<!doctypehtml><html class=no-js lang=en><head id=Head1><meta charset=utf-8><meta content=IE=edge http-equiv=X-UA-Compatible><meta content=width=device-width,initial-scale=1.0 name=viewport><meta content="FMG Suite"name=generator><link rel="shortcut icon"href=//static.fmgsuite.com/media/images/521fa2a9-7cd1-4716-94f4-7707bfdcc725.ico type=image/x-icon><link href=//static.fmgsuite.com/media/images/87225b23-966e-434e-b570-c97f9dc5319b.png rel=icon sizes=32x32 type=image/png><link href=//static.fmgsuite.com/media/images/1927820d-6243-4261-aa4f-d7637ee00727.jpg rel=apple-touch-icon><link href=//static.fmgsuite.com/media/images/1927820d-6243-4261-aa4f-d7637ee00727.jpg rel=icon sizes=152x152><title>
   An Arm and a Leg | Scott Sanford CFP®, AEP®, CLU®, ChFC®
  </title><meta content="index, follow"name=robots><meta content=summary name=twitter:card><meta prefix="og: http://ogp.me/ns#"content=http://static.fmgsuite.com/site/templates/global/img/assets/largethumb/271-largethumb-b.jpg property=og:image><meta content=http://static.fmgsuite.com/site/templates/global/img/assets/largethumb/271-largethumb-b.jpg name=twitter:image><meta content="An Arm and a Leg"prefix="og: http://ogp.me/ns#"property=og:title><meta content="An Arm and a Leg"name=twitter:title><meta content="A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be."prefix="og: http://ogp.me/ns#"property=og:description><meta content="A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be."name=twitter:description><script type=application/ld+json>
   {
  "@context": "https://schema.org",
  "@type": "FinancialService",
  "@id": "http://www.HarmonyPCA.com/",
  "name": "Harmony Private Client Advisers",
  "logo": "//static.fmgsuite.com/media/images/18e4a5d1-9cd3-41a9-9e45-84b74ecf4cd5.png",
  "image": "//static.fmgsuite.com/media/images/879d261f-5baf-454e-bd53-f80fade7e930.jpg",
  "url": "http://www.HarmonyPCA.com/",
  "telephone": "(720) 490-4793",
  "priceRange": "N/A",
  "address": {
    "@type": "PostalAddress",
    "streetAddress": "Colorado Center Tower 1 , 2000 S Colorado Blvd Suite 3700",
    "addressLocality": "Denver",
    "addressRegion": "CO",
    "postalCode": "80222",
    "addressCountry": "US"
  },
  "location": [
    {
      "@type": "PostalAddress",
      "streetAddress": "Colorado Center Tower 1, 2000 S Colorado Blvd Suite 3700",
      "addressLocality": "Denver",
      "addressRegion": "CO",
      "postalCode": "80222",
      "addressCountry": "US",
      "telephone": "(720) 490-4793"
    }
  ],
  "sameAs": [
    "https://www.linkedin.com/in/scottsanford"
  ]
}
  </script><script>(function (f, b) {
            var c;
            f.hj = f.hj || function () { (f.hj.q = f.hj.q || []).push(arguments) };
            f._hjSettings = { hjid: 36513, hjsv: 4 };
            c = b.createElement("script"); c.async = 1;
            c.src = "//static.hotjar.com/c/hotjar-" + f._hjSettings.hjid + ".js?sv=" + f._hjSettings.hjsv;
            b.getElementsByTagName("head")[0].appendChild(c);
        })(window, document);</script><link href=//static.fmgsuite.com/site/templates/007/dist/7ac.css?v=2.86.45.25237.233 rel=stylesheet><style>@import url("//fonts.googleapis.com/css?family=Marcellus+SC");



/* #032A56  #032A56 #00609E */
a{
    color:#00609E;
}
h1, h2, h3, h4,
h1 a, h2 a, h3 a, h4 a
{color:#032A56;}


