Business Details
Your Trusted Financial Planning Partner in Boulder, CO
Welch Financial Planning is a Boulder, CO-based independent financial services firm dedicated to empowering clients to achieve their goals through comprehensive financial strategies. With over 20 years of experience, our founder Tron D. Welch, a Certified Financial Planner and Accredited Investment Fiduciary, leads a client-centered approach that prioritizes fiduciary responsibility and personalized solutions. We specialize in retirement planning, tax strategies, insurance, and wealth management for high-net-worth families seeking financial security and life flexibility. Our proprietary Bucket System segments investments by time horizon to protect short-term assets while growing long-term wealth, adapting to evolving IRS regulations and life changes.We offer proactive insurance reviews across property, life, disability, and long-term care policies, partnering with multiple agencies to secure optimal coverage. Our team combines technical expertise with community engagement, delivering educational workshops, economic updates, and customized checklists to simplify complex financial landscapes. We maintain transparency in referrals and conflicts of interest while collaborating with Charles Schwab for asset consolidation. Our commitment extends beyond finance through volunteer work with organizations like Team Rubicon and Longmont Veterans Community Project, reflecting our holistic approach to client well-being.
Services
Retirement Planning
Tax Strategies
Wealth Management
Insurance Analysis
Investment Portfolio Management
Estate Planning
Risk Assessment
Financial Checklists
Educational Workshops
Asset Consolidation
Highlights and features
- We offer 20+ years of fiduciary financial planning expertise
- Our proprietary Bucket System protects short-term assets while growing long-term wealth
- We provide personalized insurance analysis across multiple carriers
- We combine investment management with comprehensive tax strategy development
- Our team maintains active community engagement and educational outreach
Associations and certifications
- Certified Financial Planner (CFP)
- Accredited Investment Fiduciary (AIF)
Services
Retirement Planning
We develop customized retirement plans considering tax implications, investment growth, and lifestyle goals. Our Bucket System separates funds by time horizon to protect short-term needs while growing long-term assets. We adjust strategies based on evolving IRS regulations and personal circumstances.
Tax Strategies
Our tax planning analyzes current liabilities and future obligations across retirement, education, and wealth transfer scenarios. We implement strategies to reduce taxable income while maintaining compliance with changing IRS requirements for both individuals and small businesses.
Wealth Management
We create comprehensive wealth management plans integrating investment portfolios, insurance coverage, and estate planning. Our fiduciary approach prioritizes client goals through regular portfolio reviews and market adaptation while maintaining transparent fee structures.
Insurance Analysis
We evaluate property, life, disability, and long-term care insurance needs by analyzing client assets and lifestyle. Our independent broker partners provide multiple carrier options for competitive pricing and customized coverage solutions.
Investment Portfolio Management
Our investment management uses the Bucket System to allocate assets across short, medium, and long-term goals. We construct diversified portfolios through Charles Schwab while maintaining regular rebalancing and performance tracking for optimal growth.
People
Tron D. Welch
Principal
Certified Financial Planner with 20+ years experience developing customized financial strategies. Teaches retirement planning workshops and volunteers with veterans' organizations. Holds CFP, MBA, and AIF credentials.
Lisa Cowan
Financial Advisor
14-year financial services veteran with Series 7, 63, and 66 licenses. Specializes in individualized financial plans and client-focused solutions. Former Scottrade broker now serving Boulder clients.
Ryley Cowan
Office Manager
University of Arizona graduate managing client onboarding, seminar coordination, and vendor relations. Focuses on creating positive client experiences through organized operations and marketing initiatives.
Oscar Perez Luna
Tax Analyst Intern
CU Boulder graduate with finance and accounting expertise. Passionate about simplifying tax processes through analytical skills developed during EY and venture capital internships.
Ron Swatfigure
Independent Insurance Agent
10-year insurance professional offering multi-carrier coverage solutions. Founded Sun Mountain Insurance in 2016 after Farmers Insurance experience. Specializes in Colorado-specific risk protection.
Questions
What financial planning services do you offer?
We provide retirement planning, tax strategies, wealth management, insurance analysis, and investment portfolio management tailored to high-net-worth families.
How does your Bucket System work?
Our proprietary Bucket System segments investments by time horizon to protect short-term funds while growing long-term assets through diversified portfolios.
Do you work with out-of-state clients?
While based in Boulder, we serve clients nationwide through virtual consultations and digital document management systems.
What insurance types do you handle?
We analyze property & casualty, life, disability, and long-term care insurance needs across multiple carriers for comprehensive coverage options.
How often do you review financial plans?
We typically review plans quarterly with additional meetings during major life changes to ensure strategies remain aligned with evolving goals.
What credentials do your advisors hold?
Our team includes Certified Financial Planners, Accredited Investment Fiduciaries, and licensed professionals with Series 7, 63, and 66 certifications.
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