Financial advisors for people close to retirement in Colorado
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.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- James Mayo IronFjord Wealth Management, Lakewood Holds the CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee.
- Dwight Dettloff Winding Trail Financial Planning, LLC, Lafayette Holds the CFP and RICP. Fees on file: percentage of assets.
- Brett Polzin Eight Peaks Wealth Management, Parker Holds the CFP and EA. Fees on file: percentage of assets, flat fee or retainer.
- Paul Staib Staib Financial Planning, LLC, Parker Holds the CFP and RICP. Fees on file: flat fee or retainer, ongoing planning fee.
- Jane Young More than Your Money, Inc., Colorado Springs Holds the CFP and EA. Fees on file: one-time planning fee.
- 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.
Plus 30 in other cities.
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.
- CFP56% in Colorado
- The CFP covers the whole transition.
- RICP2% in Colorado
- The RICP focuses on turning savings into income.
- EA6% in Colorado
- 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.
Dark bars are Colorado. Light bars are all US advisors for people close to retirement.
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.
All 84 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| John McGowan | Mandala Financial Advisors | Salida | CFP, MBA | Percentage of assets, Hourly |
| Aaron Milledge | Targeted Wealth Solutions | Colorado Springs | CFP, MBA | Percentage of assets, Ongoing planning fee |
| Cameron Willcox | Willcox Wealth Management | Denver | CFP, EA | Percentage of assets, Flat fee or retainer |
| Jane Young | More than Your Money, Inc. | Colorado Springs | CFP, EA, MBA | One-time planning fee |
| Justin Pritchard Retirement planning and investment management. | Approach Financial, Inc. | Montrose | CFP, MBA | Flat fee or retainer, One-time planning fee |
| Brett Polzin | Eight Peaks Wealth Management | Parker | CFP, EA | Percentage of assets, Flat fee or retainer |
| James Mayo | IronFjord Wealth Management | Lakewood | CFP, MBA, CFA, EA | Flat fee or retainer, Ongoing planning fee |
| Juan Guevara | J.F. Williams Co., Inc. | Denver | CFP, BS, MSFP | Percentage of assets, One-time planning fee |
| Kyle Simmons | Simmons Investment Management | Louisville | CFP, CRPC | One-time planning fee |
| Nestor Vargas | AlignPoint Wealth | Denver | CFP | Flat fee or retainer, Ongoing planning fee |
| Raquel Hinman | Hinman Financial Planning, Inc. | Erie | CFP, CDFA | Percentage of assets, Ongoing planning fee |
| Steve Cruice | Simply Steward, LLC | Highlands Ranch | CFP, CPA | Percentage of assets, Fixed fees |
| Trent Porter | Priority Financial Partners | Denver | CFP, CPA, MAcc | Percentage of assets, One-time planning fee |
| DeDe Smolen | Innovative Financial, LLC | Lakewood | CFP, CPA | Percentage of assets, Hourly |
| Dwight Dettloff | Winding Trail Financial Planning, LLC | Lafayette | CFP, CPA, PFS, RICP | Percentage of assets |
| Jennifer Hernandez | Petra Financial Advisors, Inc. | Colorado Springs | CFA, CFP, EA, MBA | Percentage of assets, Hourly |
| Paul Staib | Staib Financial Planning, LLC | Parker | CFP, MBA, RICP | Flat fee or retainer, Ongoing planning fee |
| Alicia Duong | Wealth Engineers | Denver | CFP | Percentage of assets, Ongoing planning fee |
| Bethany Aylor | Peak Asset Management | Louisville | CFP | Percentage of assets |
| Brent Yanagida | Peak Asset Management | Louisville | CFP | Percentage of assets |
| Grant Bugner | Peak Asset Management | Louisville | CFP | Percentage of assets |
| Jonathan Duong | Wealth Engineers | Denver | CFP, CFA | Percentage of assets, Ongoing planning fee |
| Michael Hake | Boulder Wealth Advisors | Boulder | CFP | Percentage of assets, Hourly |
| Robert Hamilton | Integrity Investment Advisors | Fort Collins | CFP | Percentage of assets |
| Thomas Little | Yeti Wealth Management Group | Highlands Ranch | CFP | Percentage of assets, One-time planning fee |
| Hannah Boundy | Sherwood Financial Partners | Broomfield | CFP, CFA | Percentage of assets, Hourly |
| Nicholas Wolverton | Peak Financial Management | Broomfield | CFP | Percentage of assets, Hourly |
| Steve Zakelj | Flatirons Wealth Management | Boulder | CFP | Hourly |
| Ty Johnson | Peak Financial Management | Broomfield | CFP | Percentage of assets, Hourly |
| Alison Yoder | Destiny Capital | Denver | CFP | Percentage of assets, Flat fee or retainer |
| Brian McKinney | Collective Wealth Partners | Aurora | CFP | Percentage of assets, Hourly |
| Courtney Kenning | Destiny Capital | Golden | CFP | Percentage of assets, Flat fee or retainer |
| Gary Shirman | Boulder Wealth Advisors | Boulder | ChFC | Percentage of assets, Hourly |
| Jarrod Musick | Destiny Capital | Denver | CFP | Percentage of assets, Flat fee or retainer |
| John McCorvie | Peak Asset Management | Louisville | CFA | Percentage of assets |
| Julie Pribble | Peak Asset Management | Louisville | CFA | Percentage of assets |
| Justin Hobbs | Rivertree Wealth | Denver | CFP | Percentage of assets |
| Peter Bobolia | Destiny Capital | Denver | CFP, ChFC | Percentage of assets, Flat fee or retainer |
| Scott Bennett | IWR Advisors | Denver | CFP | Percentage of assets |
| Tara Hefty | Peak Asset Management | Louisville | CFA | Percentage of assets |
| Timothy Burt | Peak Asset Management | Louisville | CFA | Percentage of assets |
| Timothy Doyle | Destiny Capital | Denver | CFP | Percentage of assets, Flat fee or retainer |
| Brian Colvert | Bonfire Financial | Colorado Springs | CFP | Percentage of assets, Ongoing planning fee |
| Brian Rudd Advice-only fiduciary planning for early- and mid-career professionals and DIY investors who want clear, unbiased guidance. | Kickstart Financial Planning LLC | Parker | Not listed | One-time planning fee, Hourly |
| Kaleb Paddock | Ten Talents Financial Planning | Parker | CFP | Percentage of assets, Ongoing planning fee |
| Peter Pittman | Aspen Leaf Wealth Management | Golden | CFP | Percentage of assets |
| Cassidy Steck | Peak Asset Management | Louisville | Not listed | Percentage of assets |
| David Ybarra | Aspired Wealth | Loveland | CFP | Flat fee or retainer, One-time planning fee |
| Jason Foster | Peak Asset Management | Louisville | Not listed | Percentage of assets |
| Joel Cavaliere | Blue Heron Capital | Englewood | CFP | Percentage of assets, Hourly |
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