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Victor Guettlein, CFP®

Risk-Managed Investing with Market Adaptive Portfolios to Help Investors Sleep Well at Night!

Blueprint Financial Services, Inc.



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Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -Other Financial Planning
  • Insurance
    • -Life Insurance
    • -Annuities
  • Pension Consulting
    • -401k
    • -403b
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients
    • -Other Portfolio Management


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Blueprint Financial Services, Inc. 1 year Mar 2019 - Present
Wealthsource Partners, LLC 2 years, 9 months Jul 2017 - Present
Blueprint Financial Services, Inc. 17 years, 6 months Jun 2000 - Dec 2017
Blueprint Financial Services, Inc. 24 years, 3 months Jan 1996 - Present
Victor T. Guettlein, Sole Proprietor 26 years, 6 months Oct 1993 - Present

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Victor Guettlein

Is it Time to Get Out of Bonds?
Published 2012-02-07 08:36:11
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    What are the best ways to play the stock market?
    Don't! The stock market is not a game; you don't "play" it. If you treat investing as a game, you will end up as a statistic. Rather, you should develop an investing PLAN around a set of financial GOALS. What you are trying to accomplish, the time you have to accomplish it, the amount you can sa...  (more)
    Answered Jan 2012
    Is there any 100% safe investment?
    Yes; pixie dust! All investments, including "guaranteed" investments carry risk. That said, some are more safe than others. Many investors are buying annuities these days. While they may have principal guarantees, those guarantees are only as good as the company behind the guarantee, and if you ...  (more)
    Answered Jan 2012
    Should I sell company stock to pay down personal debt?
    Alena, paying off high interest consumer debt is always a great idea! The only way to avoid short term gains, though, is to hold the stock for a year. If you have shares older than that, sell those first. Otherwise, my advice is that unless you are in a very high tax bracket, I wouldn't let the t...  (more)
    Answered Feb 2012
    What is the debt ceiling?
    A puffy white cloud that Congress frequently thinks it can just blast right through with no ramifications....  (more)
    Answered Jan 2012
    How important is picking mutual funds with 4 or 5 stars from Morningstar versus funds with extremely low fees?
    Star ratings offer a good view of what has already happened. It is useful to evaluate a fund's past performance and understand why it did or did not do well, but it may not be as useful in trying to determine how a fund will perform going forward. Low fee funds, like index funds, may be appropriat...  (more)
    Answered Jan 2012
    Do you review 403(b) plans in addition to 401k?
    Brightscope does indeed rate 403b plans, as well as 401k plans. Check this link out:, or just use the search bar on the top right side of the home page....  (more)
    Answered Feb 2012
    Do I pay taxes on a trust fund?
    The taxation of a trust will depend on whether it is a pass-through trust, in which case, each recipient pays tax at their own rate, or a trust with discretion to retain earnings and withhold payments, in which case the trust pays its' own, often higher, tax rate....  (more)
    Answered Jan 2012
    What are the advantages of using a "fee only" financial advisor?
    A "Fee-Only" advisor has fewer conflicts of interest than a strictly commission-based advisor or salesman, and is likely to provide you with more objective advice, fitting with a fiduciary standard of care. This does not mean, however, that a commission-based advisor cannot provide good advice. Ma...  (more)
    Answered Jan 2012
    Do I need to create an LLC or an Inc?
    Chris, this is general advice, but if you have a partner who is not your spouse, you will more than likely be best suited with an LLC. You should consult your tax professional or legal professional. A C-corporation is not a likely entity for a start-up business, in most cases....  (more)
    Answered Jan 2012
    I have 100% of my retirement money in a target date fund. Do you consider that diversified enough or not?
    Ryan, the other answers here a quite good. I would only add that you need to understand the underlying asset allocation for each fund you are considering. Each company that offers a series of target date funds builds them differently, and if you don't understand what they're actually buying you mi...  (more)
    Answered Jan 2012
    I'm two years into a 30 year mortgage at a 4.8% rate. Does it make sense to refinance to a 15 year at 3.25% or invest the $568/month that it would cost extra per month for a 15 year mortgage into retirement funds instead?
