# Financial advisors for people close to retirement in Colorado > For people close to retirement in Colorado, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include James Mayo of IronFjord Wealth Management, Dwight Dettloff of Winding Trail Financial Planning, LLC and Brett Polzin of Eight Peaks Wealth Management. Page: https://find.wellspent.co/audiences/pre-retirees/colorado/ 84 fee-only advisors listed; data last updated November 2, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in Colorado? For people close to retirement in Colorado, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include James Mayo of IronFjord Wealth Management, Dwight Dettloff of Winding Trail Financial Planning, LLC and Brett Polzin of Eight Peaks Wealth Management. - [James Mayo](https://find.wellspent.co/advisors/james-mayo/), IronFjord Wealth Management, Lakewood. Holds the CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee. - [Dwight Dettloff](https://find.wellspent.co/advisors/dwight-dettloff/), Winding Trail Financial Planning, LLC, Lafayette. Holds the CFP and RICP. Fees on file: percentage of assets. - [Brett Polzin](https://find.wellspent.co/advisors/brett-polzin/), Eight Peaks Wealth Management, Parker. Holds the CFP and EA. Fees on file: percentage of assets, flat fee or retainer. - [Paul Staib](https://find.wellspent.co/advisors/paul-staib/), Staib Financial Planning, LLC, Parker. Holds the CFP and RICP. Fees on file: flat fee or retainer, ongoing planning fee. - [Jane Young](https://find.wellspent.co/advisors/jane-young/), More than Your Money, Inc., Colorado Springs. Holds the CFP and EA. Fees on file: one-time planning fee. - [Cameron Willcox](https://find.wellspent.co/advisors/cameron-willcox/), Willcox Wealth Management, Denver. Holds the CFP and EA. Fees on file: percentage of assets, flat fee or retainer. ## How many fee-only financial advisors in Colorado work with people close to retirement? The Wellspent public graph lists 84 fee-only advisors for people close to retirement in Colorado, at 48 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for people close to retirement in Colorado located? Of the 84 fee-only advisors for people close to retirement in Colorado, 19 are in Denver, followed by 14 in Louisville and 9 in Colorado Springs. ## How do fee-only advisors for people close to retirement in Colorado charge? The most common fee among fee-only advisors for people close to retirement in Colorado is a percentage of assets, used by 89% of the 84 with fees on file. Many use more than one: 36% charge by the hour and 24% charge fixed fees. ## 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 people close to retirement have? For people close to retirement, look for the CFP, RICP and EA. In Colorado, 56% of the 84 advisors listed hold the CFP. - CFP (56% of advisors listed): The CFP covers the whole transition. - RICP (2% of advisors listed): The RICP focuses on turning savings into income. - EA (6% of advisors listed): Enrolled agents help with the low-tax years before Social Security. ## How do Colorado advisors for people close to retirement compare with the rest of the US? 24% of fee-only advisors for people close to retirement in Colorado charge fixed fees, compared with 40% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Colorado tax Social Security? Yes, for some residents. Colorado taxes Social Security with exemptions that depend on income, so it belongs in a withdrawal plan. ## What should I ask a financial advisor if you're close to retirement in Colorado? