Download Your Retirement Checklist and Timeline!
Stay organized and prepared for retirement with my comprehensive checklist and timeline. Enter your name and email below to get instant access.
Investment Analysis & Recommendations
Turn a mish-mash of accounts into a real portfolio.
Current clients who have completed a General Financial Plan or Retirement Readiness Evaluation
Are your investments a mish-mash of hastily chosen securities? Is the road behind you littered with 401(k)s from past jobs? It’s time to streamline everything into a cohesive, low-cost portfolio that actually matches your goals.
Kristi will analyze what you’ve done and provide specific recommendations on what to buy, what to sell, and why. You’ll walk away with a streamlined investment program — and the training to manage it yourself.
How the Process Works
A clear, structured process designed to be thorough while respecting your time.
Phase 1
Share your current holdings
- Send Kristi your investment statements through a secure link
- Appointment to determine your goals and preferences for the portfolio
Phase 2
Get specific recommendation
- Investment analysis with specific buy/sell recommendations, reasoning, and supporting documentation
- One 60-minute appointment to examine the results together
- Post-appointment summary and adjustments based on your conversation
Phase 3
Take control of your portfolio
- Training or joint calls on how to use your investment platform to place trades
- Six months of email support for follow-up questions and implementation
Payment: 50% at contract signing · 50% upon scheduling first appointment
Deep dive and specific investment recommendations may be purchased in a separate package.
Transparent, Flat-Fee Pricing
One-time fee. No ongoing charges. No percentage of your assets.
Pikes Peak
$1,500
Net worth under $2M or income under $300K
Typical 1% AUM cost $2,000–$10,000/yr
Sunlight Peak
$3,000
Net worth $2M–$7M or income $300K–$750K
Typical 1% AUM cost$10,000–$30,000/yr
Longs Peak
$7,000
Net worth above $7M or income above $750K
Typical 1% AUM cost$70,000+/yr
Ongoing Support for Current Clients
Annual Review
Clients who have completed a plan within the last 3 years
Things change, life happens, investments go up, investments go down. Keep on track to reach your financial milestones by reviewing your plan at least once per year.
Annual reviews are conducted for an hourly fee. Pre-work and meeting fees vary based on your needs. You and Kristi will determine scope and pricing before the work begins — no surprises.
Ongoing & Impromptu Help
Current clients who have completed a plan
Combining finances with a partner? Changing jobs? Getting an inheritance? Having a baby? Life doesn’t wait for your annual review.
Pikes Peak - $350/hr
Sunlight Peak - $400/hr
Longs Peak - $450/hr
Frequently Asked Questions
Common questions about this service.
Financial advisors offer many levels of financial support to potential clients, and many times the degree of support is related to the manner in which they are paid. Advice-only advisors form 0.1% of financial advisors, and unlike other financial advisors, they do not receive commissions or manage your assets for you.
Source: https://smartasset.com/financial-advisor/advice-only-financial-advisor-services-and-fees
I work best with clients who naturally spend within their income.
Examples: first home purchase, feasibility of a second home, rental property purchase/sale, downsizing.
Yes, real estate questions can be answered as part of an overall planning package or, for current clients, on an ad-hoc hourly basis.
No, I do not recommend cryptocurrency as an asset class.
That depends on your situation, but I will always be efficient with your time while being thorough in answering your questions. You will be given the option to continue with more appointments or end our conversation at a reasonable stopping point.
Fee-only financial planners get paid by you directly; fee-based planners may also earn commissions on products they sell.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
addie@moneyfull.com | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
addie@moneyfull.com | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
Yes! A fiduciary financial adviser is one that puts clients’ interests first when giving providing advisory services. My business is only selling financial advice by the hour, so there is no hidden agenda to get a commission from selling insurance products, investments that generate commissions, or fees for long-term asset management.
I am a buy-and-hold investor with annual rebalancing. If I am helping you to create a portfolio, I will not be reacting to big stock market swings with a communication to suddenly buy or sell assets. I am not a day-trader, stock-picker, or cryptocurrency expert. Days go by when I don’t even know what happened in the stock market because I am helping clients with their long-term planning, not short-term trading.
I believe in holding diversified asset classes (US big stocks, US medium, and small stocks, international investments, and bonds). I believe in using low-cost mutual funds and ETFs for easy diversification. I believe that simple is usually best. I like easy investment solutions like Target Date Funds and Asset Allocation Funds.
Ready to Get Started?
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.