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Best Financial Advisors in Boulder

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SmartAdvisor by SmartAsset logo
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SmartAdvisor by SmartAsset

Boulder, CO
  • Estate Planning
  • Financial Planning
  • Investment Management
  • Retirement Planning

Business Description

SmartAsset's free, five-minute tool makes it easy to find qualified financial advisors in your area. The exclusive tool uses a quick survey to help SmartAsset's exclusive algorithm match you with up to three advisors based on your specific financial needs. Each advisor is a fiduciary, legally bound to work in your best interest, and rigorously vetted by SmartAsset. You can speak with each for free, sometimes within a matter of minutes, and choose whom you want to work with. Hundreds of thousands of smart investors and retirees have already used SmartAsset's simple, no-cost service to find the right financial advisors for them.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Price: Free consultation

AIO Financial logo
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AIO Financial

4845 Pearl East Circle, Boulder, CO 80301
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Business Description

Fee-Only Fiduciaries AIO Financial is an independent, comprehensive, fee-only financial planning firm. We do not receive any commissions and do not sell any products – so that we can be unbiased and be solely dedicated to meeting your needs as fiduciaries. Comprehensive We work with you on all aspects of your financial well-being, including: asset management, retirement planning, taxes, estate planning, impact investing. Latest Technology We use the latest software to provide the best experience and planning projections possible for our clients. Virtual or In-Person We have offices in Tucson, Honolulu, Boulder, Boise, El Paso, Palm Springs, Rochester, West Palm Beach, Ventura, Albuquerque, Las Vegas, Charlotte, Portland, St George, Billings, Casper, Phoenix, Los Angeles, Chicago, and Seattle but we work with clients virtually throughout the world and regularly travel to meet non-local clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ambient Financial Advisors logo
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Ambient Financial Advisors

2919 Valmont Rd. Suite 109, Boulder, CO 80301
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  • Certified Financial Planner (CFP)

Business Description

Ambient Financial Advisors is a company that helps clients in Boulder with their financial goals. It provides comprehensive financial planning solutions to clients that consist of four main elements, namely financial life planning, investment management, financial advice, and financial tools. The company was founded by Jeffrey Hill, who started his career in the financial planning industry in 1984. He specializes in helping foreign nationals and expatriates navigate the process of cross-border financial planning.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Boulder Wealth Advisors logo
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Boulder Wealth Advisors

2595 Canyon Blvd Suite 220, Boulder, CO 80302
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  • Certified Financial Planner (CFP)

Business Description

Boulder Wealth Advisors provides financial services to clients in the metro. Its team helps individuals with managing their wealth by planning their budget, cash flow, and debt repayments. The company also helps with computing taxes, along with planning for retirement with a sustainable income even after leaving the workforce. In addition, Boulder Wealth Advisors offers estate planning services like drafting wills. Managing partner Roy Ludwick is a Chartered Financial Consultant with more than 35 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Crestone Capital, LLC logo
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Crestone Capital, LLC

1048 Pearl St, Suite 450, Boulder, CO 80302
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Business Description

Crestone Capital is an independent financial advising firm that provides wealth management services to entrepreneurs and business owners across the U.S. The firm offers solutions tailored to its clients' complex financial situations and unique goals. The firm also updates its clients through quarterly meetings, monthly and semi-annual conferences, and private events. Clients have real-time access to their investment portfolios online through Crestone’s client portal. Crestone has over 30 years of experience in the industry and manages $3.6 billion in assets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Harbor Wealth Management logo
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Harbor Wealth Management

1909 26th St. Suite 1A, Boulder, CO 80302
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  • Certified Financial Planner (CFP)

Business Description

Harbor Wealth Management is a women-owned and operated firm that serves clients in Boulder. For over 33 years, it has been providing financial advisory solutions to individuals, families, and small businesses. The firm's financial advisors are equipped to assist clients with planning and implementing strategies designed to improve their assets and wealth. They help clients curate personalized insurance, retirement, savings, divorce, and investment plans. The firm's founding principal, Elyse Foster, is a member of HSBV's investment committee.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Meridian Wealth Management logo
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Meridian Wealth Management

