# Financial advisors for high earners in Colorado > For high earners in Colorado, talk to a fee-only planner who focuses on tax and cash flow as much as investing. High income with modest assets is a poor fit for minimums and percentage fees, so ask how you'd be charged. Records to start with include Josh Radman of Presidio Advisors LLC, Brett Polzin of Eight Peaks Wealth Management and Zack Gutches of True Riches Financial Planning. Page: https://find.wellspent.co/audiences/high-earners/colorado/ 38 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a high earner in Colorado? For high earners in Colorado, talk to a fee-only planner who focuses on tax and cash flow as much as investing. High income with modest assets is a poor fit for minimums and percentage fees, so ask how you'd be charged. Records to start with include Josh Radman of Presidio Advisors LLC, Brett Polzin of Eight Peaks Wealth Management and Zack Gutches of True Riches Financial Planning. - [Josh Radman](https://find.wellspent.co/advisors/josh-radman/), Presidio Advisors LLC, Boulder. Holds the EA and CFP. Fees on file: flat fee or retainer. - [Brett Polzin](https://find.wellspent.co/advisors/brett-polzin/), Eight Peaks Wealth Management, Parker. Holds the EA and CFP. Fees on file: percentage of assets, flat fee or retainer. - [Zack Gutches](https://find.wellspent.co/advisors/zack-gutches/), True Riches Financial Planning, Denver. Holds the CPA and CFP. Fees on file: flat fee or retainer. - [Jennifer Hernandez](https://find.wellspent.co/advisors/jennifer-hernandez/), Petra Financial Advisors, Inc., Colorado Springs. Holds the EA and CFP. Fees on file: percentage of assets, hourly. - [DeDe Smolen](https://find.wellspent.co/advisors/dede-smolen/), Innovative Financial, LLC, Lakewood. Holds the CPA and CFP. Fees on file: percentage of assets, hourly. - [George Sugden](https://find.wellspent.co/advisors/george-sugden/), Sugden Wealth Management, Denver. Holds the CFP. Fees on file: percentage of assets. ## How many fee-only financial advisors in Colorado work with high earners? The Wellspent public graph lists 38 fee-only advisors for high earners in Colorado, at 21 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for high earners in Colorado located? Of the 38 fee-only advisors for high earners in Colorado, 13 are in Denver, followed by 5 in Fort Collins and 4 in Loveland. ## How do fee-only advisors for high earners in Colorado charge? The most common fee among fee-only advisors for high earners in Colorado is a percentage of assets, used by 82% of the 38 with fees on file. Many use more than one: 55% charge fixed fees and 50% charge by the hour. ## How much do fee-only financial advisors charge in Colorado? Fee-only financial advisors in Colorado charge a median of $6,000 a year for ongoing planning. We found this across the published prices of 35 Colorado firms. ## How much does a one-time financial plan cost in Colorado? A one-time financial plan from a fee-only firm in Colorado has a median price of $2,500. We found this across the published prices of 26 Colorado firms. ## What credentials should a financial advisor for high earners have? For high earners, look for the CPA, EA and CFP. In Colorado, 53% of the 38 advisors listed hold the CFP. - CPA (5% of advisors listed): CPAs help with high-income tax. - EA (8% of advisors listed): Enrolled agents help with multi-year tax planning. - CFP (53% of advisors listed): The CFP covers insurance and saving decisions together. ## How do Colorado advisors for high earners compare with the rest of the US? 55% of fee-only advisors for high earners in Colorado charge fixed fees, compared with 42% of the 1,176 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Colorado tax income on top of federal tax? Yes. Colorado has a state income tax, so a financial plan for a Colorado resident should project it alongside federal tax. ## What should I ask a financial advisor as a high earner in Colorado? - Do you have a minimum, and do you take clients on income rather than assets? - Which accounts should I use once I've maxed my 401(k)? - How would you reduce my tax this year and next? - How much should I be saving, in dollars? - How will you plan for Colorado tax alongside federal tax? ## How current is this list of fee-only advisors for high earners in Colorado? