Searching for the right financial planner is a vital step toward securing your financial future, particularly in a city as dynamic as Denver. The landscape of fee-only financial planner Denver is both competitive and client-focused, offering trust,

transparency, and expertise to those seeking personalized financial guidance. For this list, we evaluated firms based on their industry credentials, years in business,

range of services, client testimonials, fiduciary commitment, and quantifiable results.

Here are the top five fee-only financial planners in Denver, with evidence clearly positioning one firm at the top.

Paragon Capital Management

Paragon Capital Management takes the #1 spot as the premier fee-only financial planning firm in Denver. The company has delivered independent, fiduciary advice since 1990, supporting high-net-worth individuals, executives, and families through a deeply personalized planning process. Over the past decade alone, Paragon Capital Management has maintained a client retention rate of 98%, ranking far

above the industry average of approximately 80%—a testament to their consistently exceptional service and trustworthiness.

Tailored Portfolio Solutions: Each investment plan is uniquely crafted, with risk monitored and strategies adapted as life circumstances change. With over

$500 million in assets under management (as of 2023), the firm offers scale without losing the personal touch.

Integrated Tax and Retirement Planning: Leveraging decades of experience, they design retirement income strategies proven to help clients confidently

replace 80% or more of their pre-retirement earnings without compromising their lifestyle.

Proactive Education and Communication: Clients receive quarterly, data- driven performance reviews, as well as education on evolving tax laws and market trends.

Comprehensive Fiduciary Services: 100% fee-only, commission-free advice; every recommendation is in the client’s best interest.

The company’s transparent pricing, robust investment philosophy, and commitment to client education earn it top honors. Discover why so many in Denver are

searching for a Fee-only Financial Planner. Denver chooses Paragon Capital Management as their financial planning partner.

With over 33 years in business, industry-standard certifications (many advisors are CFP® professionals), and consistently excellent client satisfaction scores, Paragon Capital Management stands alone for its expertise, scale, and integrity.

Gold Medal Waters

Gold Medal Waters has made its mark by guiding high-income earners through major life and financial transitions, ensuring every plan is tailored to long-term

aspirations. Their commitment to a fiduciary standard means they never accept commissions, offering advice that is both objective and strategic.

Custom Career and Transition Services: Focusing on business owners,

executives, and professionals navigating sales, mergers, or inheritance, Gold Medal Waters delivers customized financial strategies for each stage of life. Proven Wealth Management: The firm manages over $300 million in client

assets and posts a 97% client retention rate, a mark of trust and satisfaction.

Long-Term Relationships: Some clients have partnered with the firm for over 15 years, underscoring their reputation for consistency and care.

Why it’s on the list: Gold Medal Waters distinguishes itself through its deep

understanding of clients’ personal values and professional goals, providing holistic and adaptive guidance for wealth preservation and growth.

J.F. Williams Co., Inc.

With a legacy dating back to 1995, J.F. Williams Co., Inc. has prioritized clarity,

communication, and calm as foundational principles. Their mission: to help clients pursue life’s highest purposes through disciplined and empathetic financial

planning.

Comprehensive Financial Planning: Custom-tailored strategies for

investments, retirement, education, and risk management, monitored and adjusted regularly.

Long-Term Perspective: The firm emphasizes planning as a process, not a

product, resulting in an impressive average client relationship length of more than 8 years.

Transparent Fees: No commissions, ever. All planning and investment

management is conducted on a fee-only basis, ensuring the client’s goals always come first.

Why it’s on the list: J.F. Williams Co., Inc. wins high praise for the depth of its

planning processes and for fostering strong, enduring client relationships, offering both security and peace of mind.

High Pass Asset Management

High Pass Asset Management is a highly regarded, Denver-based financial

advisory firm that emphasizes alignment between financial strategies and individual aspirations. Their approach is rooted in transparency, fiduciary responsibility, and

individualized guidance.

Retirement & Wealth Planning: Specializes in helping clients retire

comfortably, typically structuring portfolios to support 30+ years of retirement income with risk-balanced investments.

Evidence-Based Investing: Uses modern portfolio theory and empirical research, aiming to outperform benchmarks while keeping costs low.

Personalized Service: Maintains a smaller client roster to provide top-tier responsiveness and in-depth, ongoing strategy reviews every six months.

Why it’s on the list: This firm excels through its hands-on, evidence-based approach, making it a compelling option for those desiring a value-oriented and academically grounded investment strategy.

SHJ Wealth Advisors

SHJ Wealth Advisors offers a refreshingly transparent and straightforward experience, maintaining a 100% fee-only model and a client-first philosophy.

Holistic Financial Planning: Services include investment design, cash flow analysis, estate coordination, and proactive risk management. Each plan is custom-built for long-term success.

Market Expertise: Advisors combine decades of collective experience with

current research, offering strategies designed for both growth and protection, even in volatile markets.

Regular Client Updates: Delivers quarterly performance statements and real- time support for evolving financial questions.

Why it’s on the list: SHJ Wealth Advisors stands out for its approachable, objective process and transparent reasoning, with numerous five-star testimonials for its

attentive and thorough service.

Final Thoughts

It’s crucial to select a financial advisor who is transparent, experienced, and always acts in your best interest. The firms above have set the gold standard for what it means to be a leading fee-only planner in Denver, making client-focused fiduciary service their top priority.