.back-to-top{background: #00609E; }

.c-topnav__navbar {
    background: #00609E;
}

.c-topnav__menu-item .c-topnav__menu-text {
    color: #fff;
}

.angleLeft,
.angleRight {
    background: #fff;
}
.c-topnav__submenu {
    background:rgba(83,94,92,1);
}
.c-topnav__menu-item:hover .c-topnav__menu-text {
    background: #00609E;
    color: #fff;
}

li.c-topnav__submenu-item a {
    color: #fff;
}

.c-circle {
    background:rgba(47,54,52,1);
}
@media (min-width:992px) {

    .c-topbar {
        background:#032A56;
        color:#fff;
    }
    .c-topbar a {
        color:#c1c1c1;
    }
    .c-topbar a:hover{
        color:#00609E;
    }
    .c-topnav__navbar {
        background:none;
    }

    .c-topnav__menu-item .c-topnav__menu-text {
        color: #032A56;
    }
    .c-topnav__menu-item .c-topnav__menu-text.selected{
        background: #00609E;
        color: #fff;
    }

    .c-topnav__submenu {
        background:rgba(34,34,34,.95);
    }

    .c-topnav__menu-item:hover .c-topnav__menu-text {
        background:#00609E;
        opacity:.80;
    }

    .c-topnav__submenu-item:hover{
        background:#00609E;
    }
    
} /* END MEDIA */

/*HERO*/


@media (min-width: 992px) {
    .top-bar  {background:#032A56;}
}

.c-btn {
    color: #00609E;
    background: none;
    border: solid 1px #00609E;
}

.c-btn:hover,
.c-btn:focus,
.c-btn:active {
    text-decoration: none;
    color: #fff;
    background-color: #00609E;
}
.c-additional__content {
    background-color: #F8F8F5;
}

.c-additional__content--small .c-accordion__link {
    background: #00609E;
}

.c-additional__content nav a {
    color: #032A56;
}
.c-additional__content nav a:hover{
   background: #00609E;
   color: #fff;
}

.c-additional__content nav .selected {
    color: #fff;
    background: #00609E;
}

.c-additional__content h4 a {
    color: #666;
}

.c-additional__content .viewAll a,
.c-additional__content h4 a:hover {
    color: #032A56;
}

.c-additional__content--small .panel-heading {
    background: #00609E;
}

.c-matter-flag__body {
    background: #00609E;
}
.c-matter-flag__body:hover{
    opacity:.95;
}
.c-team-member__info a{
    color:#00609E;
}

footer {
    background: #032A56;
    color: #fff;
}

footer h4 {
    color: #fff;
    text-decoration:underline;
}

footer a {
    color: #fff;
}
footer a:hover{
    color: #D8D8D6;
}
.quickLinks ul a {
    color: #fff;
}
.quickLinks ul a:hover{
    color: #D8D8D6;
}
footer .c-socialMedia a {
    color: #fff;
}

footer .c-socialMedia a:hover {
   color: #fff;
}


.article-008 th,
.article-012 th,
.article-017 th {background-color:#00609E}

/*CONTENT GATE MODAL*/
.c-popup__submit {
    color:#00609E; border-color:#00609E; background:#00609E;
}
.c-popup__submit:hover {
    opacity:0.75;
}

.c-matter__meta {
    color: #032A56;
}

.c-matter__pull-quote {
    background-color: #00609E;
    color: #fff;
}

/*EVENTS
//==================================================*/
.c-event__date-box {
    border-color: #00609E;
}
.c-event-date--day {
    color: #00609E;
}

