Top Financial Advisors in Englewood, CO

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With $237 million in assets under management (AUM) and eight financial advisors on staff, A&I Financial Services, LLC is the largest firm on our list. A&I’s advisory team also boasts the most certifications of any other firm. In fact, across that team of eight, you’ll find six certified financial planners (CFPs), three accredited investment fiduciaries (AIFs), one certified public accountant (CPA) and one accredited asset management specialist (AAMS).

A&I Financial has nearly 500 clients, with the vast majority of them being individual clients. The firm also has advisory relationships with high-net-worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and businesses. As a general rule, you’ll need $25,000 in investable assets to open an account with A&I. However, fixed-income portfolios will have higher minimums than stock-based portfolios.

Certain advisors at A&I Financial Services can earn commissions from the sale of insurance products to clients. The fee-based firm still abides by fiduciary duty, though, legally binding it to act in your best interest.

A&I Financial Services, LLC Background

When A&I Financial Services was founded in 2009, it was under the direct ownership of current firm president Karl Frank and chief compliance officer (CCO) Stacey Frank. In 2018, the firm’s shares came under the control of A&I Holdings, LLC, a financial services holding company. Karl Frank and Stacey Frank own 100% of A&I Holdings.

The services of A&I fall under one of four categories: asset management, financial planning, retirement plan services and third-party money managers.

A&I Financial Services, LLC Investing Strategy

A&I Financial Services has created its own set of investment portfolio models. To figure out which one is best suited for you, the firm will meet in-person with you to discuss your individual goals, risk tolerance, time horizon, liquidity needs and any other pertinent pieces of information. This profile will determine whether a “high risk, high reward” portofolio or a safer option is the right move.

Just because your money is invested and diversified across the market doesn’t mean the firm’s job is complete. A&I will continue to review and monitor how its respective portfolio models are performing and make adjustments accordingly.

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Fee-only Wakefield Wealth Management, LLLP (WWM) does not have a minimum investment requirement for new clients. However, the firm has instituted a $10,000 minimum annual fee, so investors with lower amounts of investable assets might find that the fee is cost-prohibitive.

The firm’s client base is split almost evenly between individuals and high-net-worth individuals. There are a few businesses, retirement plans and charitable organizations here as well.

Wakefield employs three financial advisors, including one chartered financial analyst (CFA) and one chartered market technician (CMT). In total, the firm has more than $230 million in assets under management (AUM).

Wakefield Wealth Management, LLLP Background

In 2014, Wakefield Wealth Management was created through the restructuring of Wakefield Asset Management, WWM’s sister company. The firm is independent and entirely employee-owned, with managing partner and chief investment officer (CIO) Todd Gervasini serving as its principal.

Wakefield has a large set of services that clients can choose from. The firm’s services are largely based around investment management and financial planning, with options including:

• Retirement planning
• Estate planning
• Budget planning
• Tax planning
• Social Security maximization

Wakefield Wealth Management, LLLP Investing Strategy

Once your personal needs become apparent to your WWM advisor, the firm will look to pair you with one of its proprietary investment portfolios. Each model corresponds to a given risk tolerance, so the securities they use can vary wildly.

For example, Wakefield has a fixed-income strategy that utilizes exchange-traded funds (ETFs), mutual funds, corporate debt securities, CDs and more. On the other hand, some of its other portfolios are focused on individual equities. While the risk is certainly higher with these securities, the return potential is far higher.

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At $500,000, Jenkins Wealth has the second-highest minimum account size on this list. The firm states in its Form ADV that this number is negotiable, though, as evidenced by the fact that most of its client base fall below the high-net-worth threshold.

While Jenkins Wealth has a small advisory team, it’s well-qualified: Its two financial advisors are both certified financial planners (CFPs), as is one of their client service advisors. One of their advisors also holds the chartered life underwriter (CLU) and chartered financial consultant (ChFC) certifications. This small team manages $166 million in assets.

Because some of Jenkins Wealth’s advisory employees can sell insurance policies for a commission, the firm is fee-based. While this represents a possible conflict of interest, the firm is legally bound by fiduciary duty. This guarantees that the firm’s advisors will work in your best interest.

Jenkins Wealth Background

Jenkins Wealth opened its doors for business in 2002. CEO and CIO Brad Jenkins founded the firm and is still its principal owner to this day. Between Jenkins and David Henderson, the firm’s only other advisor, this team averages more than 20 years’ experience in the financial services industry.

This firm offers financial planning and investment portfolio management as both a combined service and a la carte. Here’s a breakdown of what the firm can do:

• Risk-adjusted investment management
• Investment planning
• Tax management
• Retirement planning
• Estate planning
• College planning
• Debt management
• Life insurance analysis

Jenkins Wealth Investing Strategy

Jenkins Wealth has a unique way of building and monitoring its clients’ investment portfolios. More specifically, the firm has its very own strategy entitled Market Guard™. This not only evaluates your investments regularly, it also identifies when it’s an appropriate time to buy, sell or hold. To ensure that every investment decision fits in with your personal needs, the strategy will adhere to your risk tolerance and time horizon.

As far as actual securities go, Market Guard™ typically invests in index-based ETFs. On occasion, the firm may deem it appropriate to also invest in individual stocks, bonds or insurance products.

