on savings, investments, and tax efficiency strategies.
Cruz is a regular guest on the Kim Monson Show, where he discusses practical financial planning topics for listeners. His appearances have covered subjects ranging from tax deadline reminders and Roth conversion strategies to maintaining disciplined investment approaches during market volatility. He has also addressed broader economic topics, including inflation impacts on retirement planning and the importance of focusing on controllable factors in uncertain economic environments.
Beyond technical financial advice, Cruz has shared perspectives on the relationship between money and happiness, emphasizing that material possessions do not correlate with fulfillment and encouraging listeners to invest in relationships and experiences rather than things.
February 3, 2023
Civic Engagement & Grassroots
Kurt Gerwitz, Paige Agostin, Roger Hays, Steve Cruz. February 3, 2023.
“With so many unknowns out there, sticking to an investment plan makes sense. You have to have discipline and not react emotionally to short-term market movements.”
January 6, 2023
Colorado Politics & Policy
Wade Miller, Steve Cruz, Tina Peters, Rod Bockenfeld, Eli Bremer. January 6, 2023.
“529 education accounts. Accounts that have been maintained for at least 15 years are now a way to transfer up to $35,000 lifetime to Roth IRAs.”
December 9, 2022
Allen Thomas exposes media gaslighting of conservatives. Bill Rutledge shares the Heisman story. Friday, December 9, 2022.
“The potential returns of investing in the relationships in our lives are a whole lot higher than any financial investment we can make.”
November 25, 2022
Richard C. Lyons traces the administrative state's growth while Dr. James Lyons-Weiler exposes vaccine mandate hypocrisy on November 25, 2022.
“It really comes down to contentment. Are we content with what we have? And then also, much more than things, the research shows that experiences, the experiences that we share with people, other people, those are the things that really give us some happiness.”
October 28, 2022
Terri Goon on judicial retention, Rick Turnquist on voting Republican, and Carolyn Martin on school choice funding dangers. October 28, 2022.
“A lot of outcomes are outside of the individual control. So we help people really focus on what can you control.”
July 22, 2022
Health freedom advocates discuss Colorado organizing while Dr. Jill Vecchio warns about rationing tied to climate policy. Broadcast July 22, 2022.
“With the market down, there's less you know to convert over, so it's cheaper and then you'll you get the growth tax-free.”
May 13, 2022
Dr. Rae Ann Weber on constitutional coroners, Lauren Fix on gas prices, and Rick Turnquist on abortion politics. May 13, 2022.
“We help people come up with a plan, an investment plan, a disciplined approach, and we try to remove as much emotion as we can from the investment decision-making process so that we avoid, we help people avoid some of these big mistakes that happen when we're making emotional investment decisions.”
April 8, 2022
Erin Lee exposes transgender recruitment in schools. Randall O'Toole traces densification to communist origins. April 8, 2022.
“If you've got those three major areas taken care of, it gives you a better shot of weathering, you know, good economic times, bad economic times, and we're just making it through.”
January 21, 2022
Constitution & Rule of Law
Allen Thomas examines why Supreme Court wins are not victories but attacks repelled. Steve Cruz on tax implications of child credits. January 21, 2022.
“Yeah, the three points, tax planning and taxes, investments, and then retirement and financial planning. And we believe that, you know, all those three things need to be addressed cohesively to make best progress financially.”
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