The Trailhead Team at Centennial State Financial boasts a combined 37 years’ experience in the financial services industry. During that time, we’ve seen some things, and we’ve learned what makes us tick:

We’re serious about helping our clients enjoy a playful, worry-free retirement.

Our team specializes in working with clients not only to save for retirement (or as we like to call it, climbing up the mountain), but in the distribution phase of their retirement (getting down off the mountain). Of course, along the way, you may run into major life transitions: divorce, loss of spouse or partner, change of job, and we’re prepared to help you with those too.

Our holistic financial planning is anchored by powerful technology that makes it easy to execute the strategy we’ll decide on together. We look forward to meeting with you – and by the way, there’s no need to dress up when you come to our office. We’re more jeans and fleece type of people.


Our Trail Mix  

Hard Work








Bruce Lutz, Senior Financial Services Executive, Investment Advisor Representative

    Bruce is an Investment Advisor Representative and earned the Life Underwriter's Training Council Fellow (LUTCF) designation. Bruce was Leaders Conference Qualifier in 2004, 2006 and 2010 and a Million Dollar Round Table Qualifier in 2005, 2006, 2008, 2011, 2015, 2016, 2017, 2018, and 2019.  He was born and raised in Albert Lea, Minnesota and graduated from Luther College in Iowa. Bruce has more than thirty years of experience helping families and business owners in achieving their financial goals while also helping to protect them from disaster. Bruce's approach is to first learn what's important to his clients and their families. He then takes that feedback to create simple yet thorough financial solutions to the complex issues and challenges clients are facing today.

    Call: 303-779-6543  |  Email | LinkedIn | Make an appointment

    Domiciled in CO, CA Insurance Lic. # 0741786

    Insurance Licensed in CA, CO, MT, NE, NV, TX, VA, WA, WI



Chris Ricketts, Financial Planner

    Originally from Chicago and raised in Madison, Wisconsin, Chris has lived in Denver since 2002 and loves his career as a financial planner. He stays motivated by the satisfaction he finds in helping families create, understand, and implement a plan for reaching their financial goals and needs. As life changes the path to our goals, Chris and his team at Centennial State Financial continually adapt and adjust to help maintain the most efficient and cost effective strategies to stay on course. Prior to his career in the financial services, Chris worked in the biotechnology industry as both an organic chemist and instrumentation engineer.

    Call: 303-906-5201  | Email | LinkedIn  Make an appointment

    Insurance Licensed in: AL, CO, MT, NE, TX, WI


Jacquelynn "Kaati" Ross, Financial Planning Team Member

    Kaati Ross is a visionary entrepreneur with a history of tackling mundane problems with creativity and innovation having launched several companies and countless projects over the last 25 years. Currently, Kaati works as part of the Trailhead Team at Centennial State Financial with her husband Chris and their partner Bruce. Kaati’s past roles include serving on the leadership team at Greystone Technology, vice president of We Are Women Colorado, founding board member of the Westminster Chamber of Commerce, and owner of an innovative home staging company/moving art gallery. 


    Call: 303-476-8670 | Email | Make an Appointment