Theory Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$319,240,651
Clients
252
42% high-net worth
Advisors
3
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Clients per advisor
84
HighAverage account size
$1,266,828
About
Theory Financial is a registered investment adviser serving individuals (including high-net-worth clients), trusts, estates, corporations, pension and charitable clients, managing roughly $319.2 million across about 252 client relationships with a three-advisor team. The firm provides discretionary and non-discretionary investment management, comprehensive financial planning, retirement advisory services and consulting.
Theory constructs customized portfolios using a strategic, globally balanced asset-allocation framework primarily implemented with diversified mutual funds and ETFs, while incorporating individual stocks and bonds when appropriate. The firm combines Modern Portfolio Theory and fundamental analysis with cyclical analysis, monitors accounts regularly, and rebalances to policy targets, typically exercising discretionary trading authority when engaged.
Noteworthy features include a relatively large AUM relative to its small advisory team and an operational model that generally provides financial planning at no additional charge to investment-management clients, aligning planning with portfolio oversight. Theory recommends institutional custody (Charles Schwab) and uses third-party reporting platforms (Tamarac/Orion), does not accept commission-based compensation, and leaves proxy voting authority with clients.
Client services
Expertise
Fee options
$0 - $250,000: 0.99% $250,001 - $750,000: 0.85% $750,001 - $1,500,000: 0.75% $1,500,001 - $3,000,000: 0.65% $3,000,001 - $5,000,000: 0.55% $5,000,001+: 0.50%
$200/hour for stand-alone financial planning services
Fee-only: Financial planning fees are generally complimentary for clients using investment management services; stand-alone financial planning charged at $200/hour
Main office location
Theory Financial
2580 Harmony Road, Suite 201
Fort Collins CO 80528, United States
Number of offices
2
Most active in
Colorado · Texas · Wyoming
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
-
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.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")