# Eddie Liang

> Eddie Liang is a fee-only financial advisor at Downshift Financial in Boulder, Colorado, who holds the CFP credential. Eddie charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $12,000 a year) and focuses on retirement planning and tax planning.

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

## Facts

- **Firm:** Downshift Financial
- **Based in:** Boulder, Colorado
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $12,000 a year
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $214.7M across 354 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning
- **Works with:** Mid-life transitions
- **CRD:** 4737975 (https://adviserinfo.sec.gov/individual/summary/4737975)
- **SEC registration:** Investment adviser representative in CA, CO, TX, VA
- **Exams passed:** Series 66 (2004)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://downshiftfinancial.com

## Frequently asked questions

### Is Eddie Liang a fee-only financial advisor?

Yes. Eddie Liang is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Eddie's firm.

### How does Eddie charge for financial advice?

Eddie charges a flat fee or retainer and an ongoing planning fee.

### How much does Eddie charge?

According to Downshift Financial's website, checked October 28, 2026: ongoing planning from $12,000 a year.

### Where is Eddie Liang based?

Eddie Liang is based in Boulder, Colorado.

### What does Eddie specialize in?

Eddie's specialties include retirement planning and tax planning. Eddie works with mid-life transitions.

### What credentials does Eddie Liang hold?

Eddie Liang holds the CFP credential.

### Is Eddie Liang registered with the SEC?

Yes. Eddie Liang is registered as an investment adviser representative in CA, CO, TX and VA (CRD 4737975), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Downshift Financial manage?

Downshift Financial reports $214.7M across 354 accounts in assets under management.

### How do I contact Eddie Liang?

Through Eddie's website, downshiftfinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/eddie-liang-11020): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://downshiftfinancial.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.