# Charles Nedele

> Charles Nedele is a fee-only financial advisor at Theory Financial in Lakewood, Colorado. Charles focuses on retirement planning and estate & legacy planning. Theory Financial reports charging a percentage of assets on its Form ADV.

Page: https://find.wellspent.co/advisors/charles-nedele/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Theory Financial
- **Based in:** Lakewood, Colorado
- **Fee model (firm's Form ADV):** Percentage of assets
- **Assets under management (firm):** $319.2M across 676 accounts
- **Specialties:** Retirement planning, Estate & legacy planning
- **CRD:** 5030870 (https://adviserinfo.sec.gov/individual/summary/5030870)
- **SEC registration:** Investment adviser representative in CO
- **Exams passed:** Series 63 (2007), Series 65 (2011)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://www.theoryfinance.com/

## Frequently asked questions

### Is Charles Nedele a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Charles holds no broker registration, and Theory Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Charles charge for financial advice?

Charles's firm, Theory Financial, reports charging a percentage of assets on its SEC Form ADV.

### Where is Charles Nedele based?

Charles Nedele is based in Lakewood, Colorado.

### What does Charles specialize in?

Charles's specialties include retirement planning and estate & legacy planning.

### Is Charles Nedele registered with the SEC?

Yes. Charles Nedele is registered as an investment adviser representative in CO (CRD 5030870), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Theory Financial manage?

Theory Financial reports $319.2M across 676 accounts in assets under management.

### How do I contact Charles Nedele?

Through Charles's website, www.theoryfinance.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5030870): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.theoryfinance.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.