# Justin Pritchard > Justin Pritchard is a fee-only financial advisor at Approach Financial, Inc. in Montrose, Colorado, who holds the CFP and MBA credentials. Justin charges a flat fee or retainer, a one-time planning fee and a percentage of assets (ongoing planning from $5,000 a year and one-time plans from $685) and focuses on retirement planning, flat-fee planning and tax planning. Page: https://find.wellspent.co/advisors/justin-pritchard/ Built from public directory listings; last checked October 28, 2026. ## Facts - **Firm:** Approach Financial, Inc. - **Based in:** Montrose, Colorado - **Fee model:** Flat fee or retainer; One-time planning fee; Percentage of assets - **Fees (firm's website):** ongoing planning from $5,000 a year; one-time plans from $685; $375 an hour - **Works virtually:** Yes (firm's website) - **Accepting new clients:** Yes (firm's website) - **Assets under management (firm):** $25M - $100M - **Credentials:** CFP, MBA - **Specialties:** Retirement planning, Flat-fee planning, Tax planning - **Works with:** Pre-retirees, Retirees - **CRD:** 4055823 (https://adviserinfo.sec.gov/individual/summary/4055823) - **SEC registration:** Investment adviser representative in CO - **Exams passed:** Series 63 (2000), Series 66 (2004) - **Firm size:** 69 employees - **Disclosures:** None reported - **Website:** https://approachfp.com ## About Whether we do detailed planning or you just want to ask some questions, you'll be better informed. Figure out when you can retire, what you're on track for, how much you can spend, when to take Social Security, how to invest your retirement nest egg, and more. We generally take stock of your resources like Social Security or pension income, plus any assets earmarked for retirement. Then, we review your projected spending, including potential changes to spending over time. All the while, we keep taxes, investment returns, inflation, and other factors top-of-mind. And we can run various what-if scenarios to take an optimistic or pessimistic view—or just explore possibilities. How do we work together? It's your choice: Do it yourself, or have me handle your investments—you are not required to transfer assets or invest any minimum amount. Options include flat-fee or one-time project work, asset management, and other arrangements. You can choose a model that meets your needs and feels right for you. Get a second set of eyes, ask a few questions online, get a quick investment review, or go with an ongoing relationship. With that information, you can make informed decisions. Can you retire early? How much can you spend after taxes? Does it make sense to pursue strategies like Roth IRA conversions (to avoid IRMAA surcharges and manage taxes)? Are annuities worth looking at, and should you keep the products somebody else sold you? When it comes to investing, I favor a simple approach. Portfolios and recommendations are primarily index-based, consisting of mutual funds or ETFs. I do not receive any commissions for selling products, and I'm not a fan of active trading or picking individual stocks. ## Frequently asked questions ### Is Justin Pritchard a fee-only financial advisor? Yes. Justin Pritchard is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and 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 Justin's firm. ### How does Justin Pritchard charge for financial advice? Justin Pritchard charges a flat fee or retainer, a one-time planning fee and a percentage of assets. ### How much does Justin Pritchard charge? According to Approach Financial, Inc.'s website, checked October 28, 2026: ongoing planning from $5,000 a year; one-time plans from $685; $375 an hour. ### Does Justin Pritchard work with clients virtually? Yes. Approach Financial, Inc. says on its website that it works with clients remotely. ### Where is Justin Pritchard based? Justin Pritchard is based in Montrose, Colorado. ### What does Justin Pritchard specialize in? Justin Pritchard's specialties include retirement planning, flat-fee planning and tax planning. Justin works with pre-retirees and retirees. ### What credentials does Justin Pritchard hold? Justin Pritchard holds the CFP and MBA credentials. ### Is Justin Pritchard registered with the SEC? Yes. Justin Pritchard is registered as an investment adviser representative in CO (CRD 4055823), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How much does Approach Financial, Inc. manage? Approach Financial, Inc. reports $25M - $100M in assets under management. ### How do I contact Justin Pritchard? Through Justin Pritchard's website, approachfp.com. ## Sources - NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/44978): NAPFA admits only fee-only advisors - XY Planning Network directory listing: 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://www.approachfp.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.