Financial Planning, Investment Management & Tax Strategies in Lafayette, Colorado
Thoughtful, values-driven financial planning for individuals and families in Lafayette, 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 Lafayette, Colorado, where personal, professional, and lifestyle priorities intersect.
At Welch Financial Planning, we work with clients throughout Lafayette, 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 Lafayette, 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 Lafayette, 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 Lafayette 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 Lafayette, 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 Lafayette, 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.
Lafayette, Colorado, is a welcoming city in southeastern Boulder County that blends small-town charm with easy access to the Front Range. Located about 20 miles northwest of Denver and just 10 miles east of Boulder, Lafayette sits close to the Rocky Mountain foothills while feeling comfortably its own. With a population of roughly 30,471, it offers room to breathe without feeling quiet or sleepy.
Families are drawn to Lafayette for good reason. In 2024, the city earned several impressive rankings, including 7th best place to live for families, one of the 50 best places to live in the U.S., and the 19th safest city in Colorado. Those honors reflect what many residents already know: Lafayette is friendly, active, and easy to settle into. The median household income of $110,431 supports a strong local economy, while the median property value of $647,600 is more approachable than nearby cities, making homeownership realistic for many buyers.
Daily life here offers plenty to enjoy. Waneka Lake Park is a favorite spot for walking, biking, fishing, and picnics, with views that make it hard to rush through the day. Families often spend weekends at the Wow! Children’s Museum, where hands-on exhibits keep kids curious and engaged. For those who enjoy a relaxed night out, a farm-to-table dinner at Three Leaf Farm highlights local flavors, while DEKI Spirits offers distillery tours that add a fun twist to an evening.
Craft beer fans have no shortage of choices, with Liquid Mechanics and Odd13 Brewing both serving creative pours in laid-back settings. Golfers can spend a sunny afternoon at Indian Peaks Golf Course, which pairs open fairways with mountain views that never get old.
With its strong sense of community, solid financial footing, and mix of recreation and dining, Lafayette appeals to people planning both for today and tomorrow. It’s a place where long-term goals feel right at home alongside everyday enjoyment.
Start With a Conversation
If you’re looking for a thoughtful, values-driven approach to financial planning in Lafayette, Colorado, we invite you to schedule a conversation. We’ll take time to understand your situation and help you determine the next right step.