Firm
Theory Financial
Fort Collins, Colorado
Fee-only
Theory Financial at a glance
- One of 336 fee-only firms based in Colorado in the Wellspent graph.
- 3 advisors are listed here; 2 of 3 hold the CFP.
- Its Form ADV reports 3 employees and 252 individual clients, 106 of them high net worth.
- Its average account is about $472,000 (assets it manages divided by its 676 accounts).
Fee-only advisors in Colorado · What fee-only advisors charge in Colorado
Facts
| Based in | Fort Collins, Colorado |
|---|---|
| Website | theoryfinance.com |
| Phone | (970) 305-4649 |
Theory Financial fees
Theory Financial doesn't publish its prices on its website, or we couldn't confirm them word for word. Ask for its Form ADV Part 2A, which must describe its fees.
For comparison, fee-only firms that publish prices charge a median of $4,500 a year for ongoing planning, $2,000 for a one-time plan, $300 an hour, or 1% of assets. See the fee report.
What its SEC filing says
| Paid by | Percentage of assets |
|---|---|
| Assets managed | $319 million |
| Individual clients | 146 |
| High-net-worth clients | 106 |
| Accounts managed | 676 |
| Employees | 3 |
| Planning clients | 0 |
| Registered with | The SEC (801-122366) |
| Financial planning | Offered |
| Form ADV filed | March 4, 2026 |
| SEC record | CRD 304084 |