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Brett Polzin](https://find.wellspent.co/advisors/brett-polzin.md) | Eight Peaks Wealth Management | Parker, Colorado | CFP, EA | Percentage of assets, Flat fee or retainer, Ongoing planning fee, Hourly, One-time planning fee | | [Josh Radman](https://find.wellspent.co/advisors/josh-radman.md) | Presidio Advisors LLC | Boulder, Colorado | CFP, MBA, EA | Flat fee or retainer | | [Kyle Simmons](https://find.wellspent.co/advisors/kyle-simmons.md) | Simmons Investment Management | Louisville, Colorado | CFP, CRPC | One-time planning fee | | [Matthew Kelley](https://find.wellspent.co/advisors/matthew-kelley.md) | Gold Medal Waters, Inc. | Boulder, Colorado | AAMS, AIF, CFP | Flat fee or retainer, Ongoing planning fee | | [Zack Gutches](https://find.wellspent.co/advisors/zack-gutches.md) | True Riches Financial Planning | Denver, Colorado | CFP, CPA | Flat fee or retainer | | [DeDe Smolen](https://find.wellspent.co/advisors/dede-smolen.md) | Innovative Financial, LLC | Lakewood, Colorado | CFP, CPA | Percentage of assets, Hourly, Fixed fees | | [Jennifer Hernandez](https://find.wellspent.co/advisors/jennifer-hernandez.md) | Petra Financial Advisors, Inc. | Colorado Springs, Colorado | CFA, CFP, EA, MBA | Percentage of assets, Hourly, Fixed fees | | [Alicia Duong](https://find.wellspent.co/advisors/alicia-duong.md) | Wealth Engineers | Denver, Colorado | CFP | Percentage of assets, Ongoing planning fee | | [Jonathan Duong](https://find.wellspent.co/advisors/jonathan-duong.md) | Wealth Engineers | Denver, Colorado | CFP, CFA | Percentage of assets, Ongoing planning fee | | [Robert Hamilton](https://find.wellspent.co/advisors/robert-hamilton-6331348.md) | Integrity Investment Advisors | Fort Collins, Colorado | CFP | Percentage of assets | | [Kayla Benjamin](https://find.wellspent.co/advisors/kayla-benjamin.md) | KB Financial Advisors | Denver, Colorado | CFP | Percentage of assets, Ongoing planning fee | | [George Sugden](https://find.wellspent.co/advisors/george-sugden.md) | Sugden Wealth Management | Denver, Colorado | CFP | Percentage of assets | | [Jeremy Busch](https://find.wellspent.co/advisors/jeremy-busch.md) | Keystone Financial Services | Loveland, Colorado | CFP | Percentage of assets, Fixed fees | | [Joshua Nelson](https://find.wellspent.co/advisors/joshua-nelson.md) | Keystone Financial Services | Loveland, Colorado | CFP | Percentage of assets, Fixed fees | | [Allison De Graaf](https://find.wellspent.co/advisors/allison-de-graaf.md) | Peak Planning Group | Centennial, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Louis Patierno](https://find.wellspent.co/advisors/louis-patierno.md) | Peak Planning Group | Centennial, Colorado | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Spencer Wynant](https://find.wellspent.co/advisors/spencer-wynant.md) | Peak Planning Group | Centennial, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Andrew Kelleher](https://find.wellspent.co/advisors/andrew-kelleher.md) | Denver Private Wealth Management | Denver, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Lisa Isaacson](https://find.wellspent.co/advisors/lisa-isaacson.md) | Canyon Creek Investment Advisors | Montrose, Colorado | CFP, PFS | Percentage of assets, Hourly, Fixed fees | | [Logan