4430 Arapahoe Avenue, Ste 210, Boulder, CO 80303
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  • Certified Financial Planner (CFP)

Business Description

Meridian Wealth Management is an independent firm that provides services to individuals in and around Boulder. With nearly 100 years of combined industry experience, its team of advisors offers financial guidance on a variety of matters, including retirement planning, asset management, and wealth planning. They assist clients in performing in-depth wealth analysis and help them make informed financial decisions. Founding partner David B. Hansen holds various licenses, including Series 7, 24, and 65. He was a member of LPL Financial’s Chairman’s Club.

NewWest Advisors logo
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NewWest Advisors

4450 Arapahoe Ave., Suite 100, Boulder, CO 80303
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  • Certified Financial Planner (CFP)

Business Description

NewWest Advisors is a financial planning firm in Boulder. Its financial advisors help clients prepare for retirement, manage estate strategies, get insurance, minimize the impact of taxes, and put together an investment portfolio according to their goals, time horizon, and risk tolerance. They also guide individuals in reviewing and assessing their personal finances and developing an appropriate money management approach. The team has been working with the community in creating wealth management strategies since 1983.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
opusfinancialsolutions.com logo
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opusfinancialsolutions.com

885 Arapahoe Avenue, Boulder, CO 80302
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  • Certified Financial Planner (CFP)
  • Tax Planning

Business Description

Opus Financial Solutions LLC is a fiduciary firm that assists retirees, high-net-worth individuals and families, business owners, and executives in Boulder and the surrounding areas with their financial decisions. Its team of financial advisors helps clients define their financial goals that include components such as retirement, investment needs, college planning, insurance needs, estate planning, and tax reduction strategies. The team holds several designations, including Chartered Financial Analyst, Certified Financial Planner, Chartered Financial Consultant, and Chartered Retirement Plans Specialist.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rocky Mountain Wealth Management logo
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Rocky Mountain Wealth Management

5619 DTC Pkwy Ste 475, Greenwood Village, CO 80111
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  • Certified Financial Planner (CFP)

Business Description

Rocky Mountain Wealth Management offers financial planning to residents of Boulder. The company accepts clients, whether they are saving for retirement or just starting to invest, and helps them work towards their financial goals. Its process involves assessing its clients' needs, organizing their financial data, evaluating their financial status, and then developing a proactive plan. Some of the services it offers are estate and legacy planning and investment portfolio design and management. Cain Kobert, Certified Financial Planner, established the firm in 2006.

The Millstone Evans Group logo
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The Millstone Evans Group

4999 Pearl East Cir Ste 200, Boulder, CO 80301
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  • Certified Financial Planner (CFP)

Business Description

The Millstone Evans Group serves individuals, professionals, entrepreneurs, and top executives in the Boulder metro. It provides financial security solutions through its investment and retirement planning services. The company also deals with wealth management and helps clients create plans tailored to their financial goals and needs. It gives back to the community by supporting various organizations, including Boulder Ensemble Theater Company and Adopt-A-Highway. President Sacha Millstone is a wealth manager who has been in the industry since 1986.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Wealth Conservancy, Inc. logo
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The Wealth Conservancy, Inc.

1525 Spruce St, Boulder, CO 80302
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  • Certified Financial Planner (CFP)

Business Description

Founded in 1983, The Wealth Conservancy, Inc. is a client-focused firm that provides complete financial planning solutions to individuals in Boulder and the nearby metros. Its services include basic investment, multi-generational planning, wealth management, and coaching. It also assists clients in establishing strategies for asset allocation and cash flow. One of the financial advisors at the firm is Melissa Hoyer. She is a Certified Financial Planner and a Certified Professional Co-Active Coach. She has been providing coaching services since 2014.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Are financial advisors worth it?

Whether or not a financial advisor is worth it depends on your personal situation. If your finances are fairly straightforward, then you may be better off handling it on your own. But if you have substantial assets or a complex investment portfolio, then hiring someone to handle it for you can be well worth the cost.

