Top Financial Advisors in Colorado

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Mercer Global Advisors takes the first spot on our list of top Colorado financial advisors. It's a fee-based firm headquartered in Denver, but it has offices throughout the U.S. 

The firm's massive team of advisors includes Certified Financial Planners™ (CFPs®), chartered financial analysts (CFAs) and certified public accountants (CPAs). The team works with both individuals and high-net-worth individuals, as well as retirement plans, charitable organizations and businesses. The firm doesn't have a single account minimum or minimum annual fee. Instead, these will vary based on the type of account or service a client receives.  

As a fee-based firm, some advisors at Mercer have the ability to sell insurance or securities for a commission. This creates a potential conflict of interest. However, the firm has a fiduciary duty to act in clients' best interests at all times.

The firm offers its clients comprehensive investment management, financial planning, family office services, tax planning, estate planning and retirement plan design and administration.

Mercer Global Advisors focuses on creating globally diversified portfolios that span across and within major asset classes. Their investment strategy incorporates academically validated factors such as value, size, momentum, profitability and low-beta, aiming to capture incremental returns. Systematic rebalancing and advanced tax and distribution management are key components of their approach.

The firm emphasizes broad asset class and multi-factor diversification to help manage risk, and it often uses low-cost investment vehicles like ETFs, index funds and institutional funds. They also include private investments, such as private equity and real estate, through interval or private funds. 

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Johnson Financial Group is a family office and wealth management firm serving high-net-worth individuals almost exclusively. The firm, which works with a handful of other clients, requires each new client to have at least $30 million in investable assets, though this minimum can be waived at the firm's discretion. 

As a fee-only operation, all of Johnson Financial Group's compensation comes from client-paid fees. A fee-based firm, on the other hand, can receive commissions from sources like insurance and securities sales. Johnson Financial Group also charges a minimum annual fee of $250,000.

This firm offers portfolio management, financial planning, advisor selection and family office services. The firm’s family office services include bookkeeping, expense management, bill-pay, private foundation administration and advisor coordination. The family office services are separate from, and in addition to, the firm’s main advisory services.

Johnson Financial Group says it applies a total return approach to portfolio management and that its investment strategies focus on building globally diversified portfolios that are tax- and cost-efficient. To do so, the firm may invest in a combination of domestic and foreign equities, fixed-income securities, CDs, options, mutual funds, separately managed accounts, exchange-traded funds (ETFs), private placements and alternative investments. 

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Aspen Grove Capital, LLC is a fee-based firm that specializes in serving ultra-high-net-worth clients through tailored investment management and family office services.

The firm’s clients primarily include individuals and families with significant wealth, as well as related entities such as trusts, charitable organizations and private companies. Aspen Grove generally requires clients to maintain at least $100 million in assets under management, though this minimum may be waived at the firm's discretion.

Aspen Grove provides both discretionary and non-discretionary investment management services, as well as access to exclusive private fund-of-funds offerings for accredited investors. The firm also offers family office services, including financial planning, bill pay and coordination of professional services. Fees are either fixed, ranging from $50,000 to $1,000,000 annually, or asset-based, ranging from 0.60% to 0.90% of assets under management. Aspen Grove does not charge performance-based fees and does not receive commissions on securities transactions.

The firm’s investment philosophy is grounded in fundamental research, strategic asset allocation and manager due diligence. Client portfolios often include a blend of individual securities, ETFs and alternative investments, and may be managed in part by independent third-party managers. Aspen Grove reviews portfolios regularly and makes allocation adjustments based on market conditions, risk assessments and client-specific factors.

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IWP Wealth Management is a fee-only financial advisor firm based in Denver. It actually ranks on SmartAsset’s list of the top financial advisor firms in Denver as well. The firm's team includes several advisors who hold the Certified Financial Planner™ (CFP®) credential.

While IWP does not have an account minimum, it primarily serves high-net-worth individuals and several private funds. However, the firm claims to have services available for trusts, estates, retirement plans, pension and profit-sharing plans and charitable organizations. IWP also has several non-high-net-worth individuals as clients.

