Insurance Solutions That Support Your Future at Every Stage
Are You Confused About What Insurance You Really Need?
Sorting through different insurance options can feel daunting—especially when your goals, family needs, and retirement plans are on the line. Many seniors wonder if they need every policy, or just the right mix for their unique situation. Capstone Planning Solutions brings decades of focused experience and an education-driven approach, making your options clear and the path forward simple. As a Colorado-based agency serving clients in Longmont, Denver, and across the state, we’ll help you feel confident you’re getting only what fits your needs.
"Paul was extremely professional, and all my questions and concerns were answered"
"I just wanted to send you a short note about my experience with Paul Hallmark at Capstone regarding my questions about the LTC insurance. Paul was extremely professional, and all my questions and concerns were answered promptly with all the pros and cons about the insurance. Even though I have decided not to sign up, Paul was very courteous and there was absolutely so pressure to change my mind. This was very much appreciated."
- Marianne W
"Paul’s service was quick and flawless"
"I am a COCPA member and my husband and I recently completed our Long-Term Care Insurance purchase through Paul Hallmark of Capstone Planning Solutions, LLC. We felt that the service provided by Paul was exceptional. During our initial meeting with Paul, he took the time to understand our needs and present the best alternatives to us to meet those needs. We had done some previous shopping for plans and we felt that Paul had a much greater understanding of the plans and was able to meet our needs from both a financial and a time standpoint. We felt that Paul’s service was quick and flawless through the entire analysis and application process. We feel like Paul Hallmark is an excellent resource for the COCPA and its members and we thoroughly enjoyed working with him."
- Diane J
Our Full Range of Insurance Services
Long-Term Care Planning & Insurance
What’s the right age to get coverage? How much does it cost in Colorado?
Protect your independence and savings from rising care costs. We guide you in evaluating if long-term care insurance fits your situation, comparing options from leading carriers.
Short-Term Care Insurance
A flexible solution for shorter care needs.
Designed for those seeking more affordable, limited-duration coverage or who may not qualify for traditional LTC insurance. Get clarity on how short-term plans can fill critical gaps.
Life Insurance & Final Expense
From estate protection to covering final expenses.
Capstone offers a range of life insurance policies, including options for seniors and final expense plans. We help you plan for your loved ones’ security and peace of mind.
Disability Income Insurance
Income protection for working seniors and pre-retirees.
For those still earning, disability insurance protects your paycheck in case of illness or injury. Capstone helps you determine if coverage is needed, and matches you with policies that fit your career and goals.
What to Expect When You Work With Capstone
Getting insurance right shouldn’t be overwhelming. We break down your choices by intent—care needs, income protection, legacy planning—and answer every question in plain English. Your plan is built around your goals, not a one-size-fits-all package. With one conversation, you get a holistic view and independent advice for your entire retirement picture.
Q:
Do I need every type of policy listed?
No. We help you sort out what actually fits your situation, so you’re never pressured into buying more than you need.
Q:
Can I get everything through one advisor?
Yes—Capstone Planning Solutions handles long-term care, life, disability, and more under one roof. That means consistent guidance and no need to juggle multiple agencies.
Q:
How do you help compare policies?
We work as an independent agent, so we shop the market for you. That means you’ll see the pros and cons of each option, explained clearly.
Q:
Is your advice high-pressure or sales-driven?
Never. Our education-first philosophy ensures you get honest guidance, even if it means advising against a policy that’s not the right fit.
Thank you for contacting us.We’ll get back to you as soon as possible.
We got it.
All Your Custodial Insurance Needs, Handled Here
Not sure which solution actually makes sense for your life? You’re not alone. In a free consultation, we’ll guide you through the options and help you decide what (if any) coverage is the right fit. As an independent agency based in Colorado and licensed in multiple states, Capstone customizes every plan with your family’s future in mind.
Thank you for contacting us.We’ll get back to you as soon as possible.
We got it.
Ready to begin?
You don’t have to take the next step alone — reaching out is already part of the work.