h1, h1 a, h2, h2 a, h3, h3 a, h4, h4 a  {font-family: Marcellus SC, serif;}

h1, h1 a                    {font-size: 2em;}
h2, h2 a                    {font-size: 1.5em;}
h3, h3 a                    {font-size: 1.17em;}
header h3		            {font-size: 34px;}
h4, h4 a                    {font-size: 18px;}
header h4		            {font-size: 24px;}</style><style media='"(min-width:481px)"'>.widgetfont {
&#8194;&#8194;&#8194;&#8194;color: #ff0000;
}</style><style>/* Hide Home Button - Dev Theme */
@media screen and (min-width: 992px) {
    #mainNav li.c-topnav__menu-item:first-child {
         display: none;
    }
}</style><style>/* Mobile Header Optimization Fix */
@media screen and (max-width: 767px) {
    /* Color for Hamburger Menu Button when Mobile Menu Open */
    #mainNav .c-topnav__navbar-btn .c-navbar__toggle.c-circle__expand .c-hambuger-bar,
    #mainNav .c-topnav__navbar-btn .c-navbar__toggle.c-circle__expand .c-hambuger-bar:before,
    #mainNav .c-topnav__navbar-btn .c-navbar__toggle.c-circle__expand .c-hambuger-bar:after {
        background: #FFF;
    }
}
@media screen and (max-width: 991px) {
    /* Color for Hamburger Menu Button when Mobile Menu Closed */
    #mainNav .c-topnav__navbar-btn .c-navbar__toggle .c-hambuger-bar,
    #mainNav .c-topnav__navbar-btn .c-navbar__toggle .c-hambuger-bar:before,
    #mainNav .c-topnav__navbar-btn .c-navbar__toggle .c-hambuger-bar:after {
        background: #000;
    }
}</style><style>/* Mobile Navigation Colors Snippet */
@media (max-width: 991px) {
    /* Mobile Text Color */
    #mainNav .c-topnav__menu-text {
        color: #ffffff;
    }
    /* Mobile Background Color */
    .c-circle,
    .c-topnav__navwrapper.c-circle__expanded {
        background: #032A56;
    }
}</style><body class="video subpage page-rc-an-arm-and-a-leg"><a class=back-to-top href=#top> <i class="fa fa-angle-up"> </i> </a><header class="c-header-centered c-header c-header--optimized"style=background-color:#f8f8f8><div class=c-topbar style=background-color:#032a56><div class="c-topbar__container o-container"><div class=c-topbar__inner style=color:#ffffff;><div class=c-topbar-location--primary><div class=c-topbar-address><p class=c-topbar-address--link href=#><span class=c-address-street> <i class="fa fa-map-marker c-map-marker-icn"> </i> Colorado Center Tower 1 </span> <span class=c-address-street2> 2000 S Colorado Blvd Suite 3700 </span> <span class=c-address-city itemprop=addressLocality> Denver, </span> <span class=c-address-region itemprop=addressRegion> CO </span> <span class=c-address-postalcode itemprop=postalCode> 80222 </span></div><div class=c-topbar-phone><a class=c-topbar-phone--link href=tel:7204904793 style=color:#ffffff;> <i class="fa fa-phone c-topbar-phone-icn c-phone--icn"> </i> (720) 490-4793 </a></div><div class="c-topbar-email c-no-phone-email"><a class=c-topbar-email--link href=mailto:info@HarmonyPCA.com itemprop=email style=color:#ffffff;> <i class="fa fa-envelope c-topbar-email-icn c-email--icn"> </i> info@HarmonyPCA.com </a></div></div><div class=c-topbar-cta-links><div class=c-social-media><a class="c-social-media--link br-linkedin"rel="noopener noreferrer"aria-label=LinkedIn href=https://www.linkedin.com/in/scottsanford target=_blank> <i class="fa fa-linkedin"aria-hidden=true> </i> </a></div><div class=c-header-btn><a rel="noopener noreferrer"style="color:#ffffff;background-color:rgba(159, 161, 164, 1);border-color:#9fa1a4;"class=c-header-btn--link href=https://www.harmonypca.com//client-portal target=_blank> <i class=c-icn--lockopen> </i> Login to your accounts </a></div></div></div></div></div><div class=c-header--overylay><div class="c-header__container o-container"><div class=c-header__inner><div class=c-template__logo><a class=c-logo--link href=https://www.harmonypca.com/> <img alt="Scott Sanford CFP<sup><sup>&amp#174;</sup></sup>, AEP<sup><sup>&amp#174;</sup></sup>, CLU<sup><sup>&amp#174;</sup></sup>, ChFC<sup><sup>&amp#174;</sup></sup> Home"class="c-logo--image img-responsive"id=agentLogo src=//static.fmgsuite.com/media/images/18e4a5d1-9cd3-41a9-9e45-84b74ecf4cd5.png> </a></div></div></div></div></header><style>/* Text color */
        
