Innovative Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$105,290,978
Clients
115
53% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
115
Very HighAverage account size
$915,574
About
Innovative Financial is a fee-only registered investment adviser that provides comprehensive financial planning, ongoing discretionary investment management, and tax preparation to individuals and a range of institutional clients. The firm reports managing about $105.3 million in discretionary assets for roughly 115 clients and offers both planning and portfolio services under one advisory relationship.
Investment decisions are driven by modern portfolio theory and multi-factor academic research, including the Fama–French framework, and implemented primarily with globally diversified index mutual funds and ETFs. Portfolios are constructed from rigorously designed models with an intentional tilt toward smaller-cap and value-oriented equities, and the firm follows a buy-hold-and-rebalance discipline rather than market timing.
Distinctive features include a principal who is a Certified Public Accountant and the integration of tax preparation into the planning process at no separate charge, which the firm treats as part of its holistic advice. The firm operates with no asset minimum, limits its services to discretionary management, and maintains a fee-only structure with no third-party commissions, while adhering to professional fiduciary and ethical standards.
Client services
Financial planning
Portfolio management
Tax preparation services
Expertise
Passive / index investing
Fee options
Pre-negotiated flat fees as set forth in written fee agreement
Hourly charges reported in SEC Form ADV Part 1 but not specifically detailed in brochure
Fee-only: Pre-negotiated flat fees as set forth in written fee agreement
Main office location
Innovative Financial, LLC
355 South Teller Street, Suite 200
Lakewood CO 80226, United States
Number of offices
1
Most active in
Innovative Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Colorado · Texas
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.
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