Zack Gutches
True Riches Financial Planning · Denver, Colorado
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.
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Specialties
Who they serve
- Physicians
- Tech employees
- High earners
Facts
| Firm | True Riches Financial Planning |
|---|---|
| Based in | Denver, Colorado |
| Fee model | Flat fee or retainer |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | $4.6M across 32 accounts |
| Credentials | CFP · CPA |
| SEC registration | Investment adviser representative in CO, TX · CRD 7306890 |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | truerichesfp.com |
| Profile |
How Zack's firm compares
- True Riches Financial Planning's average account is about $143,000, from its Form ADV (assets managed divided by 32 accounts).
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Questions about Zack
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- True Riches Financial Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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