            .c-topnav__menu-item .c-topnav__menu-text.c-topnav__menu-text.c-topnav__menu-text {
                     color: #ffffff;
                                     background: #032a56;
            }
        
        
            .c-topnav__navbar-btn .c-navbar__toggle .c-center-bar,
            .c-navbar__toggle .c-center-bar:before, .c-navbar__toggle .c-center-bar:after {
                background-color: #ffffff;
            }
        

        .c-topnav__menu-item:hover .c-topnav__menu-text.c-topnav__menu-text.c-topnav__menu-text {
             color: #9fa1a4;
             background: #f8f8f8;
             opacity: .8;
        }
            
        .c-topnav__menu-item .c-topnav__menu-text.c-topnav__menu-text.c-topnav__menu-text.selected{
            opacity:.95;
        }
        
        
    /* No toggle */
                
                @media (max-width:992px) {
                    nav.c-topnav__navbar.c-topnav__navbar.c-topnav__navbar {
                      background-color: #f8f8f8;
                    }
                }
                
                
                @media (min-width:992px) {
                    nav.c-topnav__navbar.c-topnav__navbar.c-topnav__navbar {
                        background-color: #032a56;
                    }
                }</style><nav class="c-topnav__navbar c-nav-centered c-nav-text--center c-header--optimized"data-tag=qa-nav-007 id=mainNav><div class=c-topnav__outer-wrapper><div class=c-topnav__navbar-btn><button class="c-navbar__toggle js-navbar__toggle"type=button><span class=sr-only> Menu </span> <div class="c-hambuger-bar c-center-bar"></div></button></div><div class=c-template__logo--mobile><a class=c-logo--link href=https://www.harmonypca.com/> <img alt="Scott Sanford CFP<sup><sup>&amp#174;</sup></sup>, AEP<sup><sup>&amp#174;</sup></sup>, CLU<sup><sup>&amp#174;</sup></sup>, ChFC<sup><sup>&amp#174;</sup></sup> Home"class="c-logo--image img-responsive"id=agentLogoMobile src=//static.fmgsuite.com/media/images/18e4a5d1-9cd3-41a9-9e45-84b74ecf4cd5.png> </a></div><div class="c-topnav__navwrapper js-circle-nav"><ul class=c-topnav__container><li class=c-topnav__menu-item><a class=c-topnav__menu-text href=https://www.harmonypca.com/> <span> Home </span> </a><li class="c-topnav__menu-item c-nav__dropdown"><a aria-expanded=false class=c-topnav__menu-text href=https://www.harmonypca.com/scott-sanford-cfp-aep-clu-chfc role=button> <span> What We Do </span> </a> <a class=js-dropdown__toggle data-toggle=dropdown href=javascript:void(0)> <span> <span alt=Navigation class=subnavButton>   </span> <span class="angleDown angleLeft"> </span> <span class="angleDown angleRight"> </span> </span> </a> <ul class="c-topnav__submenu js-accordion__submenu"><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/p/mission> Our Mission </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/p/areas-of-expertise> Areas Of Expertise </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/p/products-services> Products & Services </a></ul><li class="c-topnav__menu-item c-nav__dropdown"><a aria-expanded=false class=c-topnav__menu-text href=# role=button> <span> Who We Are </span> </a> <a class=js-dropdown__toggle data-toggle=dropdown href=javascript:void(0)> <span> <span alt=Navigation class=subnavButton>   </span> <span class="angleDown angleLeft"> </span> <span class="angleDown angleRight"> </span> </span> </a> <ul class="c-topnav__submenu js-accordion__submenu"><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/team> Pics and Bios </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/p/professional> Professional </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/p/personal> Personal </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/p/community-involvement> Community Involvement </a></ul><li class="c-topnav__menu-item c-nav__dropdown"><a aria-expanded=false class=c-topnav__menu-text href=https://www.harmonypca.com/resource-center role=button> <span> Resource Center </span> </a> <a class=js-dropdown__toggle data-toggle=dropdown href=javascript:void(0)> <span> <span alt=Navigation class=subnavButton>   </span> <span class="angleDown angleLeft"> </span> <span class="angleDown angleRight"> </span> </span> </a> <ul class="c-topnav__submenu js-accordion__submenu"><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/resource-center/investment> Investment </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/resource-center/retirement> Retirement </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/resource-center/tax> Tax </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/resource-center/insurance> Insurance </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/resource-center/money> Money </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/resource-center/lifestyle> Lifestyle </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/resource-center/estate> Estate </a></ul><li class="c-topnav__menu-item c-nav__dropdown"><a aria-expanded=false class=c-topnav__menu-text href=https://www.harmonypca.com/tools role=button> <span> Tools </span> </a> <a class=js-dropdown__toggle data-toggle=dropdown href=javascript:void(0)> <span> <span alt=Navigation class=subnavButton>   </span> <span class="angleDown