# Rolfe Spiegel

> Rolfe Spiegel is a fee-only financial advisor at Three Waters Financial in Ignacio, Colorado. Rolfe charges a percentage of assets, a flat fee or retainer, hourly fees and a one-time planning fee and focuses on retirement planning, estate & legacy planning and tax planning.

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

## Facts

- **Firm:** Three Waters Financial
- **Based in:** Ignacio, Colorado
- **Fee model:** Percentage of assets; Flat fee or retainer; Hourly; One-time planning fee
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $30.6M across 12 accounts
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **CRD:** 7365302 (https://adviserinfo.sec.gov/individual/summary/7365302)
- **SEC registration:** Investment adviser representative in CO
- **Exams passed:** Series 65 (2021)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.threewatersfinancial.com

## Frequently asked questions

### Is Rolfe Spiegel a fee-only financial advisor?

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

### How does Rolfe charge for financial advice?

Rolfe charges a percentage of assets, a flat fee or retainer, hourly fees and a one-time planning fee.

### Where is Rolfe Spiegel based?

Rolfe Spiegel is based in Ignacio, Colorado.

### What does Rolfe specialize in?

Rolfe's specialties include retirement planning, estate & legacy planning and tax planning.

### Is Rolfe Spiegel registered with the SEC?

Yes. Rolfe Spiegel is registered as an investment adviser representative in CO (CRD 7365302), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Three Waters Financial manage?

Three Waters Financial reports $30.6M across 12 accounts in assets under management.

### How do I contact Rolfe Spiegel?

Through Rolfe's website, www.threewatersfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7365302): 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.threewatersfinancial.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.