Substantial Financial, Inc. is a full service financial firm located in Colorado Springs, CO. David Haraway, Principal at Substantial Financial, Inc., has 29 years of experience as a Certified Financial Planner. Substantial Financial is a team of business consultants, financial planners, and other strategists who have the foresight to help you with the following services: Financial Independence, Advisory Services for Business Owners, Retirement Income Planning, Social Security Planning, and Annuities.