Answers from Inclinevest Wealth Management, a fee-only fiduciary financial advisor in Greenwood Village, Colorado, serving households in the Denver area, across Colorado, and nationwide. Topics include fees, retirement income planning, taxes, and what ongoing planning and investment management involve.
Inclinevest Wealth Management is a good fit for successful professionals, executives, business owners, and retirees who want one advisor to manage their investments and guide the bigger decisions around them. Many are approaching retirement, managing equity compensation, or juggling accounts, taxes, and goals that need to work together.
We have particular experience with:
If you want an advisor you can turn to as your situation changes, rather than occasional recommendations or a one-time plan, you'll likely feel at home here.
Yes. Inclinevest Wealth Management works with high-net-worth households with $1 million or more in investable assets, and with households holding $10 million or more. The planning questions change as wealth grows.
Below $10 million, the focus is usually making retirement income last, managing taxes on withdrawals, and timing Social Security. At $10 million and above, the questions often add concentrated stock and equity compensation, large pre-tax IRA balances and the required distributions that follow, estate and legacy planning, and coordination with your attorney and CPA.
Every household works with a fee-only fiduciary advisor, with no product sales, and a plan that's monitored over time.
We're not the right fit for everyone, and we'd rather tell you that up front. We may not be a match if you:
What we do best is long-term planning, evidence-based investing, tax-aware portfolio management, and retirement income, all connected to the goals that matter to you.
Most people want to spend less time managing money and more time on their careers, families, and retirement, with confidence that someone is watching the details. Common reasons include wanting help to:
Judgment and capacity can change over time with age, health, and sometimes medical treatment. Many people reach us after decisions that can't be undone, such as a Roth conversion, an inherited IRA rolled into their own name, an annuity purchase, or a large stock sale at a bad time. Having a plan and a fiduciary in place earlier helps protect you and your family.
Long stretches of rising markets create their own risk. When almost everything has gone up for years, it's easy to mistake a strong market for personal skill. Confidence grows, positions get concentrated, and people start using options and margin to chase more. Leverage magnifies losses as well as gains, and a margin call can force you to sell at the worst possible time. Many of the costliest mistakes we see come after the good years, not during the bad ones. A fiduciary who isn't swept up in the same emotions can keep your risk matched to your plan, which is the point of having one. Investing involves risk, including the possible loss of principal.
In most households, one spouse manages the money and the other relies on that person's judgment. That works until something changes, such as a health event, a death, a divorce, or a decision that goes wrong. Money is one of the most common sources of tension in marriages, and a plan both spouses understand leaves fewer surprises. We encourage both of you to join meetings, so each of you knows the accounts, the income plan, the beneficiaries, and who to call.
If the spouse who handles the finances passes away first, the survivor is often managing grief, paperwork, and a flood of outreach at the same time. Some firms and product salespeople market heavily to new widows and widowers, and commission-based advice can steer them toward products that pay the seller well. Having a fee-only fiduciary relationship in place beforehand means the surviving spouse already works with someone they know and trust, who's legally required to act in their best interest.
The best time is usually before a big decision, not after. Many people reach out when they're approaching retirement, receiving equity compensation, inheriting money, selling a business, changing jobs, or losing a spouse.
You don't need a crisis or a certain account size to ask questions. An introductory call is complimentary and carries no obligation, and it can help you decide whether now is the right time.
Fee-only means you pay your advisor directly, fiduciary means they're legally required to act in your best interest, and independent means they're not tied to a bank or brokerage. Here's what that means for you.
Being fee-only removes the biggest conflict of interest in this industry, though no advisory relationship is entirely free of conflicts. That's why we put our fees and disclosures in writing before you decide to work with us.
It's worth it when the guidance and management you receive are worth more to you than the fee. For many people, that means better-coordinated taxes and investments, fewer costly mistakes, more discipline when markets get rocky, and hours of their time back.
Ask any advisor what's included for the fee and how they'd help in your specific situation. We're glad to walk you through that on an introductory call, before you decide. No advisor can promise investment results.
In many ways, yes. A big name doesn't automatically mean better advice or better access. What matters is how your advisor is paid, who you work with, and what's available to you.
Through Charles Schwab, we can access a broad range of ETFs, mutual funds, individual stocks, and bonds, and we aren't limited to a proprietary lineup. We can also help you evaluate lending and trust solutions through Schwab or other providers, and bring in outside specialists when your situation calls for it. You get all of that along with direct access to the people managing your plan.
Availability, eligibility, fees, and terms vary by service and provider.