angleLeft"> </span> <span class="angleDown angleRight"> </span> </span> </a> <ul class="c-topnav__submenu js-accordion__submenu"><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/useful-links> Useful Links </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/tools/tax-resources> Tax Resources </a><li class=c-topnav__submenu-item><a href=https://www.harmonypca.com/tools/glossary> Glossary </a></ul><li class="c-topnav__menu-item c-nav__dropdown"><a aria-expanded=false class=c-topnav__menu-text href=https://www.harmonypca.com/compliance role=button> <span> Compliance & Fees </span> </a><li class="c-topnav__menu-item c-nav__dropdown"><a aria-expanded=false class=c-topnav__menu-text href=https://www.harmonypca.com/contact role=button> <span> Contact </span> </a></ul><div class=c-header-nav--btn><a rel="noopener noreferrer"class=c-header-nav-btn--link href=https://www.harmonypca.com//client-portal target=_blank> Login to your accounts </a></div></div><div class="c-circle js-circle__expand"></div></div></nav><div class=body-container><section class=o-content__container id=content><article class="c-matter c-matter--detail c-matter--video"><h1 class=c-matter__title>An Arm and a Leg</h1><p class=c-matter__summary>A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.<div class=c-matter__container><section class=c-matter__content><iframe class="wistia_embed video-player"allowfullscreen allowtransparency frameborder=0 height=354 mozallowfullscreen msallowfullscreen name=wistia_embed oallowfullscreen src=//fast.wistia.com/embed/iframe/y6zjyd01c2?videoWidth=630&videoHeight=354&volumeControl=true&controlsVisibleOnLoad=false&autoPlay=true&endVideoBehavior=reset webkitallowfullscreen width=630></iframe></section></div><div class=c-matter__share><div class="addthis_toolbox addthis_default_style"><a class=addthis_button_compact href=//www.addthis.com/bookmark.php?v=250&pubid=ra-4de97c2f14d0d95b target=_blank> Share </a><span class=addthis_separator> | </span><a class=addthis_button_preferred_1> </a><a class=addthis_button_preferred_2> </a><a class=addthis_button_preferred_3> </a><a class=addthis_button_preferred_4> </a></div><script>var addthis_config = {
        "data_track_clickback": true
    };</script><script src=//s7.addthis.com/js/250/addthis_widget.js#pubid=ra-4de97c2f14d0d95b></script></div><section class=c-matter__form-container><div class="c-matter__form form"><h2>Have A Question About This Topic?</h2><form class="contactForm c-question__form"action=https://www.fmgwebsites.com/E8D391D8-98F6-454C-A596-08CE5ABD16F8/cms-core/forms/contactform/submit method=post><input name=SourceUrl type=hidden value=https://www.harmonypca.com/resource-center/lifestyle/an-arm-and-a-leg><input name=PreferredContactMethod type=hidden value=Email><input value="Have A Question About This Topic?"name=MessageSubject type=hidden><div class=o-form-grid__collapse><div class=contactName><label for=CFBNameText id=CFBName>Name</label><span aria-labelledby=CFBName class=field-validation-valid data-valmsg-for=Name data-valmsg-replace=true> </span><input aria-labelledby=CFBName class=text-box data-val=true data-val-required=*required id=CFBNameText name=Name></div><div class=contactEmail><label for=CFBEmailText id=CFBEmail>Email</label><span aria-labelledby=CFBEmail class=field-validation-valid data-valmsg-for=Email data-valmsg-replace=true> </span><input aria-labelledby=CFBEmail class=text-box data-val=true data-val-regex=*invalid data-val-regex-pattern=^[\w\.=-]+@[\w\.-]+\.[\w]{2,10}$ data-val-required=*required id=CFBEmailText name=Email><span class=formRobo> <label for=CFBAddressText id=CFBAddress>Address</label> <input aria-labelledby=CFBAddress id=CFBAddressText name=Address> </span></div><div class=contactMessage><label for=CFBMessageText id=CFBMessage>Message</label><span aria-labelledby=CFBMessage class=field-validation-valid data-valmsg-for=Message data-valmsg-replace=true> </span><textarea aria-labelledby=CFBMessage cols=20 id=CFBMessageText name=Message rows=2></textarea></div></div><input aria-label="Submit form"class="c-btn submit"type=submit value=Submit><span class=loading> </span><span class="msg formSuccess"> Thank you! </span><span class="msg formError"> Oops! </span></form></div></section><div class=c-matters__container><section class="c-matters c-matters--small c-matter-list"id=suggested><h2>Related Content</h2><section class="c-matter content left asset-060"><div class="c-matter__thumbnail thumbnail"><a class=c-matter__link href=https://www.harmonypca.com/resource-center/lifestyle/choosing-a-mortgage> <img alt="Choosing a Mortgage"class=c-matter__image src=//static.fmgsuite.com/site/templates/global/img/assets/largethumb/060-largethumb-a.jpg> </a><div class="c-matter__body caption"><h3><a href=https://www.harmonypca.com/resource-center/lifestyle/choosing-a-mortgage> Choosing a Mortgage </a></h3><p>Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.