Young Wealth Partners

Yes, Young Wealth Partners is a fiduciary and takes this obligation seriously. The firm is a Fee-Only firm that does not sell products that generate commissions, does not accept referral fees, and only compensation comes directly from clients.

Yes, this is the firm's specialty. They help Gen X and Gen Y professionals in Boulder County and all of Colorado navigate the financial pressure of caring for aging parents while simultaneously planning for children's education and their own retirement.

The firm recommends using the 'GWC' Test: (1) Do I GET it? - Do I understand tax efficiency, asset location, and market impacts? (2) Do I WANT it? - Do I enjoy researching funds and rebalancing? (3) Do I have the CAPACITY? - Do I have the time to manage it consistently? If you answered 'NO' to any question, it may be time to outsource.

The firm is fee-only, paid only by clients through a hybrid model of flat fee supplemented by a small AUM fee if clients choose to have investments managed. No products or commissions.

The firm does not take custody of client money. They use Charles Schwab and Altruist as custodians, and clients can also use any custodian they prefer.

The approach focuses on controlling what matters most: minimizing costs, staying disciplined, and reducing tax drag. They use cost-effective and tax-efficient ETFs and Mutual Funds, and treat tax efficiency as a core part of investing, not an afterthought.

Comprehensive Financial Plan is a one-time engagement of $2,500 for 6-8 weeks ($1,000 to start, remaining due at delivery). Ongoing Financial Planning is $3,000/year billed $750/quarter. AUM pricing is 0.8% up to $1M, 0.6% from $1M-$5M, 0.4% above $5M.

Yes, the firm helps clients manage these complex areas with success measured by 'tax-efficient sequencing' — knowing which account to pull from first to keep clients just below the next IRMAA cliff while maximizing Social Security's delayed credits.