Top 9 Financial Advisors in Fort Collins, CO

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Acorn Creek Capital LLC is a fee-only firm based in Fort Collins, Colorado.

The firm serves a range of clients, including individuals with and without high net worth, business owners, executives, trusts, estates, charitable organizations, corporate entities and retirement plans. Acorn Creek does not impose a formal minimum investment requirement, making its services accessible to a broad range of investors.

As a fee-only registered investment advisor, Acorn Creek and its advisors do not receive commissions for securities sales, nor do they sell insurance products. The firm operates under a fiduciary standard and is legally obligated to act in the best interests of its clients.

Acorn Creek tailors its portfolio management services to each client’s goals, financial situation, risk tolerance and investment time horizon. Its investment strategies incorporate both strategic and tactical asset allocation, often using a mix of individual stocks, bonds, exchange-traded funds (ETFs), mutual funds, options and alternative investments. The firm uses a variety of analysis methods including charting, cyclical analysis, technical analysis, fundamental analysis and quantitative modeling. Portfolios are regularly monitored and rebalanced, and may incorporate third-party money managers when appropriate.

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If you're interested in becoming a client of Navigation Wealth Management, there are no minimum asset requirements to meet. As a result, the firm works almost entirely with non-high-net-worth individuals. High-net-worth individuals and charitable organizations fill out the rest of its client base. The team of advisors at Navigation consists of several accredited investment fiduciaries (AIFs).

Certain on-staff advisors at this firm can sell insurance products on a commission basis. In turn, Navigation Wealth Management is a fee-based operation. Although this represents a potential conflict of interest, the firm's fiduciary duty means it must act in your best interest at all times.

Individuals can access both investment management and general financial planning services through Navigation. Variable annuity and life insurance planning and management is also available.

Navigation Wealth Management invests client assets according to your personal needs and situation. To determine the type of investor profile you have, the firm will work with you to determine a few very specific and important factors. These include your risk tolerance, liquidity needs, time horizon, income needs and short- and long-term financial goals.

Once the above is clearly delineated, the firm will invest your money into the market via an exact asset allocation. As your portfolio ages, the firm will monitor your returns in an effort to keep the intended asset allocation intact. The firm may decide to rebalance as necessary.

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Next is fee-only firm Trail Ridge Investment Advisors. Client include individuals, high-net-worth individuals, charities and corporations. The minimum account size is $5,000. 

The team at Trail Ridge holds multiple certifications, such as Certified Financial Planner™ (CFP®), chartered financial analyst (CFA), certified trust and fiduciary advisor (CTFA) and even juris doctorate (JD).

The firm focuses mainly on professionals early in their careers and offers investment advisory services, financial planning and asset management. 

Trail Ridge bases its strategy on modern portfolio theory, a risk-averse and long-term approach. Portfolios are largely constructed of exchange-traded funds (ETFs), mutual funds and other equity-related index funds tailored to the client’s specific needs. 

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Theory Financial's client base is uniquely comprised of individuals, both non-high-net-worth and high-net-worth split evenly. There is no account minimum. 

Most of the advisors on staff hold a professional accreditation, including Certified Financial Planner™ (CFP®), chartered financial consultant (ChFC) and chartered life underwriter (CLU). Advisors may receive a commission from the sale of insurance products, and while this may be a potential conflict of interest, the firm has a fidciary duty to act in the best interest of its clients at all times.

Theory Financial bases its recommendations on fundamental and cyclical analysis, along with modern portfolio theory. The firm generally employs an asset allocation strategy that builds client portfolios from exchange-traded fudns (ETFs), mutual funds or similar securities, as well as individual securities.

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Jim Saulnier & Associates, LLC primarily serves individuals and moderate-net-worth clients who are either retired or within five years of retirement. Typically, clients have between $1 million and $7 million in investable assets and an overall net worth between $1 million and $10 million.

To enroll in its investment services, clients must generally meet a minimum of $500,000 in investable assets for the firm’s Investment Model service or $750,000 for its Investment Positioning service. However, these minimums may be waived at the firm’s discretion.

Staff includes professionals with designations such as certified public accountant (CPA) and enrolled agent (EA). The firm also holds life and annuity insurance licenses, which allow it to earn commissions from insurance products. While it describes itself as fee-based, Jim Saulnier & Associates, LLC acknowledges its fiduciary duty and commits to always putting clients’ best interests first.

The firm tailors investment strategies to a client’s stage of retirement, whether accumulating assets or spending them. For clients still building wealth, the firm offers passively managed model portfolios designed to track Morningstar Target Risk Benchmarks using exchange-traded funds (ETFs) and mutual funds. For clients in the distribution phase, its Investment Positioning service aligns portfolio allocations with the client’s Secure Retirement Income Plan™.

The firm applies a range of investment analyses including fundamental, technical, cyclical and economic analysis. It emphasizes cost-effective, passive strategies, but may occasionally incorporate active strategies or structured products depending on a client’s goals. JS&A manages portfolios with full discretion, offers annual review meetings and charges a flat annual fee structure rather than one based on assets under management.