    Keep your 30 year mortgage! First, you've already paid all the upfront fees for it. Second, even if you want to pay it off earlier 30 years, you have the option to do so, but not the obligation. With a 15 year mortgage you will be required to. The 30 year gives you more flexibility. In this eco...  (more)
    Answered Jan 2012
    What should young professionals who leave the workforce temporarily do with their retirement plans?
    In addition to considering a rollover to an IRA, you may want to consider a Roth coversion. This will provide an opportunity for tax-free growth, rather than just deferring the tax liability...  (more)
    Answered Jan 2012
    Is this a good time for a young professional to buy property?
    Now is a decent time to buy real estate in many markets. But before you do, you need to make sure it fits your overall goals and plans. If this is to be your personal residence, do you like the place? Do you plan to stay in the area for some time? Or, is it likely that your job will take you to ...  (more)
    Answered Jan 2012
    How Can I find an advisor to help with divorce?
    You can begin by searching for a CFP professional near you. You'll want to know what their background and experience are, how they get paid, and whether they can or will serve you as a fiduciary. You may also want to cross-reference the CFP listings with references from divorce...  (more)
    Answered Jan 2012
    Is now a good time to buy a home? And how to a determine what I can "afford", eg what is the ideal mortgage payment to income ratio?
    It is also wise to consider whether you will be able to stay in the home long term. If your job has a likelihood of taking you to another city in the next 3 or 5 years, then you may be better off NOT buying. Remember, real estate is typically not very liquid....  (more)
    Answered Jan 2012
    Is standard deviation of portfolio returns the best way to think of "risk" of a portfolio?
    Remember, though, that desirable upside deviation is also penalized in the Standard Deviation measure. I would also look at other risk oriented measures including Beta, Treynor Ratios and Sortino Ratios, if you have the time and technical bent to do so. Another useful tool is to look at an investm...  (more)
    Answered Jan 2012
    Why should I invest in bonds when the typical return is lower than stocks?
    One way to think of this is that often times, bonds zig when stocks zag, and as a result you will typically have lower volatility and more steady returns than an all-stock portfolio. This is important because if you take two portfolios with the same average mean return, the one with the lower volat...  (more)
    Answered Jan 2012
    What is the difference between a stock and a bond?
    In the most simple terms: A stock represents ownership of a company. A bond represents an obligation of a company that has borrowed money from you and has an obligation to pay you back with interest. ...  (more)
    Answered Jan 2012
    What percentage of my income should I save for retirement?
    Mark, if you have the ability to do so, I recommend saving 10%-15% of your earnings every year. If you can do more, great. As others here have noted, maxing out the MATCH on your 401k is first priority. If there is a Roth option in your 401k, you would be well advised to put your contributions th...  (more)
    Answered Feb 2012
    How do I get an auto loan?
    Aleksandr, you can get a car loan at your local bank, credit union, or at a car dealership. It is a good idea to check with your credit union to see what you can qualify for BEFORE going to a dealership. The car dealer may or may not be able to give you a better deal than your credit union, but yo...  (more)
    Answered Feb 2012
    How much life insurance do I need?
    For starters, you should have enough insurance, preferably term insurance, to pay off the mortgage, pay funeral expenses, and provide a small liquidity cushion. Beyond that you can add amounts for supplementing a retirement nest-egg, or other wants or needs, should one of you meet an unfortunate an...  (more)
    Answered Jan 2012
    How do I know if my advisor is a Fiduciary?
    Ask them to put it in writing!...  (more)
    Answered Jan 2012
    Which financial planner designations are meaningful?
    CIMA is also a useful certification - Certified Investment Management Analyst...  (more)
    Answered Jan 2012
    Is foreclosure a smart thing to do?
    That's a very BIG question, and hard to answer without a lot more specifics. It depends. It should probably be avoided if possible. Have you considered a Short Sale, instead?...  (more)
    Answered Jan 2012
    How can I start saving for retirement if I'm a college grad with few funds and no benefits?
    Pay yourself first. Treat your savings as a bill and set it up for an automatic monthly withdrawal from your checking account. Even $25 or $50 per month adds up in time, and it establishes a good habit. You should consider an IRA, or even better, a Roth IRA. You will not get a current tax deducti...  (more)
