# DeDe Smolen

> DeDe Smolen is a fee-only financial advisor at Innovative Financial, LLC in Lakewood, Colorado, who holds the CFP and CPA credentials. DeDe focuses on retirement planning, tax planning and divorce financial planning. Innovative Financial, LLC reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/dede-smolen/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Innovative Financial, LLC
- **Based in:** Lakewood, Colorado
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $105.3M across 85 accounts
- **Credentials:** CFP, CPA
- **Specialties:** Retirement planning, Tax planning, Divorce financial planning, Small business owners
- **Works with:** Retirees, Pre-retirees, Divorced individuals, Founders, High earners
- **CRD:** 4436189 (https://adviserinfo.sec.gov/individual/summary/4436189)
- **SEC registration:** Investment adviser representative in CO, TX
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://innovativefinancial.com

## Frequently asked questions

### Is DeDe Smolen a fee-only financial advisor?

Yes. DeDe Smolen is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by DeDe's firm.

### How does DeDe charge for financial advice?

DeDe's firm, Innovative Financial, LLC, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is DeDe Smolen based?

DeDe Smolen is based in Lakewood, Colorado.

### What does DeDe specialize in?

DeDe's specialties include retirement planning, tax planning, divorce financial planning and small business owners. DeDe works with retirees, pre-retirees, divorced individuals, founders and high earners.

### What credentials does DeDe Smolen hold?

DeDe Smolen holds the CFP and CPA credentials.

### Is DeDe Smolen registered with the SEC?

Yes. DeDe Smolen is registered as an investment adviser representative in CO and TX (CRD 4436189), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Innovative Financial, LLC manage?

Innovative Financial, LLC reports $105.3M across 85 accounts in assets under management.

### How do I contact DeDe Smolen?

Through DeDe's website, innovativefinancial.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/44933): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.innovativefinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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