Ask any advisor you're considering these questions:
Ask for the firm's Form ADV brochure, fee schedule, and advisory agreement, and check registration and disciplinary history on the SEC's adviser search. You can start with our Form ADV or search any advisor.
You'll work with the two CFP® professionals who run the firm. Gabriel Motta, CFP®, MBA, AWMA™, started in financial services in 2004 and has worked at GE Capital, UBS, U.S. Bank, Bank of America, and BBVA, including as UBS's Regional Wealth Planning Analyst for Colorado, so he knows how the big firms operate from the inside. He founded Inclinevest Wealth Management in 2019 and leads planning and investment management.
Sunisa Motta, CFP®, EA, is both a CFP® professional and an enrolled agent, a federal credential for representing taxpayers before the IRS. She leads tax coordination and day-to-day service.
The firm is a member of NAPFA and the XY Planning Network. You can review our Form ADV and verify Gabriel's CFP® certification.
It starts with a complimentary, no-obligation introductory call. We learn what matters to you, answer your questions, and see whether we're a good match.
If we both want to move forward, we gather your financial information, clarify your goals, and look at how your investments, taxes, and other decisions fit together. Then we put the plan and investment strategy into action.
The work doesn't stop there. We review your progress, help with new decisions, and adjust the plan as your life changes.
Your plan stays active after the first meeting. Ongoing work includes portfolio management and rebalancing with tax lot level detail, using institutional tools through our custodian that individual investors typically can't access. It also covers retirement income adjustments, Roth conversion and withdrawal decisions through the year, and updates when tax laws change.
We coordinate estate planning changes, rental properties, business interests, equity compensation, and shifting goals with your CPA and attorney. Each of these moves over time, and each affects the others.
We believe investment decisions should rest on evidence, diversification, low costs, tax awareness, and your goals, not short-term market predictions.
Portfolios are tailored to your risk tolerance, time horizon, and retirement objectives. Depending on your situation, they may include diversified ETFs, mutual funds, individual stocks and bonds, and professionally managed strategies.
We focus on what can be managed: costs, taxes, diversification, and keeping a sound long-term strategy. Investing involves risk, including the possible loss of principal, and no strategy guarantees a profit.
Yes. Retirement income planning is one of the core things we do for pre-retirees and retirees in Colorado and across the United States. We turn your savings, Social Security, pensions, and other assets into a spending plan, then keep adjusting it as markets, taxes, and your life change. That includes:
The plan and the investments have to work together, so we manage both directly. Raising income from the right accounts and tax lots, often quarterly, takes advanced trading and three specialized software platforms that individual investors don't generally have access to. Stress tests use historical data and can't predict or guarantee future results.
Many people manage their own savings successfully for decades, and that can work well while you're building wealth. Drawing income is a different job. Spending, taxes, Social Security, required distributions, and market swings all affect each other, and the right move changes as conditions do.
For households with larger portfolios, several account types, rental properties, or business interests, doing it well means ongoing tax-lot level trading, regular recalculation, and software that models taxes across every account. That level of work relies on institutional platforms that aren't generally available to individual investors, which is why we manage the investments directly as part of the plan. If you'd like to see what that would look like for you, an introductory call is a good place to start.
Yes, but availability is limited. Most of our time goes to ongoing relationships that combine planning and investment management, so one-time plans are only available when we have capacity, and there's a waiting list.
We focus on ongoing work because a plan starts going out of date the day it's delivered. Tax laws change, markets move, estate documents need updating, rental properties and business interests evolve, and goals shift. The more moving parts you have, the faster a one-time plan ages. Retirement income works the same way, since someone has to keep adjusting spending, withdrawals, and taxes as conditions change.
To ask about a one-time plan or where the waiting list stands, schedule an introductory call. If you have a larger portfolio or a more complex situation, an ongoing relationship is usually the better fit, and we'll tell you that up front.
Yes. We help federal employees coordinate FERS pension benefits, the Thrift Savings Plan (TSP), Social Security, federal benefits, taxes, and retirement timing. There's often a lot of overlap with aerospace and defense, since many federal employees move into that industry or work alongside it.
Yes. We work with professionals in aerospace, defense, space, and technology who are navigating complex pay, career, and retirement decisions. Depending on your situation, planning can include:
Learn more about planning for aerospace and defense professionals. Equity compensation planning.
Yes. Managing and opening inherited accounts, including inherited IRAs, is a specialty of ours. We help you understand your options, the distribution rules and tax impact, and how the account fits into your broader plan.
Learn more about planning after an inheritance. Inherited IRA planning.