This firm utilizes a “family office” structure, meaning that it focuses on the complete financial needs of a particular family and their associated professionals, trusts or holding companies. According to the firm, it applies this holistic approach on a case-by-case basis, allowing clients to customize what they want.

This firm has some of the most extensive financial advisory services on this list. These consist of daily asset management (like insurance and tax reviews), investment planning, wealth creation strategies, paperwork reviews, net worth reporting, budget planning and accounting. In addition, you'll also find stock, bond, cash and real estate investment management, customized portfolio creation, business consulting, tax planning, long-term care planning and estate planning.

IWP primarily invests its clients’ assets in exchange-traded funds (ETFs), options, fixed-income securities, mutual funds and private investments. These investments are diversified according to the client’s specific risk tolerance. The firm also factors a client’s time horizon, future potential inheritance and liquidity needs into its investment decisions.

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PCM Encore, LLC is a fee-based registered investment advisor headquartered in Aspen, Colorado.

The firm serves a wide range of clients, including individuals, high-net-worth individuals, trusts, estates, charitable organizations, and businesses. Typical clients include corporate professionals, retirees, entrepreneurs and families seeking comprehensive financial planning and investment management.

There is no stated minimum asset requirement to become a client of PCM Encore, though its fee schedule accommodates portfolios ranging from under $1 million to over $250 million.

PCM Encore’s team includes professionals who may be licensed to sell insurance products. While the firm charges fees for advisory services, certain supervised persons may also receive commissions for the sale of insurance products, such as annuities. As a fiduciary, PCM Encore is legally obligated to act in its clients’ best interests when providing investment advice.

PCM Encore offers tailored wealth management solutions, including financial planning, consulting and discretionary portfolio management. Its investment philosophy emphasizes diversification, long-term strategic asset allocation and tax efficiency. The firm primarily uses low-cost mutual funds, ETFs and conservative fixed income securities, but may also incorporate individual securities, private investments and separately managed accounts where appropriate. PCM Encore encourages systematic investing and long-term portfolio discipline aligned with each client’s financial goals and risk tolerance.

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IMA Private Wealth is a fee-based firm that offers investment advisory and financial planning services to individuals, high-net-worth individuals, trusts, estates, corporations, charitable organizations and retirement plans. While IMA Private Wealth has a general account minimum of $50,000, this requirement may be negotiable. Some third-party subadvisors or private funds offered through the firm may impose higher investment minimums.

While the firm describes its wealth management offering as fee-based, meaning it may receive commissions for the sale of insurance products such as life, disability or long-term care insurance, clients are under no obligation to purchase those products. As a registered investment advisor (RIA), the firm is bound by fiduciary duty to act in clients' best interests.  IMA’s advisors disclose potential conflicts of interest and follow policies to mitigate bias and maintain client trust.

IMA Private Wealth provides portfolio management services on both a discretionary and non-discretionary basis. Investment strategies are tailored to each client’s financial objectives, time horizon, risk tolerance and liquidity needs. The firm typically utilizes mutual funds, ETFs, individual securities and private funds where appropriate. It may also recommend and monitor third-party subadvisors. IMA’s investment process draws from modern portfolio theory, fundamental analysis and quantitative models. The firm places a strong emphasis on diversification and ongoing review by its investment committee to help align client portfolios with stated goals.

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GHP Investment Advisors is a fee-only firm that also holds spot on SmartAsset’s list of the top financial advisor firms in Denver. The firm’s typical clientele includes both non-high-net-worth individuals and high-net-worth individuals, corporations, pooled investment vehicles and retirement plans.

GHP’s advisors have a relatively wide range of certifications, including the certified public accountant (CPA), Certified Financial Planner™ (CFP®), chartered financial analyst (CFA) and personal financial specialist (PFS) designations.

The firm generally requires a minimum investment of $500,000, including for its general supervisory services. GHP does charge clients performance-based fees. However, these fees are only applicable to investments in the GHP International Reform and Development Fund and solely apply to earnings over a high-water mark.