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Cherry Creek Investment Advisors, Inc. is heavily focused on high-net-worth individuals, with 85% of the firm’s client base consisting of individuals with a high net worth. Outside of this group, Cherry Creek commonly works with individuals, corporate retirement plans, Taft-Hartley plans, charitable institutions, foundations, endowments, trust programs and more.

The two-person team of advisors at this fee-only firm manage nearly $150 million in client assets. There are no advisory certifications between them - one of four firms on this list with that distinction.

Minimum investable asset requirements at Cherry Creek vary depending on the service you’re subscribed to. While many of the firm’s standard services do not impose minimums, its “Right Track” robo-advisor service does. A normal account calls for a $5,000 investment, whereas clients looking to take advantage of tax-loss harvesting will need to invest at least $50,000.

Cherry Creek Investment Advisors, Inc. Background

Cherry Creek Investment Advisors is the oldest firm on this list, as it was established back in 1994. Trish McNamara and Sean Castle are the firm’s co-founders and owners. It is a fully independent firm.

This firm provides standard investment management and financial planning services, such as retirement planning, estate planning, education cost planning and more. In addition, clients can utilize its “Right Track” robo-advisor service. 

Cherry Creek Investment Advisors, Inc. Investing Strategy

Without exception, each of Cherry Creek Investment Advisors’ client portfolios integrate widespread diversification, which helps to mitigate risk. In the event of a market crash, diversifying can mitigate your losses.

The firm additionally looks to stay away from active management in favor of passive investing. This also keeps transactional costs low, which is good for the long-term health of any portfolio.

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Copper River Advisors, LLC (CRA) is a fee-only financial advisor firm that manages $132.5 million in client assets across its three-person staff of advisors. None of the firm’s employees have advisory certifications and there is no minimum to become a client.

Copper River’s client base primarily consists of high-net-worth individuals and individuals below that threshold. The firm also has an institutional division.

Copper River Advisors, LLC Background

Current firm president James Etten founded Copper River Advisors in 2014. Including Etten, the advisory team at the firm averages more than 16 years’ experience in financial services. Etten is the principal owner of Copper River Advisors.

Copper River does have some financial planning services, such as retirement planning and tax planning, but most of what it does revolves around investment management. Clients can choose either discretionary or non-discretionary management of their portfolios.

Copper River Advisors, LLC Investing Strategy

Because CRA maintains relationships with mostly high-net-worth individuals, the firm prefers long-term investments. Accordingly, the firm leans towards passive investing principles that promote minimized trading and risk. As a result, many of the securities that Copper River uses are either index funds or ETFs.

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Custom Portfolio Group is tied with seventh-place Parsonex Advisory Services as the smallest advisory team on this list, with just one advisor - portfolio manager Joy Fruin. This fee-only firm has more than $120 million in client assets under management (AUM).

Almost two-thirds of Custom Portfolio Group’s client base consists of high-net-worth individuals. This is likely a result of the firm’s $1 million minimum account size, which is the highest on this list. The firm also works with individuals, charitable organizations and pension and profit-sharing plans.

Custom Portfolio Group Background

David Twibell, Custom Portfolio Group’s president, founded the firm in 2011. Twibell still owns 100% of the firm. Prior to his creation of Custom Portfolio Group, Twibell worked as the president of wealth management and chief investment officer (CIO) for Colorado Capital Bank.

Investment management and financial planning services are both available for use at Customer Portfolio Group. Here are some of the specific services that the firm offers:

• Cash flow planning
• Retirement planning
• Asset protection planning
• Wealth transfer planning
• Insurance planning and analysis
• Education fund planning

Custom Portfolio Group Investing Strategy

Custom Portfolio Group states explicitly in its Form ADV that its investment philosophy is strictly founded on the principles of prudent risk management and customization. Beyond this, the firm will look to further stave off risk by ensuring your portfolio is fully diversified.

In an effort to diversify as much as possible, Custom Portfolio Group uses a wide range of securities. This might include domestic and international stocks and bonds, real estate, alternative investments and natural resource securities.

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Like Custom Portfolio Group, Parsonex Advisory Services, Inc. has just one financial advisor on staff with no certifications. The firm has just under $50 million in assets under management (AUM).

More than 86% of this fee-only firm’s client base is comprised of individuals below the high-net-worth threshold. However, the firm also manages accounts for a sizable group of high-net-worth individuals. The minimum investment for new clients is $100,000.

Parsonex Advisory Services, Inc. Background

Parsonex Advisory Services was formed in 2012. The company is part of a larger group of investment-minded Parsonex businesses, led by Parsonex Securities, Inc.

There are a number of advisory services clients of Parsonex can take advantage of. Here’s an overview:

• Investment management
• Financial planning
• Retirement planning
• Estate planning
• Investment planning
• Business continuation planning
• Pension consulting

Parsonex Advisory Services, Inc. Client Experience

At the dawn of a client’s relationship with Parsonex Advisory Services, the firm will issue them a questionnaire. This will detail their risk tolerance, time horizon and any specific investment objectives they may have. Based on these answers, the firm will build a comprehensive investment plan for your assets.

In general, Parsonex sticks to discretionary investment management. This means that clients will need to sign an agreement that will allow the firm to make investment decisions without their direct consent.