Thrive Financial Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$4,500,000
Total clients
15
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
15
Average account size
$300,000
About
Thrive Financial Management is an independent, single-advisor registered investment adviser that serves individuals across a range of occupations including professionals, executives, entrepreneurs, retirees and small business owners. The firm provides discretionary portfolio management and fee‑only financial planning, offering both comprehensive plans and more targeted advice on topics such as gifting, debt management, and retirement.
The firm structures client relationships around a written Investment Policy Statement and emphasizes a largely passive investment approach, recommending roughly 90% of assets be held in indexed mutual funds and ETFs while allocating a small portion to sector funds or individual equities guided by macroeconomic and fundamental analysis. Accounts are managed on a discretionary basis, with quarterly or annual reviews and an in‑person planning process that produces a documented action plan for clients.
Distinctive features include the firm’s small scale—approximately $4.5 million in assets under management across about 15 clients—and its occasional offering of complimentary educational seminars and workshops for unaffiliated persons, a service that is uncommon among solo independent advisers. The firm also discloses that its principal balances advisory duties with outside employment and a small‑business role, and it requires custody at a single, designated custodian as part of its operational structure.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Passive / index investing
Cash flow / budgeting
Occupation focus
Executive
Founder/Business Owner
Retired
Fee options
Flat fees charged for Investment Consulting / Advisory Services, negotiable
1.0% annually
Hourly fees charged for Investment Consulting / Advisory Services, negotiable
Fee-only: Fee-only financial planning services; hourly and flat fees negotiable and depend on scope
Main office location
Thrive Financial Management
Monument CO, United States
Number of offices
1
Most active in
Thrive Financial Management 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 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.
Forms ADV
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