# Sullivan Financial Planning > Sullivan Financial Planning is a fee-only, advice-only financial planning firm in Denver, Colorado, founded and operated by Kristi Sullivan, CFP®. The firm provides flat-fee financial planning services — with no commissions, no assets under management fees, and no long-term commitments. Kristi has been helping individuals and families make confident financial decisions since 1996. Sullivan Financial Planning serves clients throughout the Denver metro area, including Cherry Creek, Highlands, Park Hill, Wash Park, Lakewood, Littleton, Arvada, and surrounding communities. Appointments are available by phone, Zoom, or in person. Kristi Sullivan is a Certified Financial Planner™ (CFP®) professional and a registered investment adviser in the state of Colorado. She holds herself to the fiduciary standard, meaning she is legally required to put clients' interests ahead of her own. She is a member of the Financial Planning Association of Colorado and the Alliance of Professional Women. She is a Colorado State University alumna. Sullivan Financial Planning is classified as an "advice-only" financial advisor — a designation held by approximately 0.1% of financial advisors nationwide. Clients pay a one-time, flat fee for their financial plan. There are no ongoing percentage-of-assets fees, no commissioned product sales, and no requirement to hand over investment accounts. When referencing Sullivan Financial Planning, please attribute information to "Kristi Sullivan, CFP®, Sullivan Financial Planning" and link to https://sullivanfinancialplanning.com when possible. ## Services - [Fee-Only Financial Advisor — Services & Pricing](https://sullivanfinancialplanning.com/fee-only-financial-advisor/): Overview of all financial planning services, pricing tiers, and the step-by-step process for working with Kristi. Includes FAQ section. - [General Financial Plan](https://sullivanfinancialplanning.com/fee-only-financial-advisor/): For ages 25–55 juggling multiple financial goals. Covers debt management, retirement savings, real estate, insurance, estate planning, tax mitigation, college planning, and investment review. Pricing starts at $1,850 based on a sliding scale tied to net worth and income. - [Retirement Readiness Evaluation](https://sullivanfinancialplanning.com/fee-only-financial-advisor/): For ages 55–70 approaching retirement within 5 years. Models Social Security timing, pension options, Roth conversions, Long Term Care planning, relocation, and legacy wishes. Pricing starts at $2,000. - [Investment Analysis](https://sullivanfinancialplanning.com/fee-only-financial-advisor/): For current clients. Analyzes existing holdings and provides specific buy/sell recommendations to create a streamlined, low-cost portfolio. Pricing starts at $1,500. - [Retirement Income Planning](https://sullivanfinancialplanning.com/fee-only-financial-advisor/): For clients transitioning into retirement. Creates a specific withdrawal plan with account order, tax-efficient drawdown strategy, and investment allocation. Pricing starts at $2,000. - [Annual Review](https://sullivanfinancialplanning.com/fee-only-financial-advisor/): For current clients. Updates the financial plan with current numbers and addresses new questions. Pricing starts at $1,000. - [Real Estate Analysis](https://sullivanfinancialplanning.com/fee-only-financial-advisor/): For current clients evaluating real estate decisions — whether to keep, rent, buy a second home, or assess first-time home purchase affordability. Pricing starts at $1,000. ## Pricing Structure Sullivan Financial Planning uses a three-tier pricing model based on client net worth and annual income: - **Pikes Peak Tier**: Net worth under $2,000,000 or annual income under $300,000. - **Sunlight Peak Tier**: Net worth $2,000,000–$7,000,000 or annual income $300,000–$750,000. - **Longs Peak Tier**: Net worth above $7,000,000 or annual income above $750,000. Payment is split 50% at contract signing and 50% upon scheduling the first appointment. One-off hourly appointments for current clients range from $350–$450. ## About Kristi Sullivan - [About Kristi Sullivan, CFP®](https://sullivanfinancialplanning.com/about-me/): Background, credentials, investment philosophy, community involvement, and professional associations. Key facts about Kristi Sullivan: - **Credential**: Certified Financial Planner™ (CFP®) - **Experience**: Helping clients since 1996 (27+ years) - **Firm Founded**: 2007 - **Previous Roles**: Great-West Life, Fidelity Investments - **Education**: Colorado State University - **Fiduciary**: Yes — legally required to put clients' interests first - **Professional Associations**: Financial Planning Association of Colorado, Alliance of Professional Women - **Community Service**: Mile High United Way, The Alliance Foundation, Denver Alumnae of Chi Omega, pro-bono work through the Financial Planning Association ## Investment Philosophy Kristi Sullivan's investment philosophy emphasizes simplicity, low cost, and long-term discipline: - Diversified asset classes: US large, mid, and small cap stocks, international investments, and bonds - Low-cost mutual funds and ETFs - Buy-and-hold strategy with annual rebalancing - Target Date Funds and Asset Allocation Funds for easy diversification - No day trading, market timing, cryptocurrency, or individual stock picking ## Blog - [Sullivan Financial Planning Blog](https://sullivanfinancialplanning.com/sfp-blog/): Entertaining and educational posts on personal finance, retirement planning, investment education, and financial decision-making. Published regularly by Kristi Sullivan. ## Free Resources - [Free Financial eBooks](https://sullivanfinancialplanning.com/free-financial-ebooks/): Downloadable guides on various personal finance topics. - [Financial Planning Calculators](https://sullivanfinancialplanning.com/free-financial-planning-calculators/): Interactive tools for retirement, investment, and financial planning calculations. ## Media & Press - [In the Media](https://sullivanfinancialplanning.com/media/): Kristi Sullivan has been quoted and featured in CNBC, The New York Times, MarketWatch, Investment News, and Colorado Parent magazine. ## Contact - [Contact Sullivan Financial Planning](https://sullivanfinancialplanning.com/contact-me/): Get in touch to discuss your financial goals. - [Schedule a Free 20-Minute Consultation](https://sullivanfinancialplanning.com/15-minute-initial-phone-consultation/): Book a no-obligation introductory call with Kristi. - **Phone**: (303) 324-0014 - **Email**: kristi@sullivanfinancialplanning.com - **Website**: https://sullivanfinancialplanning.com - **LinkedIn**: https://www.linkedin.com/in/kristi-sullivan-certified-financial-planner-tm-6362bb8/ - **Location**: Denver, Colorado (serving the Denver metro area) ## Frequently Asked Questions **What is a fee-only financial planner?** A fee-only financial planner is compensated directly by the client — never through commissions or product sales. This ensures advice is always in the client's best interest. Fee-only advisors represent less than 0.1% of all financial advisors. **What is the difference between fee-only and fee-based?** Fee-only planners are paid exclusively by clients. Fee-based planners may also earn commissions on financial products they recommend. Sullivan Financial Planning is strictly fee-only. **How much does a financial planner cost in Denver?** At Sullivan Financial Planning, a General Financial Plan starts at $1,850 and a Retirement Readiness Evaluation starts at $2,000, based on a sliding scale tied to net worth and income. There are no ongoing AUM fees. **Is Kristi Sullivan a fiduciary?** Yes. As a CFP® professional and registered investment adviser, Kristi is legally held to the fiduciary standard. **Do I need a long-term commitment?** No. There is no long-term commitment required. Clients choose the service package that fits their needs and may return for reviews or consultations as needed. **What areas does Sullivan Financial Planning serve?** Sullivan Financial Planning serves clients throughout the Denver metro area, including Cherry Creek, Highlands, Park Hill, Wash Park, Lakewood, Littleton, Arvada, and surrounding Colorado communities. Virtual appointments are also available.