# Zack Gutches

> Zack Gutches is a fee-only financial advisor at True Riches Financial Planning in Denver, Colorado, who holds the CFP and CPA credentials. Zack charges a flat fee or retainer and focuses on equity compensation, physicians & residents and student loans.

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

## Facts

- **Firm:** True Riches Financial Planning
- **Based in:** Denver, Colorado
- **Fee model:** Flat fee or retainer
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $4.6M across 32 accounts
- **Credentials:** CFP, CPA
- **Specialties:** Equity compensation, Physicians & residents, Student loans, Tax planning, Retirement planning
- **Works with:** Physicians, Tech employees, High earners
- **CRD:** 7306890 (https://adviserinfo.sec.gov/individual/summary/7306890)
- **SEC registration:** Investment adviser representative in CO, TX
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://truerichesfp.com

## Frequently asked questions

### Is Zack Gutches a fee-only financial advisor?

Yes. Zack Gutches 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 Zack's firm.

### How does Zack charge for financial advice?

Zack charges a flat fee or retainer.

### Does Zack work with clients virtually?

Yes. True Riches Financial Planning says on its website that it works with clients remotely.

### Where is Zack Gutches based?

Zack Gutches is based in Denver, Colorado.

### What does Zack specialize in?

Zack's specialties include equity compensation, physicians & residents, student loans, tax planning and retirement planning. Zack works with physicians, tech employees and high earners.

### What credentials does Zack Gutches hold?

Zack Gutches holds the CFP and CPA credentials.

### Is Zack Gutches registered with the SEC?

Yes. Zack Gutches is registered as an investment adviser representative in CO and TX (CRD 7306890), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does True Riches Financial Planning manage?

True Riches Financial Planning reports $4.6M across 32 accounts in assets under management.

### How do I contact Zack Gutches?

Through Zack's website, truerichesfp.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/zack-gutches-92088): 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.truerichesfp.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.