Eric Scott Financial is dedicated to giving you a roadmap to help handle whatever twists and turns life throws at you. The drive to and through your retirement years is not without challenges. You have money saved, and it needs to last a long time. Will it? We can help.

Our Five Crossroads philosophy was developed to assist you in making sure all areas of your financial future are covered. Based on the book, written by Eric Scott Financial’s founder, we strive to help you find peace of mind knowing that the streetlights have been turned on, and you can clearly see the path ahead.



Two Paths Stand Before You. Which Will You Take?

The book, The Five Crossroads, written by Eric Scott, is what we are about. Everything we do to help our clients comes from the precepts written within its pages. Our process is simple. If you plan to live on a comfortable retirement income, then the growth of your assets will be a byproduct of that strategy.

By planning for each crossroad in your financial life, our goal is to help direct you toward the right course of action to cover your future needs. We never just look at one area. We take a holistic approach to planning. By looking at the big picture we strive to bring you the peace of mind of knowing you have coverage from every angle.

Down To Earth, Solid Advice…With Our Clients’ Needs Front And Center

Eric Scott Financial is an independent firm. That means we work for the sole interest of our clients. We do not sell proprietary products or have sales goals we need to obtain. We chose to be independent because we want to be free to be entirely objective towards our customers’ needs, and never want our financial decisions to be clouded by a big corporation’s agenda.

Let Eric Scott Financial Guide You Through the Crossroads Of Your Life



Retirement is not a destination. Retirement is a journey. You don’t arrive at the perfect retirement. You create it.

At Eric Scott Financial, we believe that one-size does NOT fit all. Retirees today are facing important decisions that can affect their retirement lifestyle by hundreds, thousands or even tens of thousands of dollars. The majority of financial professionals want to find an already-designed retirement plan that fits you closest. We believe retirement guidance isn’t about trying to fit you into a retirement plan, it’s about designing a tailor-made retirement plan that fits your needs perfectly.

We do this using our Five Crossroads philosophy – a process we use to get to know you and your individual retirement dreams and goals, as well as your strengths and weaknesses in your current retirement plan. What are The Five Crossroads?


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Investment advice is offered through APO Financial Services, LLC (“APO”) 10155 Westmoor Drive, Suite 175, Westminster, Colorado 80021-2627. APO Financial Services is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration with the SEC as an investment adviser should not be construed to imply that the SEC has approved or endorsed qualifications or the services Eric Scott Financial and/or APO Financial Services offers, or that its personnel possess a particular level of skill, expertise or training. Additional information pertaining to APO’s registration status, its business operations, services and fees, and its current written disclosure statement is available on the SEC’s Investment Adviser public website at