A complete list of active advisors currently associated with Headwaters Financial Planning, LLC

Warmer can help you find a great advisor at Headwaters Financial Planning, LLC or one who fits your needs even better.

Headwaters Financial Planning, LLC is a single-advisor registered investment adviser serving a small client base of individuals, high-net-worth individuals and business entities. The firm offers discretionary asset management, hourly financial planning, and retirement-plan advisory services for qualified plans in addition to one-on-one wealth management. The firm’s investment process uses fundamental analysis and modern portfolio theory to construct diversified portfolios of stocks, bonds, ETFs and no‑load mutual funds, with client objectives, time horizons and documented risk tolerances guiding asset allocation. Accounts are managed on a discretionary basis with regular monitoring and quarterly reviews, and clients may impose written restrictions on investments. A distinguishing feature for a solo independent adviser is the provision of ERISA 3(21) services to workplace retirement plans — including assistance with investment policy statements, monitoring plan options, default investment advice and participant education — while expressly excluding certain asset types (for example, employer securities, private real estate and participant loans). The firm also does not vote client proxies (clients receive and vote their own proxies) and emphasizes written client authorization for fee deductions and any account limitations.

To learn more about the advisors currently working at Headwaters Financial Planning, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Meaghan Brugge	Granby, CO	2

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