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Fee-Only Financial Planning
No sales. Just good advice.
Kristi Sullivan, CFP®, provides objective financial guidance you can trust — with no commissions, no asset management fees, and no long-term commitments. Pay for advice, not products.
✓ CFP® Certified ✓ Fiduciary ✓ 27+ Years Experience
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What Makes Advice-Only Financial Planning Different?
Most financial advisors charge a percentage of your assets, typically 1% per year. Sullivan Financial Planning works differently.
Flat-Fee Pricing
You pay a transparent, one-time fee for your plan — not an ongoing percentage of your assets. A $2M portfolio saves $20,000/year compared to a typical 1% AUM fee.
No Conflicts of Interest
As a fee-only fiduciary, Kristi never earns commissions or kickbacks. Your advice is based entirely on what's best for you, not what generates fees for the advisor.
No Long-Term Commitment
Get the answers you need without signing over your financial life. You keep control of your accounts and only pay for the advice and planning you actually want.
Financial Planning Services
Flexible planning packages designed around where you are in life — not how much you have in the bank.
General Financial Plan
Ages 25–55, juggling multiple goals
A comprehensive plan covering debt, retirement, real estate, insurance, estate wishes, tax strategies, college planning, and wealth building — all in one package.
Retirement Readiness Evaluation
Ages 55–70, retiring within 5 years
Using projection software and 27+ years of experience, we’ll model Social Security timing, pension options, Roth conversions, Long Term Care, and more.
Investment Analysis
Current clients seeking portfolio clarity
Kristi analyzes your holdings and provides specific buy/sell recommendations to streamline your investments into a cohesive, low-cost portfolio.
Retirement Income & Withdrawal Planning
Clients transitioning into retirement
A specific withdrawal plan including account order, tax-efficient drawdown strategy, and investment allocation tailored to your retirement income needs.
Financial Planning Insights
Entertaining and educational musings from Kristi on money, and retirement.
Your Certified Financial Planner
Meet Kristi Sullivan, CFP®
Kristi has helped families and individuals make confident financial decisions since 1996. After working at Great-West Life and Fidelity Investments, she founded Sullivan Financial Planning in 2007 to provide the kind of honest, objective advice that’s hard to find — without corporate sales quotas directing the recommendations.
As a Certified Financial Planner™ and Colorado State University alumna, Kristi holds herself to the fiduciary standard and is a member of the Financial Planning Association of Colorado and the Alliance of Professional Women.
Ready to Get Honest Financial Advice?
Schedule a free 20-minute phone consultation with Kristi Sullivan, CFP®. You’ll discuss your goals and see if advice-only financial planning is the right fit — no pressure, no sales pitch.