Working with C2 Advisory

Hi, I'm Erik Cox, one of the founders of C2 Advisory, and I help retirees and people approaching retirement avoid costly mistakes that drain savings, increase taxes, and create unnecessary risk. I have been offering retirement advice since 2017.

Who We Are

Our advisory is a husband and wife team, Erik and Melissa Cox, who started this business when we saw the problems our own relatives were facing with biased or incomplete advice in retirement.We live in Bailey, Colorado just outside of Denver. Our main office is in Conifer, Colorado, and we have some flex offices we use in Denver too.We also work with many people behind the scenes. We have a whole team dedicated to helping with the ins-and-outs of Medicare insurance and another team who helps with case design on income-for-life products and HealthGuard™.If you have a financial advisor you don’t feel you are getting the best from, we also have reliable, honest people we can refer you to, but that will always be independent from our retirement strategy discussion.Unlike other advisors, we don’t just have one company we work with in any aspect of our business. We have tools to do the research to find a good fit for your exact situation, after we have met with you to determine what is important to you.

Who This is For

  • Are approaching retirement

  • Are already retired but not sure if they’ve gotten the best advice

  • Want to understand their options through education

  • Want clarity, not confusion

  • Want to maximize Social Security benefits, fit to their lifestyle

  • Need help choosing the right Medicare coverage

  • Want a clear and actionable retirement income blueprint

  • Want to make confident decisions backed by expertise

Who This is NOT For

  • People who need help with portfolio management and investment selection and advice

  • People who are still in the accumulation phase and growing their wealth

  • People who are satisfied with the "60/40, withdraw 4%” approach

  • People who don’t have retirement savings

How We Work Together

C2 Advisory always starts with education, not sales. Our process is simple, practical, and focused on getting you results:

  • Attend a Free Educational Workshop: Join us at a local community library for a no-pressure learning session. Understand how Medicare, Social Security, and retirement income planning work together. Walk away with knowledge you can use — whether you work with us or not.

  • Discovery & Clarity: If you'd like personalized guidance, we review your specific Social Security options, Medicare needs, income goals, retirement timeline, and any gaps between retirement and Medicare eligibility. I learn what matters most to you.

  • Your Retirement Strategy Blueprint: You receive a clear, customized plan covering your Social Security timing, income bridging strategy, marketplace coverage solutions, Medicare selection, HealthGuard ™ Account structure, and overall income plan — all coordinated to work together.

  • Implementation & Guidance: I walk with you through every decision: choosing your Medicare plan, filing for Social Security and structuring your income. You always know what to do next.

How We Get Paid

We picked our revenue model based on this: We want to give the best advice we can and never have to send someone an invoice.The products C2 represents pay us a percentage of what you buy. The money they pay us doesn’t increase your costs because it comes out of their money, not yours. If you decide you want to work with me, we will have a full disclosure of compensation because I think it is important that you know.Since we work with many companies this way, our advice is based on research and your needs, not who pays a bonus that quarter.

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