# Financial advisors for retirement planning in Boulder, Colorado > For retirement planning in Boulder, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Eddie Liang of Downshift Financial, Matthew Kelley of Gold Medal Waters, Inc. and Tami Carroll of BSW Wealth Partners. Page: https://find.wellspent.co/specialties/retirement-planning/colorado/boulder/ 30 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 about retirement planning in Boulder? For retirement planning in Boulder, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Eddie Liang of Downshift Financial, Matthew Kelley of Gold Medal Waters, Inc. and Tami Carroll of BSW Wealth Partners. - [Eddie Liang](https://find.wellspent.co/advisors/eddie-liang/), Downshift Financial, Boulder City. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Matthew Kelley](https://find.wellspent.co/advisors/matthew-kelley/), Gold Medal Waters, Inc., Boulder City. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Tami Carroll](https://find.wellspent.co/advisors/tami-carroll/), BSW Wealth Partners, Boulder City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Tron Welch](https://find.wellspent.co/advisors/tron-welch/), Welch Financial Planning, Boulder City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Michael Hake](https://find.wellspent.co/advisors/michael-hake/), Boulder Wealth Advisors, Boulder City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Dennis Channer](https://find.wellspent.co/advisors/dennis-channer/), Cornerstone Investment Advisors, Boulder City. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Boulder work on retirement planning? The Wellspent public graph lists 30 fee-only advisors for retirement planning in Boulder, at 9 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for retirement planning in Boulder charge? The most common fee among fee-only advisors for retirement planning in Boulder is an hourly rate, used by 93% of the 30 with fees on file. Many use more than one: 87% charge a percentage of assets and 83% charge fixed fees. ## How much do fee-only financial advisors charge in Boulder? Fee-only financial advisors in Boulder charge a median of $10,000 a year for ongoing planning. We found this across the published prices of 5 Boulder firms. ## What credentials should a financial advisor for retirement planning have? For retirement planning, look for the CFP. In Boulder, 57% of the 30 advisors listed hold the CFP. - CFP (57% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. ## How do Boulder advisors for retirement planning compare with the rest of the US? 93% of fee-only advisors for retirement planning in Boulder charge by the hour, compared with 45% of the 7,304 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 about retirement planning in Boulder? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does Colorado tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning in Boulder? 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 | |---|---|---|---|---| | [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 | | [Eddie Liang](https://find.wellspent.co/advisors/eddie-liang.md) | Downshift Financial | Boulder, Colorado | CFP | Flat fee or retainer, 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 | | [Gary Shirman](https://find.wellspent.co/advisors/gary-shirman.md) | Boulder Wealth Advisors | Boulder, Colorado | ChFC | Percentage of assets, Hourly, Fixed fees | | [Benjamin Weaver](https://find.wellspent.co/advisors/benjamin-weaver.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Brian Lichtenheld](https://find.wellspent.co/advisors/brian-lichtenheld.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Julie Martinez](https://find.wellspent.co/advisors/julie-martinez.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Kathrin Biscornet](https://find.wellspent.co/advisors/kathrin-biscornet.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Lily Beitel-Horton](https://find.wellspent.co/advisors/lily-beitel-horton.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Lindy Yoshida](https://find.wellspent.co/advisors/lindy-yoshida.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Raliegh Riddoch](https://find.wellspent.co/advisors/raliegh-riddoch.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Steven Szafranski](https://find.wellspent.co/advisors/steven-szafranski.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Tami Carroll](https://find.wellspent.co/advisors/tami-carroll.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Timothy Wojtalik](https://find.wellspent.co/advisors/timothy-wojtalik.md) | BSW Wealth Partners | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Lisa Cowan](https://find.wellspent.co/advisors/lisa-cowan.md) | Welch Financial Planning | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Tron Welch](https://find.wellspent.co/advisors/tron-welch.md) | Welch Financial Planning | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [David Darmour](https://find.wellspent.co/advisors/david-darmour.md) | Cornerstone Investment Advisors | Boulder, Colorado | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Dennis Channer](https://find.wellspent.co/advisors/dennis-channer.md) | Cornerstone Investment Advisors | Boulder, Colorado | CFP | Percentage of assets, Hourly, Fixed fees | | [Nicholas Lenssen](https://find.wellspent.co/advisors/nicholas-lenssen.md) | Bear Peak Financial | Boulder, Colorado | | Percentage of assets, Hourly | | [Aaron Deitz](https://find.wellspent.co/advisors/aaron-deitz.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [David Wolf](https://find.wellspent.co/advisors/david-wolf.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Dmitry Popov](https://find.wellspent.co/advisors/dmitry-popov.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Gil Berman](https://find.wellspent.co/advisors/gil-berman.md) | Gil Berman Financial Adviser | Boulder, Colorado | | Hourly | | [Julia Wentworth](https://find.wellspent.co/advisors/julia-wentworth.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Katherine St Onge](https://find.wellspent.co/advisors/katherine-st-onge.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Matthew Samek](https://find.wellspent.co/advisors/matthew-samek.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Molly Devnani](https://find.wellspent.co/advisors/molly-devnani.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Olivia Otoole](https://find.wellspent.co/advisors/olivia-otoole.md) | BSW Wealth Partners | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | | [Fernando Guardia Virreira](https://find.wellspent.co/advisors/fernando-guardia-virreira.md) | Guardian Brothers | Boulder, Colorado | | Flat fee or retainer, Hourly | | [Ryley Cowan](https://find.wellspent.co/advisors/ryley-cowan.md) | Welch Financial Planning | Boulder, Colorado | | Percentage of assets, Hourly, Fixed fees | ## Related - [Tax planning in Boulder](https://find.wellspent.co/specialties/tax-planning/colorado/boulder.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).