</div></div></section><section class="c-matter content asset-098"><div class="c-matter__thumbnail thumbnail"><a class=c-matter__link href=https://www.harmonypca.com/resource-center/lifestyle/lots-of-variables-with-fixed-rate-mortgages> <img alt="Lots of Variables with Fixed-Rate Mortgages"class=c-matter__image src=//static.fmgsuite.com/site/templates/global/img/assets/largethumb/098-largethumb-a.jpg> </a><div class="c-matter__body caption"><h3><a href=https://www.harmonypca.com/resource-center/lifestyle/lots-of-variables-with-fixed-rate-mortgages> Lots of Variables with Fixed-Rate Mortgages </a></h3><p>When selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.</div></div></section><section class="c-matter content asset-091"><div class="c-matter__thumbnail thumbnail"><a class=c-matter__link href=https://www.harmonypca.com/resource-center/lifestyle/managing-your-lifestyle> <img alt="Managing Your Lifestyle"class=c-matter__image src=//static.fmgsuite.com/site/templates/global/img/assets/largethumb/091-largethumb-a.jpg> </a><div class="c-matter__body caption"><h3><a href=https://www.harmonypca.com/resource-center/lifestyle/managing-your-lifestyle> Managing Your Lifestyle </a></h3><p>Using smart management to get more of what you want and free up assets to invest.</div></div></section></section></div></article></section></div><div class=footer-container><footer><section class="o-container c-footer__container"><div class=o-grid__collapse><div class=c-footer__contact><div class=contact><h4>Contact</h4><div class=moonlight-contact-information><p class=moonlight-phone>Office:  <a href=tel:7204904793> (720) 490-4793 </a><div class=moonlight-address_block><p><p class=moonlight-address1>Colorado Center Tower 1<p class=moonlight-address2>2000 S Colorado Blvd Suite 3700<p></p><span class=moonlight-city> Denver, </span><span class=moonlight-region> CO </span><span class=moonlight-postalcode> 80222 </span></div><p><a href=mailto:info@HarmonyPCA.com> info@HarmonyPCA.com </a></div><div class=c-socialMedia><a rel="noopener noreferrer"aria-label=LinkedIn class=linkedin href=https://www.linkedin.com/in/scottsanford target=_blank> <i class="fa fa-linkedin"aria-hidden=true> </i> </a></div></div></div><div class=c-footer__quick-links><section class=quickLinks><h4>Quick Links</h4><ul><li><a href=https://www.harmonypca.com/resource-center/retirement> Retirement </a><li><a href=https://www.harmonypca.com/resource-center/investment> Investment </a><li><a href=https://www.harmonypca.com/resource-center/estate> Estate </a><li><a href=https://www.harmonypca.com/resource-center/insurance> Insurance </a><li><a href=https://www.harmonypca.com/resource-center/tax> Tax </a><li><a href=https://www.harmonypca.com/resource-center/money> Money </a><li><a href=https://www.harmonypca.com/resource-center/lifestyle> Lifestyle </a><li><a href=https://www.harmonypca.com/resource-center/articles> All Articles </a><li><a href=https://www.harmonypca.com/resource-center/videos> All Videos </a><li><a href=https://www.harmonypca.com/resource-center/calculators> All Calculators </a><li><a href=https://www.harmonypca.com/resource-center/presentations> All Presentations </a></ul></section></div><div class=c-footer__disclosure><section class=note><p class=boker-check-disclaimer>Check the background of your financial professional on FINRA's <a rel="noopener noreferrer"href=//brokercheck.finra.org/ target=_blank> BrokerCheck </a> .<p class=globalDisclosure>The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.<p class=globalPersonalInformationLink>We take protecting your data and privacy very seriously. As of January 1, 2020 the <a href=https://www.caprivacy.org/ target=_blank> California Consumer Privacy Act (CCPA) </a> suggests the following link as an extra measure to safeguard your data: <a href=https://www.harmonypca.com/donotsellmypersonalinformation> Do not sell my personal information </a> .<p class=globalCopyright>Copyright 2020 FMG Suite.<p class=globalDisclaimer><p><span style="font-size: x-small;"> <em> Harmony Private Client Advisers offers investment Advisory Services through Vista Private Wealth Partners, LLC a separately SEC registered investment advisor.   It is important that you do not use e-mail to request, authorize or effect the purchase or sale of any security or commodity, to send fund transfer instructions, or to effect any other transactions. Any such request, orders, or instructions that you send will not be accepted and will not be processed by Harmony Private Client Advisers.  Harmony Private Client Advisers is not responsible for the marketability or price performance of any security.  Stated security prices are subject to continual change without notice, and past performance is not a guarantee of future performance.  Harmony Private Client Advisers and its officers, employees, affiliates and members of their families may make investments in any company or security mentioned before, after, or concurrently with the publication of this report. </em> </span><p><span style="font-size: x-small;"> <em> Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. </em> </span><p></section></div></div><div class=o-grid__collapse><div class=c-footer__custom></div></div><div class=rule2> </div></section></footer></div><script src=//static.fmgsuite.com/site/templates/007/dist/scripts.js?v=2.86.45.25237.233></script><script>$(document).ready(function() {
    // ------------------------------------------------------------------
    // Home Icon
    // ------------------------------------------------------------------
 
