Reflective Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
47
0% 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
47
HighAverage account size
$0
About
Reflective Financial provides fee-only financial planning to individuals and high‑net‑worth clients through both ongoing and project‑based engagements, covering retirement, tax and estate planning, business planning, cash flow and debt management, insurance review, and college‑savings strategies. The firm delivers a written or electronic financial plan and may refer clients to third‑party professionals, but it does not act as a custodian or execute trades for client accounts.
Investment advice is grounded in Modern Portfolio Theory with an emphasis on asset allocation and primarily passive, index‑based mutual funds and ETFs; the firm also offers socially responsible (ESG) options when requested. Reflective Financial analyzes fund holdings, liquidity, and tax efficiency when making recommendations but does not provide portfolio management or discretionary trading for clients and reported $0 in assets under management as of December 31, 2025.
Compared with many independent advisers, the firm does not use percentage‑of‑AUM fees but instead charges fixed startup and recurring fees or project/hourly rates, and it does not accept commissions or performance‑based compensation. The firm documents client‑imposed restrictions, includes business‑owner and employee‑benefits optimization among its planning services, and maintains a written Code of Ethics and policies that preclude custody of client assets.
Client services
Financial planning
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Fixed fees ranging from $300 to $24,000
$300 per hour
Recurring fixed fee paid monthly ranging from $300 to $2,000
Minimum fee: One-time startup fee ranging from $300 to $5,000; recurring monthly fees ranging from $300 to $2,000 Fee-only: Fixed fees ranging from $300 to $24,000; hourly rate of $300
Main office location
Reflective Financial
Highlands Ranch CO, United States
Number of offices
1
Most active in
Reflective Financial 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:
-
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.
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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.
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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
Quick links
LinkedIn
Facebook
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Instagram
Website
719-357-5070
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