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Complete Spectrum Financial Services, LLC.

Financial planner · Lakewood, CO · reviewed since 2024

How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 59%99+58.1Reliability 26%98+25.6Value 15%98+14.9Experts Score= 99Not enough data for replies to reviews; its weight is shared by the others.Grade A: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews.99SCORE
AGradeLetter from the Experts Score: A = 80+, B = 60–79, C = 40–59, D = 20–39, F = under 20.
#6 of 51 retirement planningPosition by Experts Score among all companies we track in this category. · better than 90%
5.0 ★★★★★ 40 Google reviews · 3 photos
100%five-star reviews
5.00★last 12 monthsAverage stars on reviews from the last 12 months only.
0%1–2★ in 2 yearsShare of 1–2★ reviews in the last 24 months — or the 20 newest reviews when the company had fewer than 20 in that time.
0%reviews answered by the owner
Aug 2026latest review

Complete Spectrum Financial Services, LLC. at a glance

Google reviewers rate Complete Spectrum Financial Services five out of five stars based on forty reviews. Clients frequently describe the firm's staff as knowledgeable, professional, and responsive, noting that they provide clear explanations and personalized retirement planning without applying pressure. Recurring themes include long-term client relationships, regular meetings to discuss financial goals, and a focus on building trust through transparent communication and community involvement. No common criticisms appear in the provided excerpts, as all reviews are positive.

  • Google rating: 5.0 out of 5 from 40 reviews (100% five-star).
  • Reviews on this page: 40 Google reviews (40 with written comments).
  • Owner responses: the business replied to 0% of reviews.
  • Most recent review: August 21, 2026.
  • Service: Retirement Planner serving Lakewood, Colorado.

Data from Google, last updated October 25, 2026.

Score profile vs other retirement planning

Score per factor (100 = best)Each factor is scored 0–100 on absolute terms (star average, share of 1–2★ reviews, price verdicts…); standing within the category can only raise it, never lower it.. Strongest: momentum and satisfaction; weakest: value.

Satisfaction99Reliability98Craft & service–Value98Momentum100Replies to reviews–Satisfaction: 99 (median 97)Reliability: 98 (median 97)Value: 98 (median 100)Momentum: 100 (median 100)
This companyRetirement Planning median0 = centre, 100 = best
SatisfactionSatisfaction · 54% of the scoreRecency-weighted star average (2-year half-life), shrunk toward the category mean by review volume; the company’s own lifetime average as the prior; absolute: 4.0★ = 0, 5★ = 100.Complete Spectrum Financial Services, LLC.: 99/100 on this factor. Category median: 97.A
99
ReliabilityReliability · 24% of the scoreHow rarely jobs go badly: share of 1–2★ reviews — 60% the last 24 months (or the 20 newest if fewer), 40% all-time; 0% = 100, 15%+ = 0; the category percentile can only raise it.Complete Spectrum Financial Services, LLC.: 98/100 on this factor. Category median: 97.A
98
Craft & serviceCraft & service · penalty only, up to −10 pointsGoogle review highlights: Quality, Professionalism, Responsiveness, Punctuality — how rarely reviewers flag them as a negative, per review since highlights began; 0% = 100, 5%+ = 0. Subtracted from the score (up to −10), never averaged in — clean highlights are the norm, not a bonus.Not enough reviews for this factor yet. Category median: 100.–
–
ValueValue · 14% of the scoreCustomers’ own price verdicts (Great / Reasonable vs Overpriced) and Value highlights; 65% absolute (all “reasonable” ≈ 80, “great” = 100), the category percentile can only raise it.Complete Spectrum Financial Services, LLC.: 98/100 on this factor. Category median: 100.A
98
MomentumMomentum · penalty only, up to −10 pointsPenalises only a real slide: last-12-month average below lifetime (−0.5★ = 0). Still 4.8★+ over the last year, or steady/improving = 100. Subtracted from the score (up to −10), never averaged in.Complete Spectrum Financial Services, LLC.: 100/100 on this factor. Category median: 100.A
100
Replies to reviewsReplies to reviews · 7% of the scoreHow often the owner publicly replies to reviews under 5★ (1–4★). Needs 3+ such reviews, otherwise not counted; 65% absolute (80%+ replied = 100), the category percentile can only raise it.Not enough reviews for this factor yet. Category median: 55.–
–

Bar = this company · dark tick = category median.

Star ratings

40 Google reviews we collected

  • 5 stars40100%
  • 4 stars00%
  • 3 stars00%
  • 2 stars00%
  • 1 star00%

Praise vs complaints

Phrases our text analysis found in 40 written reviews

  • Praise5998%
  • Complaints12%

PriceGoogle asks reviewers whether the price was great, reasonable or overpriced; these are their answers.

Price verdicts customers left with their Google review

  • Great price3100%
  • Reasonable00%
  • Overpriced00%
  • Not sure00%

Topic share

How often each topic comes up in the written reviews

  • Staff & attitude2135%
  • Would recommend1627%
  • Honesty & trust1118%
  • Quality & results58%
  • Communication47%
  • Speed & response23%
  • Price & value12%

What customers talk about

We read 40 written reviews and marked every phrase about these topics. The same colors are highlighted in the reviews.

  • “Renee is the most helpful person I have dealt with in a long time.”
  • “I would recommend her to all of my friends and family members for their banking needs.”
  • “They have helped me diversify my retirement accounts to provide safe and reliable growth in any market condition.”
  • “Complete Spectrum Financial Services is a top notch financial services provider.”
  • “He's very knowledgeable and paid close attention to our retirement needs, explaining in detail plans that were a good fit.”
  • “He has always been very helpful, very efficient and very knowledgeable.”
  • “…mind, allowing us to enjoy our retirement while also maintaining a reasonable budget.…”

People customers mention

  • Kevin 20 reviews
  • Coffey 5 reviews

praise complaint · found by our text analysis, Google review wording unchanged.

