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Financial Planning Services

Centered around you.


Schedule a Free Consultation

We’re Flatiron Financial Planning

A fee-only Registered Investment Advisory (RIA) firm serving clients in Boulder, CO and beyond.


When it comes to money management, everyone has different needs.
That’s why we offer:

Comprehensive financial plans

From retirement planning to college funding, we’ll take a look at every aspect of your financial picture to create a strategy that accommodates both your current needs and your future goals so you have a clear vision of the journey ahead.

One-off project assistance

Maybe you just want a second opinion, or maybe you need guidance on a specific financial decision. Whatever the case may be, we’re available for any amount of time so you get exactly what you need, right when you need it.

Annual financial checkups

For those looking for some peace of mind as the year comes to a close, we offer one-time yearly meetings where we’ll review your current financial state, provide recommendations and offer objective advice so you start the new year off strong.

Portfolio management

We’ll review your accounts — retirement, savings, college and even Health Savings Accounts (HSAs) — and provide objective recommendations on how to create a diversified, low-cost portfolio that supports each goal while optimizing your portfolio's overall tax efficiency.  


About Our Firm

Andrea Berry, CFP®, CRPC® Photo

Andrea Berry, CFP®, CRPC®

Owner


Prior to becoming a financial advisor, I spent over 19 years in the high-tech industry as an engineer, program manager and engineering director. While I loved working in intense, fast-paced environments with incredibly talented individuals, I also realized that the corporate world was not for me. Since then, I've dedicated my career to working with people one-on-one, helping them realize their financial potential.

Before founding Flatiron Financial Planning, I was a senior vice president and portfolio manager at First Western Trust, a boutique bank and wealth management firm. For over 10 years, I implemented customized investment portfolios and financial plans for my clients, as well as conducted ongoing portfolio analysis and management.

I obtained my engineering degree from the University of California (Berkeley) and earned my CERTIFIED FINANCIAL PLANNERTM (CFP®) and Chartered Retirement Planning Counselor℠ (CRPC®) certifications through the College for Financial Planning in Denver, Colorado.

Our Process

We follow The Garrett Planning Network’s Seven Steps to Financial Success:

Learn about our services, philosophies and fee structure. Once you decide to move forward with the relationship, we’ll schedule a free consultation either in-person or over the phone. 


Next, we’ll discuss your needs and objectives to match you up with the services that complement your situation the best. Then, we’ll provide you with a fee estimate based on our hourly rate. 


After we agree on the requested services and accompanying fees, we’ll ask you to provide us with any relevant financial documents so we can begin creating your custom financial plan. 


Throughout the plan creation process, we may schedule additional phone calls and meetings to clarify and refine your short- and long-term objectives, as well as answer any outstanding questions. 


Once we have gathered all of the necessary information, we’ll then begin conducting research and compiling our recommendations to develop your comprehensive financial plan. 


Next, we’ll schedule a meeting for you to come in and discuss your financial plan. Throughout this meeting, we’ll explain our reasoning behind every decision so you have a good understanding of our strategy. 


As time goes on, we’ll schedule meetings throughout the year to review your progress and make any necessary adjustments to your plan as your personal and professional life evolves.


What Sets Us Apart

As a fee-only financial planning firm, we:

Always act in your best interests 

It’s part of our responsibility as a fiduciary. Trust, integrity and accountability are extremely important to us, and we uphold these principles daily. 

Never receive any commissions

This means fewer conflicts of interests for you, and less outside motivation for us. Our goal with everything we do it to benefit you — and you only.

Offer flexible services 

Not everyone needs around-the-clock financial support, and that’s okay. We offer a variety of options so you get exactly what you need at the right price for you.


People We Like to Help

We’d make a good fit if you’re:


Independent

You’re not looking for someone to directly manage your portfolio — just advice on how to invest

Tech-Savvy

We’ll develop and document your financial plan — you’ll put it into action.

DIYer

You know what you want to do, now you just need a second opinion.


What We Offer

Our fee-only comprehensive financial planning services include:

RETIREMENT PLANNING

Whether you’ve been saving for five, 10 or 30 years, we’ll help make sure you have the tools and strategies you need to get long-term value out of every dollar and investment so you have the resources you need to live out your dream retirement.

ESTATE PLANNING

We’ll review any estate planning documents you have in place, as well as provide objective advice regarding language, terms and more so you can rest easy knowing your wishes align with your broader financial picture. 

PORTFOLIO RECOMMENDATIONS & CONSTRUCTION

While we do not directly manage or trade portfolios, we’ll recommend low-cost ETFs and mutual funds, help you set up and manage your accounts at your chosen custodian and design a portfolio that suits your unique risk tolerance, objectives and timeline.

COLLEGE FUNDING

From payment plans to budgeting strategy, we’ll walk you through, step by step, the most effective methods for saving up for college so you or your child can achieve your higher level education goals and avoid post-graduation loan debt.

TAX PLANNING 

Whether you need year-round help or just a quick checkup before filing season, we’ll be here to equip you with the insight and strategies you need to cross every “t” and dot every “i” so there are no unwanted surprises along the way.

CASH FLOW ANALYSIS & DEBT MANAGEMENT

It can be intimidating to recover from debt — but no matter how bad it gets, we’ll make sure you know exactly how much you need to save, spend and invest every month so you can resolve any outstanding payments and build a strong financial future.


Our Fees


While our fees vary according to the scope and complexity of your project, we generally charge:

  • $250/hour for one-on-one annual financial check-ups
  • $1000-$2500 for initial planning projects such as portfolio reviews and retirement cash flow modeling
  • $2500-$4500 for comprehensive financial plans

FAQ

What is financial planning?

Financial planning is a multi-step process that provides you with two important deliverables. First, an in-depth review of your current situation (either comprehensive or specific, depending on your planning objective) and secondly, a roadmap that provides clear direction on how to achieve your planning goals.

What is "fee-only" financial planning and why should it be important to me?

Fee-only financial planners are paid only by their clients. They never receive any commissions, sales incentives, bonuses or special perks paid by insurance companies or other financial service entities for selling their products.

How do you price your financial planning services?

Our fees are based on the time we spend meeting with you — either in-person or over the phone — researching and analyzing your situation and formulating our recommendations that are specific to your situation. Before you hire us, we will always provide you with a written quote of the full cost of the engagement. 

Today, Tomorrow, Together.

Between work, school and kids, it can be difficult to find time to manage your finances. That's why we offer flexible services and scheduling — because we believe that with enough balance, anything is possible.

Interested in setting up a free consultation? Just fill out the form below to get more information about our services, strategy and scheduling availability.

We look forward to working with you.