Fee-Only Fiduciary | Denver, Colorado & Nationwide
Fee-Only Fiduciary Financial Advisor in Denver
Independent financial planning and investment management for Denver professionals, executives, families, and retirees with $1 million or more in investable assets.
Schedule an Intro Call Services & FeesA fiduciary financial advisor is required to act in the client's best interest when providing investment advice. Inclinevest Wealth Management is a fee-only fiduciary registered investment adviser based in Greenwood Village, Colorado, serving clients throughout Denver, Colorado, and across the United States.
The term "financial advisor" can describe professionals who operate under different business models and standards of care. Understanding how an advisor is compensated, what services they provide, and who holds your assets can help you evaluate whether the relationship is right for you.
Inclinevest works with individuals and families who generally have $1 million or more in investable assets and are looking for ongoing financial planning and investment management rather than one-time investment advice.
What Does a Fiduciary Financial Advisor Do?
A fiduciary financial advisor provides advice subject to a fiduciary duty. For an ongoing advisory relationship, that includes duties such as acting in the client's best interest and addressing or disclosing conflicts as required.
Financial planning
Coordinate retirement, taxes, investments, income, and other major financial decisions as part of an ongoing plan.
Investment management
Manage your investment portfolio around your goals, time horizon, risk tolerance, and need for future income.
Tax-aware planning
Consider the tax implications of investment and retirement decisions, including withdrawals and Roth conversions.
Retirement income
Develop a strategy for turning accumulated assets into retirement income while considering taxes and other income sources.
How Financial Advisors Are Paid
Compensation is one of the most important questions to ask when evaluating a financial advisor. Different firms can use different compensation models, and the structure can affect the types of conflicts that need to be disclosed.
Fee-only
The advisor is compensated by the clients they serve rather than through commissions from financial products. Inclinevest operates as a fee-only firm.
Fee-based
A firm may charge advisory fees while also receiving commissions or other compensation from certain products or transactions.
Commission-based
Compensation can be generated from the sale of financial products or transactions. The firm's disclosures should explain how the advisor is compensated.
Questions to Ask a Denver Financial Advisor
Before hiring a financial advisor, ask questions about the firm's compensation, fiduciary status, services, custody, and total costs.
Are you a fiduciary?
Ask when the fiduciary duty applies and whether the advisor will explain the scope of the advisory relationship in writing.
How are you compensated?
Ask whether the firm receives commissions, referral fees, product compensation, or other payments in addition to advisory fees.
Who holds my assets?
Ask whether your investment assets are held with an independent custodian and whether they remain in your name.
What will I pay?
Ask about advisory fees, fund expenses, account costs, and any other charges that could affect your total cost.
Why Work With Inclinevest
Inclinevest Wealth Management is an independent, fee-only fiduciary firm focused on ongoing financial planning and investment management.
Fee-only compensation
Inclinevest is compensated directly by the clients it serves rather than through commissions or financial product sales.
Ongoing relationship
We provide continuing financial planning and investment management rather than one-time investment recommendations.
CFP® professional
Planning and investment management are led by Gabriel Motta, CFP®, MBA.
Independent custody
Client investment assets are held at Charles Schwab in the client's name.
Denver and nationwide
Most meetings are conducted by video, with in-person meetings available when needed at our Greenwood Village office.
Financial Planning for Denver Professionals and Families
Inclinevest works with professionals, executives, families, and retirees who want ongoing financial planning and investment management. Common planning needs include retirement income, taxes, equity compensation, inherited wealth, and managing a substantial investment portfolio.
Retirement planning
Planning for retirement income, Social Security, Medicare, taxes, withdrawals, and portfolio sustainability.
Equity compensation
Planning around RSUs, stock options, concentrated positions, and the transition from employment income to investment income.
Sudden wealth and inheritance
Investment and financial planning for individuals and families who have received a substantial inheritance or other significant new wealth.
Investment management
Ongoing portfolio management coordinated with your financial plan, tax situation, retirement timeline, and income needs.
Serving Denver, Colorado, and Nationwide
Inclinevest is based in Greenwood Village and serves clients throughout the Denver metro area and Colorado, as well as clients across the United States.
Most meetings are conducted by video, making an ongoing financial planning and investment management relationship convenient regardless of location. Local clients can meet in person when needed at our Greenwood Village office.
Frequently Asked Questions
Fiduciary Financial Advisor Questions
What does fiduciary mean for a financial advisor?
A fiduciary financial advisor has a duty to act in the client's best interest within the scope of the advisory relationship. Fiduciary obligations also include duties related to conflicts of interest and disclosure.
What is a fee-only financial advisor?
A fee-only financial advisor is compensated by clients rather than receiving commissions from financial product sales. Inclinevest is a fee-only financial planning and investment management firm.
Is a fee-only advisor the same as a fiduciary?
No. Fee-only describes how an advisor is compensated, while fiduciary describes a legal duty that applies to an advisory relationship. A firm can be fee-only and operate as a fiduciary, as Inclinevest does.
How can I check a financial advisor's credentials?
You can review an investment adviser's public registration and disclosures through the SEC's Investment Adviser Public Disclosure database. CFP® professionals can also be verified through the CFP Board.
Who holds my investment assets?
Inclinevest clients have their investment assets custodied at Charles Schwab. The assets remain in the client's account and are not held by Inclinevest.
Do you work with clients outside Denver?
Yes. Inclinevest works with clients throughout Colorado and across the United States. Most meetings are conducted by video, with in-person meetings available at our Greenwood Village office when needed.
What is your minimum to work with you?
We typically work with individuals and families who have $1 million or more in investable assets and are looking for ongoing financial planning and investment management.
Talk Through Your Situation
Schedule an intro call to discuss your financial situation and see whether Inclinevest is a good fit.
Schedule an Intro Call