Richard](https://find.wellspent.co/advisors/logan-richard.md) | Denver Private Wealth Management | Denver, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Todd Moerman](https://find.wellspent.co/advisors/todd-moerman.md) | Integrity Investment Advisors | Fort Collins, Colorado | | Percentage of assets | | [William Snider](https://find.wellspent.co/advisors/william-snider.md) | ONE Advisory Partners | Highlands Ranch, Colorado | | Ongoing planning fee, Percentage of assets | | [Anthony Lopiccolo](https://find.wellspent.co/advisors/anthony-lopiccolo.md) | Custos Family Office | Greenwood Village, Colorado | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Brian Fraser](https://find.wellspent.co/advisors/brian-fraser.md) | Canyon Creek Investment Advisors | Fruita, Colorado | CFA | Percentage of assets, Hourly, Fixed fees | | [Brian Rettig](https://find.wellspent.co/advisors/brian-rettig.md) | Denver Private Wealth Management | Denver, Colorado | CFA | Percentage of assets, Hourly, Fixed fees | | [Ethan Braid](https://find.wellspent.co/advisors/ethan-braid.md) | High Pass Asset Management | Denver, Colorado | CFA | Percentage of assets, Hourly, Fixed fees | | [Jennifer Walenter](https://find.wellspent.co/advisors/jennifer-walenter.md) | Keystone Financial Services | Loveland, Colorado | | Percentage of assets, Fixed fees | | [Matthew Dupree](https://find.wellspent.co/advisors/matthew-dupree.md) | Denver Private Wealth Management | Denver, Colorado | CFA | Percentage of assets, Hourly, Fixed fees | | [Michael Stevenson](https://find.wellspent.co/advisors/michael-stevenson.md) | Keystone Financial Services | Loveland, Colorado | | Percentage of assets, Fixed fees | | [Stelianos Elenis](https://find.wellspent.co/advisors/stelianos-elenis.md) | High Pass Asset Management | Denver, Colorado | CFA | Percentage of assets, Hourly, Fixed fees | | [Michelle Francis](https://find.wellspent.co/advisors/michelle-francis.md) | Life Story Financial | Arvada, Colorado | | Flat fee or retainer, Percentage of assets, Hourly, Ongoing planning fee | | [Mitchell Bloom](https://find.wellspent.co/advisors/mitchell-bloom.md) | Bloom Financial | Westminster, Colorado | | Percentage of assets | | [Darin Snow](https://find.wellspent.co/advisors/darin-snow.md) | Denver Private Wealth Management | Denver, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Harold Classick](https://find.wellspent.co/advisors/harold-classick.md) | Denver Private Wealth Management | Denver, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Timothy Kulick](https://find.wellspent.co/advisors/timothy-kulick.md) | Denver Private Wealth Management | Centennial, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Benjamin Sartin](https://find.wellspent.co/advisors/benjamin-sartin.md) | The Planners | Fort Collins, Colorado | | Flat fee or retainer, Ongoing planning fee | | [Erik Sartin](https://find.wellspent.co/advisors/erik-sartin.md) | The Planners | Fort Collins, Colorado | | Flat fee or retainer, Ongoing planning fee | | [Maria Shanley](https://find.wellspent.co/advisors/maria-shanley.md) | The Planners | Fort Collins, Colorado | | Flat fee or retainer, Ongoing planning fee | ## Related - [Retirement planning in Colorado](https://find.wellspent.co/specialties/retirement-planning/colorado.md) - [Estate planning in Colorado](https://find.wellspent.co/specialties/estate-planning/colorado.md) - [Tax planning in Colorado](https://find.wellspent.co/specialties/tax-planning/colorado.md) - [Founders in Colorado](https://find.wellspent.co/specialties/founders-pre-exit/colorado.md) - [Family wealth transfer in Colorado](https://find.wellspent.co/specialties/family-wealth-transfer/colorado.md) - [Retirees in Colorado](https://find.wellspent.co/audiences/retirees/colorado.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).