Financial Planning Fort Collins

Financial Planning Fort Collins, operating as FPFoCo, is a fee-only financial planning firm founded in 2012 that evolved from a personal finance blog into a full-time firm in 2016. The team describes itself as a group of Certified Financial Planner professionals who act as a full-time fiduciary, meaning they are obligated to deliver advice in the client's best interest. Their services include cash-flow planning, estate planning support, insurance analysis, investment management, and tax preparation.

The firm specializes in cash-flow planning to optimize where and when money moves, estate planning support to maintain financial integrity, and insurance analysis to avoid overpaying for premiums. They also provide investment management and planning that coordinates financial goals with portfolio options, as well as tax preparation and planning to implement effective strategies for individual income tax returns.

FPFoCo works with high-earning and equity-compensated professionals, growing families and young couples, childfree individuals and families, and those relocating or changing employers. They specifically target current and pre-retirees ready to create income plans, as well as high-tech, high-touch, and highly qualified individuals seeking comprehensive planning.

If accounts are managed at Fidelity or Charles Schwab, the firm generally uses mutual funds and exchange-traded funds (ETFs) based on the client's time horizon and risk tolerance. They also have a sub-advisor agreement with Betterment, which uses low-cost ETFs and offers clients a discounted fee of 0.15% when using the platform.

The firm evaluates available plan options and helps invest accounts consistent with the client's investment policy statement. Depending on the employer's plan, they may become the advisor of record at Fidelity or Schwab to manage the account in the same way and for the same fee as other managed accounts.

The office is open Monday through Thursday from 9:00 am to 6:00 pm and Friday from 9:00 am to 4:00 pm, with Saturday and Sunday closed. Prospective clients can schedule a complimentary 30-minute introductory call using the calendar on the website or by completing a contact form.

The firm provides a credit for up to $300 of external implementation costs each year to aid in the execution of the financial plan. This credit is part of their broader process that connects various financial considerations like cash flow, estate, and investments into actionable recommendations.

The firm is located at 375 E Horsetooth Rd, Bldg 3 Ste 203, Fort Collins, Colorado, 80525. Clients can reach them by phone at 970-225-0504 or 970-658-0050, and they also provide an email address for inquiries through their contact form.

Reviewers frequently highlight the team's expertise, excellent research, and clear communication. Many clients appreciate the fiduciary structure, which ensures unbiased guidance without pressure to sell specific products, and the team's ability to lower tax bills and align financial goals with life goals.

The firm launched in 2012 as a personal finance blog and transitioned to a full-time fee-only financial planning firm in 2016. Since then, it has grown into a team of financial planning specialists with deep expertise in various areas, continuing to scale to meet emerging client needs.

The team includes members with designations such as CFP®, EA, FPQP®, TPCP®, ABFP®, and CFP® with additional specializations. The founder, Jason Speciner, holds both CFP® and EA credentials, while other partners like Regina Neenan hold CFP® and ABFP®.

The firm emphasizes personalized communication and consultations, combining decades of experience with industry-leading certifications. They aim to simplify complex financial challenges through collaboration, ensuring clients feel supported and confident in their financial journey.

By operating as a registered investment advisor and utilizing a team of fee-only CFP professionals, the firm adheres to strict fiduciary standards. They focus on providing actionable advice and ongoing support to maintain a strong foundation for clients' financial well-being.

The firm creates an investment policy statement for clients that is offered for annual review. They strategically rebalance accounts periodically, ensuring the portfolio aligns with the client's risk tolerance and financial goals while using low-cost ETFs where applicable.

FPFoCo's mission is to simplify the complex and evolving challenges of a client's financial life with advice for both current needs and future planning. They strive to provide meaningful, ongoing value by acting as a full-time fiduciary dedicated to the client's best interest.