Financial Planning, Investment Management & Tax Strategies in Boulder, Colorado
Thoughtful, values-driven financial planning for individuals and families in Boulder, Colorado who want clarity, understanding, and alignment between their life and wealth.
- Thoughtful Planning
- Clear Guidance
- Long-Term Alignment
Thoughtful Financial Planning for Life’s Important Decisions
As life evolves, financial decisions often become more interconnected. Choices around investments, taxes, and retirement can carry more weight—especially for individuals and families living and planning in Boulder, Colorado, where personal, professional, and lifestyle priorities intersect.
At Welch Financial Planning, we work with clients throughout Boulder, Colorado who want a more thoughtful approach to financial planning. Our work is rooted in integrity, commitment, kindness, and trust, and centered on helping you understand your options so you can move forward with clarity and confidence.
Rather than offering one-size-fits-all advice, we take time to listen and build a plan designed to support your life—today and as it evolves.
When Financial Decisions Start to Feel More Complex
Many people we work with in Boulder, Colorado reach out during moments of transition—when financial decisions begin to feel more layered and interconnected.
You may be thinking about:
- Whether your current plan truly reflects your goals and values
- How your investments align with when you’ll need your money
- What options you should understand before making major decisions
- How taxes fit into your long-term planning
These considerations are common, especially as priorities shift and decisions carry greater long-term implications. A coordinated planning approach can help bring structure to these conversations.
Financial Planning Built Around What Matters Most
We believe financial planning works best when it reflects your values and your life—not a generic template.
Values-Driven Financial Planning
For clients in Boulder, Colorado, we take time to understand your priorities, concerns, and long-term goals, then build a plan designed to align your financial decisions with what matters most to you.
Fiduciary Guidance With Care
As fiduciary advisors, we are committed to acting in your best interest. Our guidance is shaped by long-term relationships, transparency, and a genuine commitment to the people and families we serve.
Clear and Understandable Fees
We offer a straightforward fee structure so clients in Boulder know what to expect as we work together—without unnecessary complexity or surprises.
A Simple Plan to Keep You Moving Forward
Our process is designed to bring clarity and direction at every stage.
Let’s Talk
We begin with a no-pressure conversation where you can share your goals, concerns, and questions. We start by listening.
Organize & Align
Together, we clarify what matters most and build a financial plan that aligns your life and your wealth—taking into account your goals, timing, and priorities.
Progress Confidently
As your life evolves, your financial plan evolves too. We provide ongoing guidance to help clients in Boulder, Colorado navigate changes and decisions thoughtfully over time.
Clear, Comprehensive, Ongoing Support
Our team implements your goals into a robust financial plan with a personalized investment strategy that’s rooted in experience, clarity, and a genuine commitment to your success.
Comprehensive Financial Planning
You’ve gotten yourself to a commendable spot – but with wealth comes complication. A well-written financial plan implemented by competent financial advisors can create a sustainable, more tax efficient retirement.
Investment Management
Strategic, long-term portfolio management built to support your goals, aligned with your risk preferences and stage of life. Our proprietary bucket strategy is a bold departure from the ‘one-size fits all’ pie chart that doesn’t take into account market conditions. We determine distributions by analyzing the current market cycle and on a client by client basis.
Tax Strategies
Taxes are probably the largest expense you will have in retirement. We integrate tax planning into all facets of your financial picture and at the core of all decisions. Appropriate timing of roth conversions and distributions from different investment accounts make a material impact, but is not discussed enough. Make smart decisions, year after year.
Insurance Solutions
Through our trusted partners, we’ll help ensure you have the right protection in place—without overcomplicating things.
Serving Individuals and Families in Boulder, Colorado
Welch Financial Planning is proud to work with individuals and families who value thoughtful guidance and long-term relationships. Many of our clients come to us when financial decisions feel more complex and clarity matters most.
Boulder, Colorado, sits at the base of the Rocky Mountain foothills and blends outdoor adventure with a lively, educated community. As the county seat of Boulder County, the city has grown into a place where innovation, wellness, and creativity feel like part of everyday life. With a 2025 population of 106,803, Boulder attracts students, professionals, families, and retirees who enjoy staying active while staying connected to culture and ideas.
The city is widely known for its strong economy and wide range of industries. Aerospace, bioscience, cleantech, IT and software, natural products, outdoor recreation, and quantum computing all play a role in shaping local jobs and business growth. This mix brings in people from across the country and beyond, creating a community that feels curious, forward-thinking, and well-informed.
Boulder’s cost of living is higher than many other places, largely due to housing prices. The average home value is around $923,959, and living expenses often run well above national averages. Median household income sits near $85,364, which reflects the city’s professional workforce and strong earning potential, especially in science, technology, and research-driven fields. For many residents, the lifestyle and opportunities make the numbers worthwhile.
Life in Boulder often revolves around the outdoors. The Flatirons and Chautauqua Park offer iconic views and miles of trails right outside town. Eldorado Canyon State Park draws climbers and hikers, while Flagstaff Mountain provides scenic drives and overlooks. The Boulder Creek Path winds through the city and gives locals an easy way to bike, walk, or relax by the water.
Between its mountain backdrop, active lifestyle, and diverse economy, Boulder continues to appeal to people who want more than just a place to live. It’s a city where work, play, and long-term planning all tend to go hand in hand.
Start With a Conversation
If you’re looking for a thoughtful, values-driven approach to financial planning in Boulder, Colorado, we invite you to schedule a conversation. We’ll take time to understand your situation and help you determine the next right step.