Introduction

There are many titles for financial professionals, so it's challenging to track what each one means. A financial advisor is probably the term you've heard most often. Financial advisor is a broad term for a professional who helps individuals or companies manage their finances, including investment choices. There are over 100 certifications that financial advisors can obtain.

  • Financial planners, wealth managers, and investment advisors are all financial advisors with different focus areas.
  • A financial planner helps an individual or a company make a plan to achieve long-term financial goals.
  • A wealth manager helps individuals maintain their wealth through various disciplines and services, such as taxes, estate planning, and investment advice.
  • An investment advisor offers investment advice and recommendations to individuals or organizations.
There’s a misconception that you have to be extremely wealthy to use a financial advisor. In reality, they can be beneficial for people from any income level. Keep reading to find answers to the most commonly asked questions about financial advisors, so you know which type can fit your specific needs.

What does a financial advisor do?

Financial advisors can have many types of specialties. Generally, a financial advisor advises on or helps to execute a financial plan. Some examples include assisting people with getting out of debt, building out an investment portfolio, and handling taxes.

How much money do I need to work with a financial advisor?

There’s no specific income level you need in order to work with a financial advisor, but there may be a minimum investment amount for certain types of services. Some financial advisors won’t manage your money unless you have $100,000 or more to invest, but this isn’t the case with financial coaches or robo-advisors.

What does a financial coach do?

Financial coaches focus on improving your financial literacy and money management skills. For example, they can help you figure out how to pay down your student loans or decide how much money to put away for retirement. They usually charge by the hour and don’t offer asset management services or investment advice.

When should I use a financial advisor vs. doing it myself?

Smart money management can give you freedom and comfort. Being responsible with your money makes it possible to meet goals and pay for major expenses. A financial advisor is trained and can offer you expertise that would otherwise take years to learn. They know how to save you money and make it go further.

How do I know if my financial advisor is trustworthy?

Because financial advisors aren’t licensed or regulated, it’s up to the client to make that determination for themselves. However, if your advisor is a fiduciary, that means they’re legally bound to act in your best interest. Some types of advisors, including Certified Financial Professionals (CFPs), are held to fiduciary standards.

What\'s the difference between a financial advisor and a financial planner?

The term financial advisor is a broad phrase that encapsulates many specialties, including financial planner. It's similar to how doctor applies to different physicians, while a cardiologist is a specialty doctor. A financial planner helps their client plan to achieve long-term financial goals, such as saving for a house or retirement.

Are financial advisor fees tax deductible?

Until 2018, financial advisor fees were tax deductible as a miscellaneous expense. However, the Tax Cuts and Jobs Act elimited that deduction until at least 2025.

What is a financial consultant?

A financial consultant and a financial advisor are essentially the same. In recent years, financial consultant has become a less popular term, with financial advisor being much more common. Sometimes, the financial professional may opt for the term consultant when offering services to a business rather than an individual.

What makes someone a fiduciary?

Fiduciary is a legal term for a person who has a legal or ethical responsibility to act in your best interests. For example, a trustee and a beneficiary. A financial advisor may have a fiduciary obligation to make financial choices that are best for you, even if it means they earn less in commissions or fees.

What is a robo-advisor?

A robo-advisor is essentially an algorithm that manages your investment portfolio for you. Because their services are automated, you’ll pay less than you would for a human advisor — often between 0.25% and 0.50%. They don’t require large initial investments either, making them a popular choice for entry-level investors. However, you won’t get the same level of advice that you would get from a personal financial advisor.

How often should I meet with my financial advisor?

After your initial meeting, you may only need to check in with your financial advisor on a quarterly or annual basis. Ask them in advance how often you can expect to hear from them, and whether they offer in-person, phone, or virtual meetings.

Should your financial advisor be a fiduciary?

It’s important to understand that only some — not all — financial advisors have a fiduciary obligation to their clients. Always ask your financial advisor if they’re bound by fiduciary duty. If not, it’s possible that they’ll push products or services that earn them the highest commission, not necessarily what’s best for you. Opt for a financial advisor bound by fiduciary duty whenever possible.

