Downshift Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Downshift Financial is an SEC-registered advisory firm that serves individual clients — including high-net-worth individuals — and employer plan sponsors, offering ongoing investment management, comprehensive financial planning, and retirement-plan consulting. The firm operates with a small advisor team and manages several hundred million dollars in discretionary assets for roughly eighty clients across multiple offices.
The firm emphasizes passive portfolio construction using mutual funds and ETFs, implementing client-specific asset allocation plans on a discretionary basis and conducting quarterly account reviews with an annual financial plan update. It supplements passive strategies with selected conservative options techniques when appropriate and combines one-on-one, ongoing financial planning with its portfolio management service rather than treating planning as a separate, transactional engagement.
Notably, Downshift departs from the common percentage-of-assets fee model used by many peers by employing a fixed-fee billing approach and bundling planning into management services. Other distinctive operational features include fee discounts tied to clients updating estate planning documents and a directed-custodian requirement with individual trade implementation (no order aggregation), practices prospective clients should consider when evaluating fit.
Client services
Expertise
Fee options
Minimum fee: $12,000 per year, paid quarterly ($3,000) in advance for Investment Management, Financial Planning, and Employee Benefit Plan Services Fee-only: Annual flat fees of $12,000 for Investment Management, Financial Planning, and Employee Benefit Plan Services
Main office
Boulder CO
Advisors at this office
3
Most active in
California · Colorado · Florida · Texas · Virginia
Also doing business as
Downshift Financial · Downshift Financial, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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.
Quick links
Advisors at this firm
Travis H
CFP®, EA
Boulder, CO
Downshift Financial
I graduated from Texas A&M’s Mays Business School in 2008 (perfect timing for a job hunt!) and quickly discovered a passion for investing. During my eight years working in real estate, I devoured everything I could find on investing and personal finance. This led to the realization – far too slowly, my wife points out – that my true passion is helping others craft their best lives through real financial planning. Appalled by the status quo within the industry, and determined to serve families the way they truly deserve, I set out to found Downshift Financial with Eddie. We founded Downshift Financial to deliver real financial planning to regular people through a service model that actually makes sense: Flat quarterly fees. No commissions. No sales pressure. No BS. Our goal is to help clients maximize their lifetime fulfillment through financial independence. Often, that means working less to free up time for family and hobbies.
John R
Series 65
Boulder, CO
Downshift Financial
John Reynolds is a financial advisor at Downshift Financial in Boulder, CO, holding a Series 65 license with one year of industry experience. Prior to joining Downshift Financial, he spent 12 years at Apple Inc. Downshift Financial is an SEC-registered advisory firm serving individual clients, including high-net-worth individuals, and employer plan sponsors. The firm focuses on passive portfolio construction with mutual funds and ETFs, combining ongoing financial planning with portfolio management using a fixed-fee billing approach.
Edwin L
CFP®, Series 66
Boulder, CO
Downshift Financial
Edwin Liang is a CFP® and holds a Series 66 license with 21 years of industry experience. He has worked at Merrill and First Republic Bank before joining Downshift Financial in 2021. Downshift Financial is an SEC-registered advisory firm serving individual clients, including high-net-worth individuals, and employer plan sponsors. The firm focuses on passive portfolio construction using mutual funds and ETFs, combines ongoing financial planning with portfolio management, and employs a fixed-fee billing model.
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