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Retirement, Simplified

So, who is Dave Henderson and how can he help me?

Dave Henderson, CFP®, ChFC®, CLU® Photo
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Dave Henderson, CFP®, ChFC®, CLU®

So, who is Dave Henderson and how can he help me?  

I learned at a very early age what a profound impact money can have on people. Those lessons left an indelible impression on me that impact the work I do for my clients each and every day. Below are a couple of experiences that lead me to a career of helping my clients reduce taxes, invest smarter and retire on their terms. 

My parents were divorced when I was young, and my mom and I lived a very modest (poor) lifestyle. We got a lot of help from family over the years or I am not sure what would have happened to us. I will never forget the stress on my mom’s face every day as she was working two jobs and still struggled to make ends meet. When my grandfather passed away, she inherited some money, not a fortune but enough to help us tremendously! Unfortunately, she had nobody she could turn to for advice about how to handle that kind of money and in just a few short years it was all gone. The financial problems were back and most of all, the stress was back. I know that stress stole her joy and shortened her life and I do not want to see others suffer the same fate.

My second money lesson was when I was in economics class in high school, in the early 1980s, and I learned about a great “program” called an Individual Retirement Account (IRA). The teacher showed us how we could put away $2,000 per year and assuming it earned a certain rate of return we could have $1 million by age 65!! That was almost impossible to believe for someone from my background. A million dollars!! I went to my bank and opened an IRA in March of my senior year. I was on my way to financial freedom. By July of that year the lesson (and excitement) had waned a bit and besides, my 1970 Camaro needed new tires. You guessed it, I closed my IRA, paid the taxes and penalties to the IRS and bought new tires.

Wow, I am off to a great start in life financially! 

I learned a lot about finances while I was young. Some of those lessons were painful but I found myself fascinated with money and how it worked so in 1995 I found my way into the financial services world. I love this business and I love working with people to help them avoid some of the kinds of mistakes I have lived. Most importantly, I want to help people avoid the stress that I used to see on my mother’s face.  

In case you are curious… 

I am part of a great team here in Englewood, CO at Jenkins Wealth where my clients and I have all of the support we could possibly need. I am a CERTIFIED FINANCIAL PLANNER™ professional (CFP), Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU). These highly respected designations give me professional credibility, but I think the experience outlined above gives me the heart, compassion and judgement to really make a difference in people’s lives. 

What does working with Dave look like?

 When I am not helping people plan their retirements…

I am blessed to have spent over a quarter of a century with my beautiful wife, Kristi. We have one daughter, a great son-in-law and a precious grandson who we get to spoil! Kristi and I are both Colorado natives and we live in SE Aurora with our two Labradoodles, Jax & Landry, who we also spoil! I love to get outside for golf, a bike ride or a hike. When inside I enjoy sampling one of Colorado’s great micro-brews or a glass of red wine. I value faith, family and good times with friends.

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Jenkins Wealth

I am very fortunate to be part of a great team of CERTIFIED FINANCIAL PLANNER™ PROFESSIONALS and additional team members who take great care of me and my clients.

Jenkins Wealth is built on a biblical foundation. We believe that God instructs all of us to be good stewards of our money, and we have faithfully committed ourselves to helping others achieve the success that God has planned for their financial lives.

As a registered investment advisory firm, we are held to a fiduciary standard. This is important when seeking counsel for your financial well-being because it means we have an obligation to always look out for your best interest.

The world of investment advice is plagued with conflicts of interest, obscure disclosures, and an overall lack of transparency. We don't operate that way. We believe in creating trust through transparency. Working with an investment advisor who will act as your fiduciary can help to eliminate many of the problems associated with commission-oriented, product-focused salespeople.

Because a fiduciary is required by law to give full disclosure of how they are paid as well as any conflicts of interest they may have before you do business with them, you as the consumer are in a better position to make an informed decision.

Jenkins Wealth does not charge commissions for any sales, trades, or investment transactions inside our managed portfolios, as is common with many broker dealers. This fee method of compensation is important, as it puts our clients’ interests first. Our clients can remain confident that any investment recommended will be based on meeting their financial objectives.

Meet the Jenkins Team

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Market Guard™

"The strength of the team is each individual member.

The strength of each member is the team."  - Phil Jackson

The Market Guard™ investment methodology was built off of the idea that we are stronger together, than we are apart.  For this reason, we have partnered with Market Guard™ to help empower my clients with the highest probability of investment success while helping to protect their investments along the way.

To learn more about our powerful investment platform, click on the link below.


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CFP® Professional


Most people think all financial planners are “certified,” but this isn’t true. Just about anyone can use the title “financial planner.” Only those who have fulfilled CFP Board's rigorous requirements can call themselves a CFP® professional.

CFP® professionals are held to strict ethical standards. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can call themselves a CFP® professional.

Financial planning is a dynamic process. Your financial goals may evolve over the years due to shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you’re working with someone committed to providing the high standard of financial planning


Although many professionals may call themselves “financial planners,” CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand the complexities of the changing financial climate and know how to make financial planning recommendations in your best interest.

Unlike many financial advisors, CFP® professionals are required to develop their theoretical and practical knowledge by completing a comprehensive course of study at a college or university with a curriculum approved by the CFP Board.
CFP® professionals must pass the comprehensive CFP® Certification Exam, which tests their ability to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. The average pass rate for this difficult exam is only 55 percent to 60 percent. This comprehensive exam ensures that CFP® professionals are highly qualified to develop a plan for your finances.
CFP® professionals must meet a specific required level of experience in the financial planning process prior to earning the right to use the CFP® certification marks. This hands-on experience guarantees that CFP® professionals have practical financial planning knowledge, so you can count on them to help you create a realistic financial plan that fits your individual needs.
When it comes to financial planning, CFP® professionals are held to the highest of standards. CFP Board’s Code of Ethics outlines CFP® professionals’ obligations to uphold principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence. The Rules of Conduct require CFP® professionals to put clients’ interests above their own, and to provide their financial planning services as a “fiduciary” — acting in the best interest of their financial planning clients. CFP® professionals are subject to sanctions if they violate these standards.
CFP Board’s rigorous enforcement of its Standards of Professional Conduct — including releasing disciplinary information to the public — distinguishes the CFP® certification from the many other designations in the financial services industry. Anyone who seeks CFP® certification is subject to a background check, and those whose past conduct falls short of CFP Board’s ethical and practice standards can be barred from becoming certified. After attaining certification, a CFP® professional who violates CFP Board’s ethical and practice standards becomes subject to disciplinary action, which could include the permanent revocation of certification. Through diligent enforcement of its ethical and practice standards, CFP Board provides you with the confidence that your CFP® professional is both competent and ethical.