    Answered Jan 2012
    When should I refinance?
    In addition to the traditional answers about when rates are x% lower than what you currently have, I recommend running an analysis showing the impact of sending all the mortgage closing costs in to your current mortgage as a one-time additional principal payment. You may find that it pays the mortg...  (more)
    Answered Jan 2012
    I am the CFO of my company and we offer a 401k plan, how do I know if I am a fiduciary?
    You are a fiduciary! Period, end of story. You can, however, delegate and mitigate the responsibility by hiring other professional fiduciary advisors....  (more)
    Answered Jan 2012
    I was told to invest more money in emerging markets. Should I do it?
    David, without knowing your particulars, I would say that you would likely be well served with an allocation to Emerging Market stocks and bonds because they represent an important diversifier to just owning stocks and bonds from developed countries like the US and the EU. Consider that China, Indi...  (more)
    Answered Jan 2012
    What happens to my 401K if my company files bankruptcy?
    Your money is YOUR money! As long as you have no company stock, you have no exposure to the company in this respect. You can contact your plan custodian for options to convert the plan to an IRA. You will also have the option to roll the plan balance to an IRA at an independent custodian such as ...  (more)
    Answered Jan 2012
    Are advisors seeing Alternative Assets going into 401k fund lineups?
    David, many plans are increasing the number of asset classes available to participants, including alternative asset classes such as Real Estate and Natural Resources/Commodities. There is also an increase in the availability of asset classes such as Emerging Markets, Foreign Bonds, and TIPS. Anoth...  (more)
    Answered Jan 2012
    If I have a large tax balance due in April because of my Roth IRA conversion, will I be able to avoid the underpayment penalties related to estimated taxes?
    You can avoid penalties if you make an estimated tax payment by January 17th, or file your return by the 31st. If you made the conversion in the 4th quarter you may have additional leeway. You should consult your tax professional as soon as possible....  (more)
    Answered Jan 2012
    Is it worth starting a traditional IRA if I can't contribute to a Roth IRA?
    Robert, does your 401k have a Roth option? If so, that would be a strong consideration, even if your company does not match. If you are a diligent saver, the likelihood of retiring in a lower tax bracket is very small, so any Roth savings would be advantageous. If you can convert part or all of a...  (more)
    Answered Jan 2012
    What's the right life insurance for me?
    Robin, in 95% of the cases, term insurance from a highly rated carrier is appropriate for most people. 20 or 30 year term is often a good choice to start with. Ultimately, the decision must revolve around the questions of what are you trying to protect, and for how long, and with what sort of budg...  (more)
    Answered Jan 2012
    How can I tell from bright scope report if I can do a non-hardship in service withdrawal ?
    Kevin, this information is best obtained from your plan document, or your HR department. In general, if you are over age 59 1/2, you should be able to access your 401k plan balance through an in-service distribution, presumably to roll into an IRA. Some plans will restrict access to money that was...  (more)
    Answered Feb 2012
    Traditional 401k or Roth 401k?
    Tyler, with 40 years to go until retirement, and considering that Roth distributions will be tax-free, rather than just tax deferred, it is a pretty good idea to get as much into the Roth option as possible. Your company match will still be pre-tax/tax-deferred anyway....  (more)
    Answered Jan 2012
    I was let go from a company i would like to get my 401-k?
    You should contact the Human Resources department of your former employer if you don't have any statements available. They can help point you in the right direction. If you do have statements, you can call the brokerage company to evaluate your options. In most cases, you will want to roll any pl...  (more)
    Answered Jan 2012
    Retirement Withdrawal?
    Debra, a rollover is the standard way to remove money from your 401k. It looks like you're in Broomfield. I am in Arvada. Feel free to reach out if. You'd like to discuss your options and bigger picture plans further. We offer a free initial consult. 303-422-7351....  (more)
    Answered Jan 2012
    How come I hear so little about Self Banking strategies these days and it was the rage for several years?
    Another factor the salesman will not share with you, probably because he is unaware of it himself, is that while you are drawing down your balances and accruing loan balances and interest, your insurance costs will be rising every year, thus increasing the drag on the policy and potential for failur...  (more)
