JIM Saulnier & Associates, LLC

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Client assets under management

$286,158,221

Clients

184

47% high-net worth

Advisors

of 7 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

Low

Average account size

$1,555,208

About

The firm serves individual and high‑net‑worth clients, with a particular focus on those approaching or in retirement, providing retirement and financial planning, portfolio management, investment analysis, and tax‑focused planning and preparation. Services range from stand‑alone retirement/financial plans to ongoing portfolio management tailored for both accumulation and distribution phases.

Its investment approach emphasizes passive model portfolios designed to emulate third‑party target‑risk benchmarks and a distinct Investment Positioning program for clients in the distribution phase; most accounts are managed on a discretionary basis and subject to periodic review. Rather than a traditional percentage‑of‑assets fee model common among peers, the firm has moved to a fixed‑fee structure and requires client accounts to be maintained on a third‑party performance and invoicing platform.

Noteworthy features include an affiliation with a tax planning business staffed by enrolled agents and CPAs that provides tax preparation and planning to clients, and the firm’s delivery of retirement plans via a recorded video, written summary, and transcript. The firm discloses potential conflicts arising from its affiliated tax and insurance activities and describes mitigation practices such as offering fee‑based alternatives and allowing clients to implement recommendations through providers of their choice.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning Retirement income strategy Income planning Roth conversion strategy General tax planning

Occupation focus

Retired

Demographic focus

Approaching retirement

Fee options

Fixed

Retirement Portfolio Positioning one-time fee: $1,600 per household; Financial Planning Fees for retirement plans: Single-member household: $5,600; Two-member household: $6,200

Project-based

Senior Planners: $260 per hour; Junior Planners: $190 per hour

Other

Account minimum: $500,000

Main office location

JIM Saulnier & Associates, LLC

506 East Mulberry St

Fort Collins CO 80524, United States

Number of offices

Most active in

Arizona · California · Colorado · Florida · Georgia · Illinois · Louisiana · Maryland · Michigan · New Hampshire · New Jersey · New York · North Carolina · Ohio · Pennsylvania · Texas · Washington

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

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.

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 970-530-0556

Advisors at this firm

James S

CFP®, Series 63, Series 65

Fort Collins, CO

JIM Saulnier & Associates, LLC

James Saulnier is a CFP® professional with 26 years of experience in financial advising. He is the principal of Jim Saulnier & Associates, LLC, based in Fort Collins, CO, and has worked with Cambridge Investment Research since 2012. Saulnier also serves as a board member of the Larimer County Retirement Board and operates an affiliated tax planning practice. Jim Saulnier & Associates provides retirement-focused financial planning, tax-aware planning, and discretionary portfolio management primarily for individual and high-net-worth clients nearing or in retirement. The firm offers comprehensive retirement analyses, manages investment models based on passive strategies, and maintains an affiliated tax planning business alongside licensed insurance activities.

General retirement planning Retirement income strategy Income planning Roth conversion strategy General tax planning Retired Approaching retirement

Jacob T

Series 65

Fort Collins, CO

JIM Saulnier & Associates, LLC

Jacob Turner is a Series 65-licensed financial advisor with two years of industry experience, currently working at Jim Saulnier & Associates, LLC. Prior to joining the firm, he worked at Financial Design Studios and spent 14 years at AbbVie, Inc. Jim Saulnier & Associates provides retirement-focused financial planning, tax-aware planning, and discretionary portfolio management primarily for individual and high-net-worth clients approaching or in retirement. The firm emphasizes comprehensive retirement analyses and offers both passive investment models and targeted portfolio positioning based on detailed tax-focused planning.

General retirement planning Retirement income strategy Income planning Roth conversion strategy General tax planning Retired Approaching retirement

Jacob V

CFP®, Series 65

Fort Collins, CO

JIM Saulnier & Associates, LLC

Jacob Von Loh is a CFP® and holds a Series 65 license with four years of industry experience. He has been with Jim Saulnier & Associates, LLC since 2019, working in roles that involve retirement-focused financial planning. Prior to his advisory career, he worked at Niwot Lawn Care for six years. Jim Saulnier & Associates provides retirement-focused financial planning, tax-aware planning, and discretionary portfolio management primarily for individual and high-net-worth clients near or in retirement. The firm emphasizes comprehensive retirement analyses and manages portfolios using a combination of passive investment models and targeted positioning for clients in distribution.

General retirement planning Retirement income strategy Income planning Roth conversion strategy General tax planning Retired Approaching retirement

Christopher S

CFP®

Fort Collins, CO

JIM Saulnier & Associates, LLC

Christopher Stein is a CFP® professional with seven years of industry experience, currently serving at Jim Saulnier & Associates, LLC since 2018. He has also been affiliated with Jim Saulnier since 2008. In addition to his advisory role, Stein is a finance lecturer at Colorado State University, where he has taught since 2008. Jim Saulnier & Associates provides retirement-focused financial planning, tax-aware planning, and discretionary portfolio management primarily for individual and high-net-worth clients nearing or in retirement. The firm emphasizes comprehensive retirement analyses, passive investment models, and tax-focused planning with ongoing client engagement.

General retirement planning Retirement income strategy Income planning Roth conversion strategy General tax planning Retired Approaching retirement

Thomas D

CFP®, Series 66

Fort Collins, CO

JIM Saulnier & Associates, LLC

Thomas Darden is a CFP® professional with seven years of experience in financial advising. He has worked at JIM Saulnier & Associates, LLC since 2019 and has prior experience with Bank of America and Merrill Lynch. He is also a licensed insurance agent. JIM Saulnier & Associates, LLC provides retirement-focused financial planning, tax-aware planning, and discretionary portfolio management primarily for individual and high-net-worth clients nearing or in retirement. The firm emphasizes comprehensive retirement analyses and manages portfolios through a combination of passive investment models and targeted positioning based on client-specific retirement plans.

General retirement planning Retirement income strategy Income planning Roth conversion strategy General tax planning Retired Approaching retirement

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