    var homeIcon = '<i class="fa fa-home" aria-hidden="true" />';
 
    $('#mainNav li.c-topnav__menu-item:first-child a span').replaceWith(homeIcon);
    $('#mainNav li.c-topnav__menu-item:first-child').fadeIn();
}):</script><script>var FMG = {
    "RootLocation": "https://www.harmonypca.com/",
    "SecureLocation": "https://www.fmgwebsites.com/E8D391D8-98F6-454C-A596-08CE5ABD16F8/",
    "LeavingSiteDisclaimer": null,
    "PartyPublicIdentifier": "356223"
  };</script><script>var _gaq = _gaq || [];
            _gaq.push(['_setAccount', 'UA-24680519-10']);
            _gaq.push(['_trackPageview']);
            
            
            (function () {
                var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true;
                ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js';
                var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s);
            })();</script><script>//Site 24x7 RUM Code
    var rumMOKey = "bf43c1778f8d741b80145273d2fd6586";
    (function () {
        if (window.performance && window.performance.timing && window.performance.navigation)
        {
            var site24x7_rum_beacon = document.createElement('script');
            site24x7_rum_beacon.async = true;
            site24x7_rum_beacon.setAttribute('src', '//static.site24x7rum.com/beacon/site24x7rum-min.js?appKey=' + rumMOKey);
            document.getElementsByTagName('head')[0].appendChild(site24x7_rum_beacon);
        }
    })(window)</script>