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The William Allan Corporation is a fee-only firm headquartered in Fort Collins, Colorado, with an additional office in Long Beach, California.

The firm primarily serves individuals (including high-net-worth individuals), trusts, nonprofits and corporate accounts. Clients often include professionals, retirees, business owners and those seeking tailored financial planning or investment management.

There is no formal account minimum; however, The William Allan Corporation generally charges a minimum annual fee of $500 for asset management services.

The team includes professionals such as those with the certified public accountant (CPA) designation. The firm does not sell securities for commissions and does not have any broker-dealer affiliations. As a registered investment advisor, The William Allan Corporation adheres to a fiduciary standard and is obligated to act in clients' best interests at all times.

The William Allan Corporation tailors investment strategies to each client's financial goals, risk tolerance, time horizon and liquidity needs. Portfolios typically include individual stocks, bonds, exchange-traded funds (ETFs), mutual funds, options, and occasionally margin or short-term trades. The firm primarily employs fundamental analysis and offers both discretionary and non-discretionary asset management. Investment strategies range from long-term buys to tactical short-term trades, depending on the client's needs. Accounts are reviewed at least quarterly and rebalanced as necessary.

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Red Mountain Financial, LLC primarily serves individuals, including both high-net-worth and non-high-net-worth clients, as well as trusts, estates and business entities. Many of its clients are looking for personalized financial planning or discretionary investment management tailored to their goals, risk tolerance and unique circumstances.

Red Mountain requires a minimum investment of $50,000 for portfolio management, though this minimum may be waived at the firm's discretion.

The firm is led by founder and sole owner Chris Barr, a Certified Financial Planner™ (CFP®) with more than two decades of experience in financial services. As a fee-only registered investment advisor, Red Mountain Financial does not receive commissions or compensation from the sale of financial products. The firm upholds a fiduciary standard, which means it is legally and ethically obligated to put clients’ interests first at all times.

Red Mountain Financial provides both hourly financial planning and investment management services. Its investment strategies incorporate modern portfolio theory and focus on long-term asset allocation, often using no-load mutual funds and exchange-traded funds (ETFs). Portfolios are customized based on the client’s total financial picture, including tax-deferred accounts like IRAs and 401(k)s, and can be managed on either a discretionary or non-discretionary basis. Regular reviews and adjustments are made as clients’ life circumstances evolve, with ongoing communication and transparency as core components of the firm’s approach.

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Financial Planning Fort Collins primarily works with individuals and high-net-worth individuals, offering a bundled approach that includes financial planning, investment management and tax preparation services. Its clients typically include working professionals, families, retirees and business owners seeking integrated financial support.

While there is no formal investment minimum, FPFoCo requires a minimum annual fee of $7,500 for its Comprehensive Services. These services encompass ongoing financial planning, tax preparation and discretionary portfolio management. The firm may also waive or reduce its minimums in certain cases, particularly for legacy clients or household members.

The firm’s team includes professionals who hold the Certified Financial Planner™ (CFP®) designation and Enrolled Agent (EA) credential. FPFoCo does not sell investment or insurance products and receives no commissions or third-party compensation. As a registered investment advisor, the firm is held to a fiduciary standard and must always act in clients’ best interests.

Financial Planning Fort Collins develops personalized investment strategies grounded in the principles of Modern Portfolio Theory. Portfolios are tailored to each client’s risk tolerance, time horizon and liquidity needs, with a focus on long-term diversification and quarterly rebalancing. The firm primarily uses passive mutual funds and exchange-traded funds (ETFs), with rules-based trend analysis applied to a portion of equity holdings. In some cases, FPFoCo may recommend outside managers or platforms like Betterment for Advisors, but only if appropriate for the client’s goals. The firm’s portfolios are actively monitored, and clients can impose reasonable investment restrictions.

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GrowStrong Wealth Strategies is a fee-based firm headquartered in Fort Collins, Colorado.

The firm serves individuals both with and without high net worth, as well as trusts and small businesses. Its clients often include retirees, families, professionals and business owners seeking both investment management and financial planning services.

There is no minimum investment required to open an account with GrowStrong, making its services broadly accessible regardless of asset level.

As a fee-based firm, GrowStrong and its investment advisor representatives may earn commissions on the sale of insurance products, such as annuities. However, GrowStrong is a fiduciary and, as a registered investment adviser, is required to put client interests first.

GrowStrong offers discretionary asset management tailored to each client’s financial goals, time horizon and risk tolerance. The firm uses a mix of fundamental, technical, cyclical and charting analysis to evaluate investments. Client portfolios may include long-term and short-term holdings, variable annuities, mutual funds, exchange-traded funds (ETFs) and options, depending on the client’s profile and objectives.

In addition to its in-house management, GrowStrong may recommend outside portfolio management through third-party managers like Howard Capital Management and The Pacific Financial Group. In such cases, GrowStrong continues to monitor performance and ensure alignment with client goals while receiving a portion of the advisory fee.