Yes. Losing a spouse brings financial decisions at the same time as grief, and we help surviving spouses sort through them at a pace that makes sense. That can include survivor Social Security benefits, inherited IRAs, taxes (including the widow's tax penalty), investments, and retitling accounts. You don't have to decide everything right away.
If you're planning ahead, building this relationship while both spouses are here makes the transition much easier.
Yes. We help owners who are about to sell, or just sold, invest the proceeds and plan for what's next. That includes working through earnouts, rollover equity, installment payments, and escrow, and deciding how much to keep in cash, how much to invest, and what the sale means for your retirement.
Your CPA and attorney handle the deal structure and taxes, and we work alongside them. If you're still negotiating, you're welcome to reach out early, since planning before closing can give you more options. Your assets stay in your own name at Charles Schwab.
Learn more about financial planning after selling a business. Schedule a free 30-minute call
Yes. With your permission, we coordinate with your CPA, estate planning attorney, and other advisors so your investments and plan line up with the rest of your financial life.
If you need specialized expertise, we can recommend someone. For example, if you have stock options or restricted stock, we can introduce you to a CPA experienced in equity compensation and executive taxation.
Tax preparation and legal services come from qualified outside professionals. We work alongside them and don't replace them.
Yes. We're based in Greenwood Village, Colorado, and work with households in the Denver area, across Colorado, and throughout the United States. Most meetings happen over secure video, and documents are handled digitally, so living somewhere else doesn't get in the way of a close advisory relationship.
If you live outside the United States, eligibility depends on legal, regulatory, custodial, and tax rules, so ask us about your situation.
Yes. Our office is in Greenwood Village, in the Denver Tech Center area. Most people prefer video meetings for convenience, but we're happy to meet in person when that works for you and our schedules line up.
How often we meet depends on you. Some households meet with us once or twice a year, and others meet more often, depending on the relationship, the complexity of their finances, and the scope of services. Each review covers your plan, portfolio, priorities, and anything that has changed in your life.
You're not limited to those meetings. When a question or an important decision comes up, reach out. We'll talk through how communication works when we start, so you know how to reach us and what to expect.
It depends on the firm and the services. Many advisors charge a percentage of the assets they manage, often around 1% a year. At Inclinevest Wealth Management, our primary relationship combines investment management with ongoing financial planning and advice. Most relationships are charged between 0.50% and 1.00% annually, and the fee generally goes down as assets under management go up.
We explain your fee and exactly what's included before you decide whether to move forward.
When you compare advisors, look at the total cost: the advisory fee, fund expenses, and any transaction costs. The lowest advisory fee doesn't always mean the lowest overall cost.
Your assets are held at Charles Schwab & Co., Inc., in accounts in your name. They aren't held by Inclinevest, and Schwab provides your statements and account access.
You can log in to your accounts through Schwab's secure portal at any time, subject to Schwab's procedures and your account agreements. With your authorization, we manage your investments for you without ever taking possession of your assets.
We handle most of the work. We help you open accounts and complete the paperwork, and in many cases your investments can transfer directly between institutions without being sold first. Existing Schwab accounts usually need only a simple trading authority form.
Timing depends on the institutions and account types involved, and a few investments may not transfer or may need a decision before moving. We walk you through all of it before anything starts.
Your accounts are held in your name at Charles Schwab, not at Inclinevest, so you keep direct access to your money through Schwab at all times, subject to its procedures.
Our team includes a second CFP® professional, so your planning relationship doesn't depend on one person. We also maintain business continuity and succession procedures covering communication and firm operations. You're welcome to ask us about them before you decide to work with us.
Yes. Gabriel Motta is fluent in Spanish, and his grandparents are from Spain. He grew up in Brooklyn before moving to Colorado, and his career included time at BBVA, the Spanish banking group, along with U.S. Bank and UBS.
He works with Spanish-speaking families across the United States, including high-net-worth households with $1 million or more in investable assets and ultra-high-net-worth households with $10 million or more. That includes business owners, executives, and professionals, as well as families receiving an inheritance or selling a business. Planning can cover retirement income, taxes, Social Security, equity compensation, business sale and succession decisions, and estate and legacy planning, all in your preferred language.
Most meetings happen by video, so location doesn't limit who you can work with, and in-person meetings are available when needed.
Learn more about our Spanish-speaking financial advisor services.
We believe financial planning should be transparent and easy to understand. Here are some common questions people ask before working with Inclinevest.
If you don’t see your question here, feel free to reach out — we’re always happy to have a conversation.