    Answered Jul 2012
    Should I roll over my 401(k) to an IRA?
    Cory, as the others here have indicated, you will have more control and better investment options available to you in an IRA, compared to your 401k, in most cases. Before you do, you will want to ensure that an IRA has the same legal protections as a 401k does in your state. Most states offer the ...  (more)
    Answered Jan 2012
    What's the best way to get back into a 401K plan when your company does not currently offer one?
    Ben, unless your company plans to introduce a 401k, you cannot get back into one. The good news is that in many cases you can have an IRA or Roth IRA, and therefore still continue to save for retirement on a tax-advantaged basis. You can also roll a previous 401k into an IRA in order to increase y...  (more)
    Answered Jan 2012
    How do I set up a trust fund for my kids?
    The suggestion to read "Estate Planning Smarts" is not meant to replace competent advice. It is meant as a starting point for an individual that admittedly has no foundation at all, and wants to gain some understanding. The book is written in plain English for the layman, and can be read in sectio...  (more)
    Answered Feb 2012
    Should I invest in the stock market or mutual funds?
    Mutual funds and ETF's provide both depth and width of diversification. Unless you have a very large portfolio, it is hard to achieve the same levels of diversification on your own....  (more)
    Answered Jan 2012
    Where would you put leftover cash after you fund your 401k and if you have no debt?
    A Roth IRA is a great option because it provides you with tax-free growth and distributions. An often overlooked tax benefit of a Roth IRA is that since distributions are tax-free, they do not pile on top of other taxable income sources such as required minimum distributions (RMD's) from other reti...  (more)
    Answered Jan 2012
    Is it better to have a C-Corp or LLC for your consulting company?
    This is general advice, but based on the information you've provided, you should discuss setting up an S-Corporation with your CPA or attorney. Your salary is always subject to the Payroll tax: the company pays half, and you pay half. An S-Corp allows you to pay your self a reasonable salary for y...  (more)
    Answered Jan 2012
    Is it better to be in the hands of an individual advisor vs large bank wealth management?
    Without knowing your specific needs and circumstances, it's hard to answer that question in detail. If you have a very high net worth and need banking services as well, then a bank or large brokreage house may be the way to go. But there is a considerable amount of pressure in the bank/large broke...  (more)
    Answered Jan 2012
    Can I invest in Gold in my IRA?
    Darren, the only thing I'd add to the other excellent posts is that you would be wise to limit your investment in this speculative asset, via a Gold ETF, to no more than 5-10% of your portfolio. Otherwise, you are speculating, not investing. Gold will probably continue to do well for another year ...  (more)
    Answered Feb 2012
    Is it ok to ask my financial adviser what funds they invest their personal assets in?
    Absolutely! If an advisor doesn't "eat his own cooking", neither should you. This is also one of the fund selection criteria we use in picking funds for portfolios; we want fund managers who eat their own cooking, too. That said, your specific goals and situation may dictate that you have a diffe...  (more)
    Answered Feb 2012
    What is the maximum "gift" I can give before I am taxed?
    Gordon, you will also want to see if your state grants a deduction for contributions to a 529 plan, as that can give YOU a gift back by way of lower taxes....  (more)
    Answered Feb 2012
    Which option offers the most return for retirement:investing in an index ETF or a high yield fortune 500 company stock?
    Alex, unless you are prepared to live of the fluctuating dividend yield from a single stock or a large-cap ETF, you are putting your retirement security at risk. If you have a run of very good years at the beginning, you will probably be very happy. But if you need more than 1 or 2% of your portfo...  (more)
    Answered Feb 2012
    What are social security trust funds?
    Alonso, unfortunately, the Social Security Trust Fund has been raided by Congress and contains IOU's. Benefits are paid from current contributions to the system. The threat last summer was little more than political posturing....  (more)
    Answered Feb 2012
    Is now the time to invest some of my emergency savings?
    Zoe, most planners would agree that having between 3-6 months of emergency savings is a good idea. If your husband's new job is pretty solid and the income is stable, then you might consider a high quality short or ultrashort term bond fund to try to get a little more return than the bank is paying...  (more)
    Answered Feb 2012