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - How does Colorado tax each source of my retirement income? ## How current is this list of fee-only advisors for people close to retirement 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 | |---|---|---|---|---| | [John McGowan](https://find.wellspent.co/advisors/john-mcgowan.md) | Mandala Financial Advisors | Salida, Colorado | CFP, MBA | Percentage of assets, Hourly, One-time planning fee | | [Aaron Milledge](https://find.wellspent.co/advisors/aaron-milledge.md) | Targeted Wealth Solutions | Colorado Springs, Colorado | CFP, MBA | Percentage of assets, Ongoing planning fee, Hourly, Flat fee or retainer | | [Cameron Willcox](https://find.wellspent.co/advisors/cameron-willcox.md) | Willcox Wealth Management | Denver, Colorado | CFP, EA | Percentage of assets, Flat fee or retainer, One-time planning fee | | [Jane Young](https://find.wellspent.co/advisors/jane-young.md) | More than Your Money, Inc. | Colorado Springs, Colorado | CFP, EA, MBA | One-time planning fee | | [Justin Pritchard](https://find.wellspent.co/advisors/justin-pritchard.md) | Approach Financial, Inc. | Montrose, Colorado | CFP, MBA | Flat fee or retainer, One-time planning fee, Percentage of assets | | [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 | | [James Mayo](https://find.wellspent.co/advisors/james-mayo.md) | IronFjord Wealth Management | Lakewood, Colorado | CFP, MBA, CFA, EA | Flat fee or retainer, Ongoing planning fee | | [Juan Guevara](https://find.wellspent.co/advisors/juan-guevara.md) | J.F. Williams Co., Inc. | Denver, Colorado | CFP, BS, MSFP | Percentage of assets, One-time planning fee | | [Kyle Simmons](https://find.wellspent.co/advisors/kyle-simmons.md) | Simmons Investment Management | Louisville, Colorado | CFP, CRPC | One-time planning fee | | [Nestor Vargas](https://find.wellspent.co/advisors/nestor-vargas.md) | AlignPoint Wealth | Denver, Colorado | CFP | Flat fee or retainer, Ongoing planning fee | | [Raquel Hinman](https://find.wellspent.co/advisors/raquel-hinman.md) | Hinman Financial Planning, Inc. | Erie, Colorado | CFP, CDFA | Percentage of assets, Ongoing planning fee, One-time planning fee, Flat fee or retainer | | [Steve Cruice](https://find.wellspent.co/advisors/steve-cruice.md) | Simply Steward, LLC | Highlands Ranch, Colorado | CFP, CPA | Percentage of assets, Fixed fees | | [Trent Porter](https://find.wellspent.co/advisors/trent-porter.md) | Priority Financial Partners | Denver, Colorado | CFP, CPA, MAcc | Percentage of assets, One-time planning fee | | [DeDe Smolen](https://find.wellspent.co/advisors/dede-smolen.md) | Innovative Financial, LLC | Lakewood, Colorado | CFP, CPA | Percentage of assets, Hourly, Fixed fees | | [Dwight Dettloff](https://find.wellspent.co/advisors/dwight-dettloff.md) | Winding Trail Financial Planning, LLC | Lafayette, Colorado | CFP, CPA, PFS, RICP | Percentage of assets | | [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 | | [Paul Staib](https://find.wellspent.co/advisors/paul-staib.md) | Staib Financial Planning, LLC | Parker, Colorado | CFP, MBA, RICP | Flat fee or retainer, Ongoing planning fee | | [Alicia Duong](https://find.wellspent.co/advisors/alicia-duong.md) | Wealth Engineers | Denver, Colorado | CFP | Percentage of assets, Ongoing planning fee | | [Bethany Aylor](https://find.wellspent.co/advisors/bethany-aylor.md) | Peak Asset Management | Louisville, Colorado | CFP | Percentage of assets | | [Brent Yanagida](https://find.wellspent.co/advisors/brent-yanagida.md) | Peak Asset Management | Louisville, Colorado | CFP | Percentage of assets | | [Grant Bugner](https://find.wellspent.co/advisors/grant-bugner.md) | Peak Asset Management | Louisville, Colorado | CFP | Percentage of assets | | [Jonathan Duong](https://find.wellspent.co/advisors/jonathan-duong.md) | Wealth Engineers | Denver, Colorado | CFP, CFA | Percentage of assets, Ongoing planning fee | | [Michael Hake](https://find.wellspent.co/advisors/michael-hake.md) | Boulder Wealth Advisors | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Robert Hamilton](https://find.wellspent.co/advisors/robert-hamilton-6331348.md) | Integrity Investment Advisors | Fort Collins, Colorado | CFP | Percentage of assets | | [Thomas Little](https://find.wellspent.co/advisors/thomas-little.md) | Yeti Wealth Management Group | Highlands Ranch, Colorado | CFP | Percentage of assets, One-time planning fee | | [Hannah Boundy](https://find.wellspent.co/advisors/hannah-boundy.md) | Sherwood