Can my financial planner help with taxes?

Financial advisors aren’t necessarily accountants or tax preparers, so don’t expect them to prepare your taxes for you. However, they may be able to provide tax-related advice to help you optimize your returns and deductions. If you need an advisor who can file your taxes, look for one who is also a CPA (Certified Public Accountant).

Do I need a financial advisor?

Ask yourself if a financial advisor can fill a need or solve a problem you can’t easily handle on your own. They can be helpful in a wide variety of ways, such as building budgets or financial plans, finding ways to save money on taxes, creating an investment portfolio, or offering investment advice.

What experience should I look for in a financial advisor?

 If you have specific goals or a unique financial situation, look for a financial advisor with expertise in that area. For example, some financial advisors specialize in working with millennials or focus on socially responsible investing.

How do financial advisors get paid?

Clients pay to work with a financial advisor whether it’s through fees, commissions, or salaries. If they’re paid by client fees or commissions, their salary is tied to how much business they bring in. The harder they work, the more they make. In comparison, a salaried employee is guaranteed their wage no matter how many clients they have.

How much does a financial advisor cost?

A financial advisor’s costs depend on their fee structure. Some advisors charge a fee — either hourly or a percentage of the client assets under management. Another common option is to charge a commission on the products sold or investments made.

Should I hire a financial advisor before buying a house?

While not always necessary, a financial advisor could help you decide how large of a mortgage to apply for, how much money to put down, and how to balance the purchase with other savings and investment goals.

How many financial advisors are there in the U.S.?

According to the U.S. Bureau of Labor Statistics, it’s estimated that there are 218,050 financial advisors. California is the state with the highest employment of financial advisors across the nation.

Do banks offer financial advisors?

Yes, many banks have financial advisors on staff. Your bank may also offer incentives to work with their financial advisors, such as lower fees or free accounts. However, it's important to note that many of the bank's financial advisors don't have a fiduciary obligation and might prioritize the bank's products above all else. There is a cost when working with your bank's financial advisor.

Should I hire a wealth manager?

A wealth manager can help offer complex financial planning services, including tax guidance, estate planning, and legal assistance. While you don't have to be a high-income earner to benefit from a financial advisor, a wealth manager is typically for those that have a high net worth. However, many people build wealth and need a wealth manager later on in life.

Is wealth management worth it?

Wealth management is typically worth it for those who need help with multiple endeavors or comprehensive financial situations, such as charitable contributions or investment portfolio management, or want to protect their assets. A wealth manager can also offer you guidance if you’ve been neglecting your finances or making poor judgements.

How can you tell if a financial advisor is bad?

Your relationship with your financial advisor is a very personal one, as you’re trusting them with your wealth and future. Some general signs that your financial advisor is bad include:

  • They can’t answer your financial questions
  • You have worked with them for a while but haven’t seen a financial improvement
  • They don’t provide you with progress reports
  • They don’t check in with you

What do you need to be a financial advisor?

As mentioned, there are over 100 types of certifications for financial advisors. The training or experience you need will depend on which specialty you want to pursue. Generally, financial advisors need to have:

  • A Bachelor’s degree
  • A General Securities Representative license (Series 7 license)
  • A Certified Financial Planner (CFP) certification isn’t mandatory but is often preferred

Where do financial advisors work?

Where a financial advisor works will depend on what type of financial advisor they are. Financial advisors can work at a variety of places, including:

  • Securities and commodity brokers
  • A bank
  • A credit union
  • Independently
  • Insurance companies
  • Financial investment firms
  • Small investment advisory firms

How much do financial advisors make?

In 2019, the national average salary for a financial advisor was $87,850. However, it’s important to note the average salary varies from state to state and the different focus areas — an investment advisor may make a lot more than a financial planner. Lastly, salary can depend on how the individual is getting paid. Financial advisors can be paid by client fees, commissions, or salaries.

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