    What is the outlook for Sara Lee this year?
    In a crumby economy, they could continue to have a cakewalk as people love comfort foods. So I'd say the outlook is definitely sweet. They definitely have grounds to pay the dividend you are curious about.Sorry, couldn't resist. Puns definitely intended.I must concur with Eric's and Jeffrey's a...  (more)
    Answered Aug 2012
    What is the better strategy: A Roth 401k or a Regular 401k?
    Ang - A benefit of the ROTH IRA that is often overlooked is that there is no requirement to take a distribution if you don't need one, as there is with IRA and other qualified retirement plans. Furthermore, distributions do not add to other taxable income sources like pensions, social security, IRA...  (more)
    Answered Feb 2012
    I need to know how to withdrawl my money. I cannot find a phone number to contact anyone.?
    Call the HR department at Mercy. They will be your best and fastest source of information....  (more)
    Answered Feb 2012
    How do I set up a trust fund for my kids?
    Vicky, this is a very big question. The first reasons you must have clear in your own mind are why you think you need a trust fund - what are you trying to accomplish that you cannot without a trust? What you would plan to fund it with? Who would be your trustees and other fiduciaries? Are there...  (more)
    Answered Feb 2012
    Are CDs good investments?
    NO! If your time horizon is anything more than ultra short-term, you will likely find that you lose purchasing power with a CD due to inflation. There are better alternatives....  (more)
    Answered Jan 2012
    I am almost 60 can i take out part of my 401k if so what do i do?
    You can most likely take an in-service distribution. Should you do so? Well that depends on a) what are your options inside the plan, and b) what are you trying to accomplish that you cannot inside the plan? Just because you can take out money doesn't mean you should. You really must start with ...  (more)
    Answered Jan 2012
    Who do i get ahold of to inquire about my 401-k?
    You should contact the Human Resources department of your former employer if you don't have any statements available. They can help point you in the right direction. If you do have statements, you can call the brokerage company to evaluate your options. In most cases, you will want to roll any pl...  (more)
    Answered Jan 2012
    Do I have the right mix of investments?
    Amelia, the only recommendation I'll add to the other excellent posts here is to pick up a book by Dr Craig Israelsen called "7Twelve: A Diversified Portfolio with a Plan" on Amazon. While a 70 or 80% stock portfolio might be "appropriate" for someone your age, I find that most people are more comf...  (more)
    Answered Feb 2012
    Is Social Security and 401K income counted towards income for tax purposes?
    Michael, adding to James excellent post above, if you have reached your Social Security full retirement age (FRA), you can only be taxed on up to 85% of your Social Security. If you are under FRA, then you can actually have Social Security benefits withheld if your wage earnings exceed certain thre...  (more)
    Answered Feb 2012
    How can I find out if In-Service Distribution is available on a client's company sponsored 401k Plan?
    The best way is to get a copy of the plan summary document directly from your client, or the HR department if the client has misplaced it. Alternately, the client can call HR with that direct question. In most cases, if an employee is over age 59 1/2, he or she is able to take an in-service distri...  (more)
    Answered Feb 2012
    Fee structures; what is normal?
    It also depends on what services you are receiving. If you are receiving financial planning advice along with investment advice, and your advisor is attentive, then this is a reasonable fee. If you are not receiving personal attention, and only get small adjustments to the portfolio on a rare occa...  (more)
    Answered Jun 2014
    170K annuity for MIL, 77. Take 1650/10 yr, or 1150/10 yr + lifetime? Can lock @ 3%. Take 10/yrs, or 10 plus lifetime?
    Assuming she already owns the annuity, then unless she is in poor health, it is better to take the lifetime payout so she can't outlive the income stream....  (more)
    Answered Jun 2014
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Dec 26, 2019
      • license status
        Not registered
      • disclosures
      • as of date
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on March 26, 2020
        • $17.5M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 65
          number of clients
        • $269.2K
          Estimated Average Account Balance Per Client

      Blueprint Financial Services, Inc.

      Last updated on March 29, 2017
        • $14.8M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 114
        • $129.8K
          Estimated Average Account Balance


      Types of Compensation Arrangements