# Ryan Stout

> Ryan Stout is a fee-only financial advisor at Theory Financial in Fort Collins, Colorado, who holds the CFP credential. Ryan 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/ryan-stout/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Theory Financial
- **Based in:** Fort Collins, Colorado
- **Fee model (firm's Form ADV):** Percentage of assets
- **Assets under management (firm):** $319.2M across 676 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning
- **CRD:** 5238710 (https://adviserinfo.sec.gov/individual/summary/5238710)
- **SEC registration:** Investment adviser representative in CO, TX, WY
- **Exams passed:** Series 63 (2007), Series 65 (2009)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://www.theoryfinance.com/

## Frequently asked questions

### Is Ryan Stout a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Ryan 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 Ryan charge for financial advice?

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

### Where is Ryan Stout based?

Ryan Stout is based in Fort Collins, Colorado.

### What does Ryan specialize in?

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

### What credentials does Ryan Stout hold?

Ryan Stout holds the CFP credential.

### Is Ryan Stout registered with the SEC?

Yes. Ryan Stout is registered as an investment adviser representative in CO, TX and WY (CRD 5238710), 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 Ryan Stout?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5238710): 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

---

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