VanderHeiden Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,150,000
Clients
41
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
41
HighAverage account size
$223,171
About
VanderHeiden Financial is a solo independent advisory firm serving individuals, trusts, estates, pension and profit‑sharing plans, and small business entities. It provides written financial planning, recommendations and monitoring of third‑party investment advisers, and facilitates insurance product sales alongside its advisory services; the firm reports approximately $9.5 million in client assets across about 41 clients.
The firm operates on a primarily non‑discretionary basis and typically places clients with a recommended third‑party manager that handles portfolio management and trading. That recommended manager uses a fund‑of‑funds structure and applies Modern Portfolio Theory and the Fama‑French three‑factor model, while the firm focuses on asset allocation, tax efficiency, rebalancing and ongoing client reviews.
What distinguishes the firm from many peers is its combination of advisory work with insurance brokerage activity — the principal is a licensed insurance agent and the firm receives commissions from insurance product sales, including annuities sold in a separate capacity — and its acceptance of pension/profit‑sharing plan clients. The firm’s model relies on a co‑adviser arrangement in which the third‑party manager performs trading and custodian functions and retains the ability to restrict frequent changes in investment objectives, and the adviser itself does not exercise discretionary trading authority.
Client services
Financial planning
Selection of other advisers
Expertise
General retirement planning
Tax-loss harvesting
Annuities
Fee options
Fixed financial planning fee starting at $500, negotiable
$50,000 - $500,000: 1.00% annually $500,001+: 0.75% annually
Insurance commissions from sale of insurance products
$250 per hour, negotiable
Account minimum: $50,000 Minimum fee: Minimum fixed financial planning fee of $500, negotiable
Main office location
VanderHeiden Financial
Pagosa Springs CO, United States
Number of offices
2
Most active in
VanderHeiden 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.
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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.
-
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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