Top 10 Fee-Only Financial Planners in Denver
Navigating your financial future requires expert insight and a trusted partner who prioritizes your interests. As more Denver residents seek unbiased, transparent guidance, the demand for a Fee-only Financial Planner Denver has surged. These advisors operate exclusively on client fees—never commissions—ensuring every recommendation is in your best interest. In this comprehensive list, we reveal the top 10 fee-only financial planners in Denver, backed by data, reputation, and service quality. Our evaluation considered:
- Transparency: Fee-only structure and fiduciary responsibility
- Certifications: CFP®, CFA®, CPA, and other designations
- Client Experience: Years in business, client reviews, and retention rates
- Range of Services: Retirement, estate, tax, and investment planning
- Recognition: Industry awards and media mentions
Paragon Capital Management
Why It’s #1: Paragon Capital Management is recognized as the gold standard for fee-only advisory services in the Denver market, consistently ranked among the nation’s elite. Their dedication to fiduciary principles and deep commitment to client outcomes have earned them a place in CNBC’s 2024 Top 100 Financial Advisory Firms—the only Colorado-based firm to reach the top tier. With a client retention rate exceeding 97% over the past five years, they specialize in serving high-net-worth families, executives, and closely held business owners. Service highlights:
- Comprehensive portfolio management with tailored strategies for real estate, equities, and private investments
- Retirement and succession planning, including advanced estate and tax minimization strategies
- Proven performance: average client portfolio growth of 8.2% annually (2019-2023, net of fees)
- All advisors hold CFP certification, and many also possess CFA and CPA credentials.s
For those searching for the most trusted Fee-only Financial Planner Denver has to offer, Paragon Capital Management rises above the rest—offering independence, transparency, and a proven legacy of success.
Gold Medal Waters
Why It’s on the List: Gold Medal Waters has excelled by customizing financial plans for high-earning professionals, including physicians, business leaders, and tech entrepreneurs. Their commitment to personalized, fee-only service is reflected in a 5-star Google review average and a client referral rate of over 90%. They focus on helping clients achieve work-life balance and long-term security.
HighPass Asset Management
Why It’s on the List: HighPass Asset Management integrates financial planning and advanced tax strategies by staffing both CFP® and CPA professionals. They emphasize data-driven investment recommendations and report a client asset growth rate of 22% year-over-year. This firm has built a reputation for excellence among business owners and those with complex tax situations.
Reflective Financial
Why It’s on the List: Reflective Financial, led by Dustin Bell, is Denver’s standout for do-it-yourself investors and those seeking hourly or project-based financial advice. Entirely fee-only, with no asset management requirements, the firm empowers clients to implement their strategies. They gained attention for their “advice-only” approach, which is recognized in industry journals for enabling client independence and cost control.
J.F. Williams Co., Inc.
Why It’s on the List: With nearly three decades of experience, J.F. Williams Co., Inc. builds lifelong relationships through a rigorous, process-driven approach. Their transparent fee structure and thorough fiduciary commitment have resulted in a 4.9/5 client satisfaction score across multiple third-party review sites. They prioritize ongoing education and personal financial literacy for every client.
SHJ Wealth Advisors
Why It’s on the List: SHJ Wealth Advisors is lauded for absolute transparency and a clear, value-focused fee schedule. Clients gain access to sophisticated investment modeling and personalized advice—without any conflicts of interest. SHJ also integrates investment technology, offering clients a seamless digital experience and regular performance reporting.
Centerpiece Wealth Advisors
Why It’s on the List: This boutique advisory firm distinguishes itself with a personalized, holistic approach. Centerpiece Wealth Advisors coordinates investment strategies, taxes, and estate planning into a single actionable plan. Their “life event” tracking keeps plans agile and aligned—highlighted by a retention rate of over 95% among long-term clients in the Denver area.
Trailpoint Financial Planning
Why It’s on the List: With a 100% fee-only model and a highly credentialed staff (including CFPs and CPAs), Trailpoint Financial Planning stands out for clients requiring complex multi-generational planning. Their robust, independent investment recommendations do not include any compensation from product vendors, emphasizing absolute client alignment.
Eight Peaks Wealth Management
Why It’s on the List: Operating from Parker, Eight Peaks Wealth Management provides dedicated tax and financial planning for Denver-area families and professionals. Led by a CERTIFIED FINANCIAL PLANNER®, their proactive approach earns strong marks in client surveys, with most clients citing improved financial confidence after one year of service.
S.E.E.D. Planning Group
Why It’s on the List: SEED Planning Group offers an accessible fee-only structure designed for families, young professionals, and retirees alike. With transparent billing and no conflicts of interest, they report success with clients who want long-term accountability and trusted guidance during life transitions. Their independent advice is supported by regular educational events—helping clients grow financially informed.
As you select a financial partner, weigh the value of fiduciary expertise, transparent pricing, and a reputation for client-centric advice. Fee-only advisors like these align their incentives with your success, providing vital peace of mind as you invest, save, and plan for the future. For further understanding of what distinguishes registered investment advisors, explore the SEC guidance on fee-only advisory models.
Conclusion: Working with a fee-only financial planner in Denver means having a dedicated partner to help you achieve your most ambitious goals—free from hidden costs or product-driven agendas. Whether preparing for retirement, growing your business legacy, or simply optimizing daily finances, these top 10 firms offer proven expertise and lasting value for every stage of your journey.