The manner in which your funds are invested depends on what services you’re in need of. The firm provides retirement and estate planning, education fund planning, general investment management, risk management and income tax planning. 

GHP Investment Advisors builds portfolios based on clients' financial plans. Rather than adhering to a certain number of investments, GHP likes to keep its options open. In its client portfolios, the firm may use exchange-listed securities, warrants, certificates of deposit (CDs), mutual funds, options, variable annuities, municipal securities, corporate debt securities and foreign issuers. 

The firm typically invests for the long term. When crafting an investment strategy, it takes into account a client's goals, time horizon, liquidity needs and risk tolerance, as well as tax impact, economic conditions and international exposure. 

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Align Impact, LLC is a fee-only firm headquartered in Denver, Colorado. The firm primarily serves high-net-worth individuals, families, charitable organizations, institutions and pooled investment vehicles. Founded in 2015, Align focuses on aligning financial planning and investment strategy with each client’s social values, philanthropic goals and impact objectives.

There is no required account minimum at Align. However, the firm generally requires a minimum annual fee of $50,000. Fees for financial planning services typically range from $50,000 to $200,000, while portfolio management fees may be charged as flat fees between $100,000 and $800,000 or on an asset-based structure. Align also charges institutional clients a flat annual fee between $100,000 and $400,000 for access to its curated Aspire Platform of vetted impact managers and investment products.

The firm does not receive commissions or compensation from the sale of securities or other investment products. As a fiduciary, Align is legally obligated to act in the best interests of its clients at all times.

Align Impact’s advisory team tailors each financial and investment plan to the individual’s risk tolerance, time horizon, liquidity needs and specific impact goals. 

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JFG Wealth Management is a fee-based advisor that serves high-net-worth individuals, charitable organizations and corporations, and offers investment management, financial planning and family office services.

JFG generally requires a minimum of $10 million in investable assets, but may waive this minimum at its discretion. Clients with less than $10 million are subject to a $20,000 quarterly minimum fee. The standard fee structure is tiered, beginning at 0.80% annually for the first $10 million in assets under management, and decreasing for higher asset levels.

The firm is affiliated with Johnson Financial Group LLC (JFG Family Office) and benefits from access to additional services such as human capital consulting, philanthropic guidance and private investment opportunities. Although JFG describes itself as fee-based, it operates under a fiduciary standard and discloses potential conflicts of interest when recommending affiliated services or third-party money managers.

JFG Wealth Management builds customized portfolios based on each client’s financial goals, risk tolerance, time horizon, liquidity needs and tax considerations. The firm’s portfolio construction process begins with a client-specific Investment Policy Statement (IPS) and incorporates globally diversified strategies that emphasize tax and cost efficiency. JFG typically uses mutual funds, ETFs, separately managed accounts and private investments when appropriate.

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GPS Wealth Strategies Group is a fee-based adviser that provides investment management, financial planning and retirement consulting services to individuals, families, high-net-worth investors, small businesses, trusts and estates.

Its advisors may also offer insurance products and receive commissions, which presents a potential conflict of interest. However, as fiduciaries, the firm and its advisors are legally obligated to place clients' best interests ahead of their own in all investment recommendations.

GPS Wealth Strategies Group does not require a minimum asset level for its standard investment advisory services, though certain third-party programs may impose their own minimums. For example, the firm uses advisory platforms from LPL Financial that may require account minimums ranging from $1,000 to $250,000 depending on the program selected.

Professional credentials among staff include Certified Financial Planner™ (CFP®), certified public accountant (CPA) and other designations. Additionally, the firm’s advisors may be dually registered as representatives of LPL Financial, allowing them to sell securities and insurance products.

GPS tailors each client’s investment strategy based on a holistic understanding of their goals, time horizon, risk tolerance, and liquidity needs. Advisors use a combination of charting, cyclical, fundamental and technical analysis to guide security selection. Portfolios may include individual stocks and bonds, mutual funds, ETFs, options and alternative investments. Where appropriate, GPS may also use sub-advisors or third-party portfolio strategists, especially for separately managed accounts.