Liberated Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,392,041
Clients
13
8% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
13
LowAverage account size
$107,080
About
The firm provides comprehensive financial planning and discretionary portfolio management to individuals and small-business owners and does not impose a minimum account size. Core services include advice-based financial planning, money-mindset and behavioral coaching, retirement and business succession planning, and periodic in-depth plan reviews and deliverables.
Investment decisions are implemented with diversified portfolios intended to align with clients’ risk tolerance and goals, using fundamental and technical analysis alongside modern portfolio theory; the firm also employs Monte Carlo scenario testing and an annual risk-profile review to guide allocation and rebalancing. The adviser operates with discretionary trading authority and uses the Altruist custodial platform, including the optional Altruist One bundled subscription for select client accounts.
Distinctive elements include an affiliated insurance practice—where the adviser acts as a licensed insurance agent and integrates insurance reviews into client planning—and a content-creation and seminar program that supports public education and workshops. The firm also emphasizes behavioral coaching with proprietary tools (including an expense tracker) and discloses using endorsements and client testimonials in its advertising, a practice that is uncommon among independent advisors.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
Retirement income strategy
Charitable giving tax strategies
Occupation focus
Founder/Business Owner
Fee options
Financial planning and consulting fixed fees: $8,000-$10,000/year for non-business owners; up to $12,000 with additional services; $10,000-$12,000/year for business owners; up to $14,000 with additional services.
$0 - $500,000: 1.25% $500,000.01 - $1,000,000: 1.25% $1,000,000.01 - $2,000,000: 1.25% $2,000,000.01 - $3,000,000: 1.00% $3,000,000.01 - $4,000,000: 0.75% $4,000,000.01 - $5,000,000: 0.65% $5,000,000.01+: 0.55%
Advisors receive commissions on insurance products sold as licensed insurance agents.
$200 per hour for consultation/financial coaching services.
Altruist One monthly subscription fee of 0.01% or $1 per month (whichever is greater).
Fee-only: Financial planning and consulting fixed fees ranging from $8,000 to $14,000 annually depending on client type and complexity; hourly consultation fee of $200 per hour.
Main office location
Liberated Financial
Denver CO, United States
Number of offices
1
Most active in
Liberated Financial 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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
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.
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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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