Headwaters Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$900,000
Total clients
8
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
8
Average account size
$112,500
About
Headwaters Financial Planning, LLC is a single-advisor registered investment adviser serving a small client base of individuals, high-net-worth individuals and business entities. The firm offers discretionary asset management, hourly financial planning, and retirement-plan advisory services for qualified plans in addition to one-on-one wealth management.
The firm’s investment process uses fundamental analysis and modern portfolio theory to construct diversified portfolios of stocks, bonds, ETFs and no‑load mutual funds, with client objectives, time horizons and documented risk tolerances guiding asset allocation. Accounts are managed on a discretionary basis with regular monitoring and quarterly reviews, and clients may impose written restrictions on investments.
A distinguishing feature for a solo independent adviser is the provision of ERISA 3(21) services to workplace retirement plans — including assistance with investment policy statements, monitoring plan options, default investment advice and participant education — while expressly excluding certain asset types (for example, employer securities, private real estate and participant loans). The firm also does not vote client proxies (clients receive and vote their own proxies) and emphasizes written client authorization for fee deductions and any account limitations.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Retirement plans for business owners (SEP, solo 401k)
General retirement planning
Fee options
$0 - $1,250,000: 1.00% annually $1,250,000.01 - $2,500,000: 0.90% annually Over $2,500,000+: 0.80% annually
$250 per hour (negotiable)
Main office location
Headwaters Financial Planning, LLC
Granby CO, United States
Number of offices
1
Most active in
Headwaters Financial Planning, LLC 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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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