Bonsai Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Bonsai Advisors LLC provides discretionary portfolio management, comprehensive financial planning, and model-portfolio services to a limited client base that includes individuals, trusts and estates, charitable organizations, and business entities. The firm manages a modest amount of client assets across discretionary and non‑discretionary accounts and offers access to third‑party money managers and TAMPs as part of its service mix.
Bonsai typically documents each engagement with an Investment Policy Statement created using the firm’s proprietary software and generally exercises broad discretionary authority to implement strategies across equities, fixed income, funds, REITs, and insurance products. The firm conducts periodic account reviews (at least quarterly), employs block trading and pro‑rata allocations when aggregating trades, and may use third‑party platforms for model implementation and trade execution.
Notable distinctions disclosed in the brochure include a common‑control affiliation with an insurance agency that shares employees and facilities, and a formal program to compensate unaffiliated referrers, both of which the firm identifies as potential conflicts of interest. Bonsai also states that it does not vote client proxies (clients retain or may appoint a third party to vote) and that some representatives engage in broker‑dealer activities, arrangements the firm discloses and seeks to manage.
Client services
Expertise
Fee options
Under $1,000,000 - $999,999: 1.25% annually $1,000,000 - $1,999,999: 1.00% annually $2,000,000 - $2,999,999: 0.75% annually $3,000,000+: 0.50% annually
Minimum fee: Minimum monthly Platform Fee of $12.50 per account Fee-only: Financial planning services are provided at no additional cost, included in advisory fee
Main office
1406 Pearl Street
Boulder CO 80302
Advisors at this office
3
Most active in
Colorado · Tennessee
Also doing business as
Bonsai Advisors LLC · Family Office Financial Planning Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Roberto D
Series 63, Series 65
Boulder, CO
Bonsai Advisors LLC
Roberto Dechellis is a financial advisor with Bonsai Advisors LLC in Boulder, CO, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior work includes 12 years at Allianz Life Financial Services and Allianz Life Insurance Company of North America. He has been with Bonsai Advisors LLC since 2021 and involved with Bonsai, LLC since 2019. Bonsai Advisors LLC offers discretionary portfolio management, comprehensive financial planning, and model-portfolio services to a select client base including individuals, trusts, estates, charitable organizations, and business entities. The firm uses proprietary software to document investment strategies and employs a broad range of asset classes, conducting periodic account reviews and utilizing third-party platforms for trade execution.
Michele O
Series 63, Series 65
Boulder, CO
Bonsai Advisors LLC
Michele Osterberg is a financial advisor at Bonsai Advisors LLC with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Bonsai Advisors LLC since 2022. In addition to her advisory role, she is an independent consultant selling skincare products with Rodan + Fields. Bonsai Advisors LLC provides discretionary portfolio management, comprehensive financial planning, and model-portfolio services to a limited client base including individuals, trusts, charitable organizations, and businesses. The firm uses proprietary software to create Investment Policy Statements and offers access to third-party money managers as part of its investment approach.
Amy S
Series 66
Boulder, CO
Bonsai Advisors LLC
Amy Smith is a financial advisor at Bonsai Advisors LLC in Boulder, CO, holding a Series 66 designation with 13 years of industry experience. She previously worked at TIAA-CREF for 26 years before joining Bonsai Advisors and Purshe Kaplan Sterling Investments. Bonsai Advisors LLC provides discretionary portfolio management, comprehensive financial planning, and model-portfolio services to individuals, trusts and estates, charitable organizations, and business entities. The firm manages client assets using proprietary software for Investment Policy Statements and offers access to third-party money managers and TAMPs as part of its services.
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