Financial Partners | Broomfield, Colorado | CFP, CFA | Percentage of assets, Hourly | | [Nicholas Wolverton](https://find.wellspent.co/advisors/nicholas-wolverton.md) | Peak Financial Management | Broomfield, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Steve Zakelj](https://find.wellspent.co/advisors/steve-zakelj.md) | Flatirons Wealth Management | Boulder, Colorado | CFP | Hourly | | [Ty Johnson](https://find.wellspent.co/advisors/ty-johnson.md) | Peak Financial Management | Broomfield, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Alison Yoder](https://find.wellspent.co/advisors/alison-yoder.md) | Destiny Capital | Denver, Colorado | CFP | Percentage of assets, Flat fee or retainer | | [Brian McKinney](https://find.wellspent.co/advisors/brian-mckinney.md) | Collective Wealth Partners | Aurora, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Courtney Kenning](https://find.wellspent.co/advisors/courtney-kenning.md) | Destiny Capital | Golden, Colorado | CFP | Percentage of assets, Flat fee or retainer | | [Gary Shirman](https://find.wellspent.co/advisors/gary-shirman.md) | Boulder Wealth Advisors | Boulder, Colorado | ChFC | Percentage of assets, Hourly, Fixed fees | | [Jarrod Musick](https://find.wellspent.co/advisors/jarrod-musick.md) | Destiny Capital | Denver, Colorado | CFP | Percentage of assets, Flat fee or retainer | | [John McCorvie](https://find.wellspent.co/advisors/john-mccorvie.md) | Peak Asset Management | Louisville, Colorado | CFA | Percentage of assets | | [Julie Pribble](https://find.wellspent.co/advisors/julie-pribble.md) | Peak Asset Management | Louisville, Colorado | CFA | Percentage of assets | | [Justin Hobbs](https://find.wellspent.co/advisors/justin-hobbs.md) | Rivertree Wealth | Denver, Colorado | CFP | Percentage of assets | | [Peter Bobolia](https://find.wellspent.co/advisors/peter-bobolia.md) | Destiny Capital | Denver, Colorado | CFP, ChFC | Percentage of assets, Flat fee or retainer | | [Scott Bennett](https://find.wellspent.co/advisors/scott-bennett.md) | IWR Advisors | Denver, Colorado | CFP | Percentage of assets | | [Tara Hefty](https://find.wellspent.co/advisors/tara-hefty.md) | Peak Asset Management | Louisville, Colorado | CFA | Percentage of assets | | [Timothy Burt](https://find.wellspent.co/advisors/timothy-burt.md) | Peak Asset Management | Louisville, Colorado | CFA | Percentage of assets | | [Timothy Doyle](https://find.wellspent.co/advisors/timothy-doyle.md) | Destiny Capital | Denver, Colorado | CFP | Percentage of assets, Flat fee or retainer | | [Brian Colvert](https://find.wellspent.co/advisors/brian-colvert.md) | Bonfire Financial | Colorado Springs, Colorado | CFP | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Brian Rudd](https://find.wellspent.co/advisors/brian-rudd.md) | Kickstart Financial Planning LLC | Parker, Colorado | | One-time planning fee, Hourly | | [Kaleb Paddock](https://find.wellspent.co/advisors/kaleb-paddock.md) | Ten Talents Financial Planning | Parker, Colorado | CFP | Percentage of assets, Ongoing planning fee | | [Peter Pittman](https://find.wellspent.co/advisors/peter-pittman.md) | Aspen Leaf Wealth Management | Golden, Colorado | CFP | Percentage of assets | | [Cassidy Steck](https://find.wellspent.co/advisors/cassidy-steck.md) | Peak Asset Management | Louisville, Colorado | | Percentage of assets | | [David Ybarra](https://find.wellspent.co/advisors/david-ybarra.md) | Aspired Wealth | Loveland, Colorado | CFP | Flat fee or retainer, One-time planning fee, Percentage of assets | | [Jason Foster](https://find.wellspent.co/advisors/jason-foster.md) | Peak Asset Management | Louisville, Colorado | | Percentage of assets | | [Joel Cavaliere](https://find.wellspent.co/advisors/joel-cavaliere.md) | Blue Heron Capital | Englewood, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 84. The full list, page by page: https://find.wellspent.co/audiences/pre-retirees/colorado/?page=2 ## 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).