I am a fiduciary “advice-only” financial planner, and an attorney in Colorado. I strive to foster long-term client relationships committed to simple and effective methods to accomplish your financial goals. As a trusted partner, I will give you objective financial advice tailored to your circumstances.

As a fiduciary, I adhere to the highest investment advisory standards of conduct and ethics. My personal and financial values are rooted in honesty, integrity and trust. I always act solely in your best interests, offering advice without conflicts of interest. Not all financial advisors are fiduciaries, nor are they held to these high standards.

My fee is simple. I charge a reasonable hourly fee with prior written agreement concerning the scope of services. There is no minimium. I am not compensated based on a percentage of your assets under management (AUM). The financial services industry designed the AUM business model. It serves the interests of the financial services industry. Most “fee-only” financial advisors take control of your financial assets to charge you an ongoing AUM fee of 1% or more. The AUM structure compensates advisors based on the amount of your assets and the market’s impact on your assets. They get paid whether the market goes up or down, and whether they do any actual work for you or not. My fee structure, by contrast, compensates me for my services to you. A mere 1% of financial advisors serve their clients exclusively on an “hourly-fee only” basis as I do.

I am independent. I am the sole owner of my firm. I am not employed by or affiliated with any financial services firm or insurance company, nor do I receive any form of compensation from these firms. I do not sell financial or insurance products. I do not charge, pay or receive commissions. I receive no form of undisclosed compensation.

I aspire to simplicity in finance and in life. I will treat you with kindness and respect, I do not use financial jargon. I will discuss financial matters with you in plain English. We will collaborate regarding approaches to your circumstances. You will understand the reasons behind my recommendations. I will never pressure you. Together we will develop sound methods, such as using low-cost passive index funds, to secure your financial future.

Hiring a financial planner is an important decision. Please contact me with any questions as you make your decision or to schedule a complimentary meeting to discuss your circumstances. I have offices in Boulder and Crested Butte.