Reviews for your job

Customers hired Complete Spectrum Financial Services, LLC. for 1 kind of job. Pick one to see what they paid and said.

Recent reviews

J&N7 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 2 months ago★★★★★

Christina and Kevin. Guidance and advice to get you in the right direction. Good People!

Great priceRetirement savings consulting
Brenda2 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 3 months ago★★★★★

Renee is the most helpful person I have dealt with in a long time. She is very kind, understanding, and helpful. I would recommend her to all of my friends and family members for their banking needs. She really made me feel special and she cared about what I had to say. Because of Renee I will stay with Foothills credit Union for a very long time.

Terry1 reviewTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 6 months ago★★★★★

We have been Kevin's clients for ten years. He's very knowledgeable and paid close attention to our retirement needs, explaining in detail plans that were a good fit. His advice and assistance over the years has contributed to our financial peace of mind, allowing us to enjoy our retirement while also maintaining a reasonable budget.

Jeff4 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 9 months ago★★★★★

We have been with Kevin and complete spectrum for 10+ years. I’ve never experienced more professional, connected and expert support that makes us feel a part of the team and like a family. He deeply cares for people’s quality of life and puts his clients first! His knowledge and experience in the industry made him a…

Great priceRetirement savings consultingTax planning
Matt3 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 9 months ago★★★★★

I have been a client of Kevin’s for over 10 years and have been very happy with all of the service I have received. Knowledgeable, helpful and very responsive!

Retirement savings consulting
Isaac4 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 10 months ago★★★★★

We have been clients of Kevin’s for almost 8 years! He is absolutely amazing and does what he says he is going to do! He also calls from time to time just to see how we are doing! I would highly recommend him and Complete Spectrum for any retirement and financial planning! Tony and Kim Carroll

Great priceFinancial planRetirement savings consulting

Photos

Customer reviews

5.0 ★★★★★ 40 reviews on Google · rating breakdown

Reviews from Google, shown as published (original wording, unedited).

Jobs customers hired them for — from Google's service tags and the review text
Team members customers mention
Filter by topic — each topic is highlighted in the reviews in the same color
J&N DeNiro7 reviewsTotal number of Google reviews J&N has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Christina and Kevin. Guidance and advice to get you in the right direction. Good People!

  • Price assessment: Great price
  • Services: Retirement savings consulting
Brenda2 reviewsTotal number of Google reviews Brenda has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Renee is the most helpful person I have dealt with in a long time. She is very kind, understanding, and helpful. I would recommend her to all of my friends and family members for their banking needs. She really made me feel special and she cared about what I had to say. Because of Renee I will stay with Foothills credit Union for a very long time.

Terry Swanson1 reviewTotal number of Google reviews Terry has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

We have been Kevin's clients for ten years. He's very knowledgeable and paid close attention to our retirement needs, explaining in detail plans that were a good fit. His advice and assistance over the years has contributed to our financial peace of mind, allowing us to enjoy our retirement while also maintaining a reasonable budget.

Jeff Pierson4 reviewsTotal number of Google reviews Jeff has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

We have been with Kevin and complete spectrum for 10+ years. I’ve never experienced more professional, connected and expert support that makes us feel a part of the team and like a family. He deeply cares for people’s quality of life and puts his clients first! His knowledge and experience in the industry made him a perfect fit And I would encourage anybody to seek out this company.

  • Price assessment: Great price
  • Services: Retirement savings consulting, Tax planning
Matt Gleason3 reviewsTotal number of Google reviews Matt has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

I have been a client of Kevin’s for over 10 years and have been very happy with all of the service I have received. Knowledgeable, helpful and very responsive!

  • Services: Retirement savings consulting
Isaac CarrLOL4 reviewsTotal number of Google reviews Isaac has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

We have been clients of Kevin’s for almost 8 years! He is absolutely amazing and does what he says he is going to do! He also calls from time to time just to see how we are doing! I would highly recommend him and Complete Spectrum for any retirement and financial planning! Tony and Kim Carroll

  • Price assessment: Great price
  • Services: Financial plan, Retirement savings consulting
James Dockter4 reviewsTotal number of Google reviews James has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

My wife and i have been clients of Kevin's since 2006. He has always had our best interest at heart. He always lets us know what would be the best path forward for our interests! he always reaches out to us with new ideas for our money! Also in the 20 years we have worked with Complete Spectrum we have never lost any money! Thank you Kevin!

Tom Gormley8 reviewsTotal number of Google reviews Tom has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

I have been a financial customer of Kevin C and Complete Spectrum Financial Services for well over ten years. They have helped me diversify my retirement accounts to provide safe and reliable growth in any market condition. They also provide many customer appreciation events and are very involved in supporting the community. I highly recommend them.

Allen Snyder2 reviewsTotal number of Google reviews Allen has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Getting advise from Kevin for about 10 years now. He is very low pressure on the financial products he offers as most of his products he offers sells itself based on your goals. Each person is different when it comes to their financial goals, he listens and then offers packages that he thinks can fit your goals. He also makes it fun to talk about your financials. I also feel he is very trustworthy which is why I have been with him so long. If you are looking for advice definitely try Complete Spectrum Financial Services out or at least have a few minute chat with him. Allen long time customer.

Beverly Harvey9 reviewsTotal number of Google reviews Beverly has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

We have trusted Kevin at Spectrum for over 6 years. He has gone way above our expectations for a financial consultant. He is caring and thoughtful. Our financial security has only increased with his advice. Above all, we trust him and his premier ethical values.

Complete Spectrum Financial Services, LLC. on Google Maps →

Business details