B
Business Financial Strategies, Ltd.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$27,660,000
Total clients
12
100% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
12
Average account size
$2,305,000
About
The firm provides financial planning, investment management, and bespoke consulting to small businesses, business owners, and individual clients, including services such as budget forecasting and trust administration (the firm does not serve as trustee). It manages roughly $27.7 million for a very small client base and delivers written, personalized financial plans and periodic portfolio reports.
The advisor’s investment process is long‑term and buy‑and‑hold oriented, using a model asset allocation informed by a macroeconomic perspective and implemented primarily with mutual funds and ETFs, with occasional use of REITs, MLPs, individual bonds, and equity options where appropriate. Portfolio oversight is conducted on a non‑discretionary basis: the firm prepares detailed buy/sell recommendations and requires client approval to execute trades, although it can place trades for clients under a Limited Power of Attorney if authorized.
Distinctive features include a near‑total concentration of assets managed non‑discretionarily (a relatively uncommon practice among independent solo advisers) and a decision to stop accepting new clients as of January 1, 2017, resulting in a small, steady roster. The firm operates on a fee‑only basis (no commissions or performance‑based fees), uses a major custodian’s advisor services for execution and reporting, maintains a policy of not taking custody, and does not vote client proxies.
Client services
Financial planning
Portfolio management
Consulting services
Expertise
College savings (529s, UTMA, etc.)
Business Financial Management
Cash flow / budgeting
Occupation focus
Founder/Business Owner
Fee options
Consulting services such as budget forecasting billed on fixed fee per month.
$0 - $250,000: Negotiated >$250,000 - $500,000: 1.00% annually >$500,000 - $750,000: 0.56% annually >$750,000 - $1,000,000: 0.53% annually >$1,000,000 - $1,500,000: 0.50% annually >$1,500,000 - $2,000,000: 0.45% annually >$2,000,000 - $2,500,000: 0.38% annually >$2,500,000 - $3,000,000: 0.34% annually >$3,000,000 - $3,500,000: 0.30% annually >$3,500,000 - $4,000,000: 0.27% annually >$4,000,000 - $5,000,000: 0.24% annually >$5,000,000 - $7,500,000: 0.20% annually >$7,500,000 - $10,000,000: 0.18% annually >$10,000,000 - $15,000,000: 0.16% annually >$15,000,000+: Negotiated
Financial Planning Services billed at $125 per hour; Investment Management Services hourly billed at $125 to $150 per hour.
Fee-only: Financial Planning Services billed hourly at $125 per hour; Investment Management Services billed hourly ($125-$150 per hour) or percentage of assets fee as per tiered schedule; Consulting Services: Budget forecasting billed fixed monthly fee; Trust administration billed 0.50% annually of trust assets.
Main office location
Business Financial Strategies, Ltd.
Boulder CO, United States
Number of offices
1
Most active in
Business Financial Strategies, Ltd. has reported serving >5 clients in these states in the last 12 months.
Colorado
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")