Innovative Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Innovative Financial serves individual and institutional clients with integrated wealth management that combines ongoing financial planning and discretionary portfolio management. The firm also offers standalone project-based planning, tax planning and tax-preparation services through appropriately licensed staff, and occasional educational seminars.
The firm’s investment process is grounded in Modern Portfolio Theory and incorporates the Fama–French multi-factor framework to inform asset allocation and fund selection. Portfolios are built primarily with no-load mutual funds and exchange-traded funds, are globally diversified, and commonly include a deliberate tilt toward smaller-cap and value-oriented equity exposures alongside fixed income and REITs, with periodic monitoring and rebalancing.
Following a recent merger, the adviser reports a single principal owner while retaining a second adviser on staff, an ownership structure that is less common among peers. The firm operates on a fee-only basis, manages client assets on a discretionary basis (the brochure reports approximately $157.7 million in discretionary AUM), and typically requires a $500,000 account minimum, with tax services provided internally as part of its integrated offering.
Client services
Expertise
Fee options
Project-based financial planning fees range from $500 to $15,000; Educational seminars fees range from free to $10,000 per seminar or free to $200 per participant
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.80% $3,000,001+: 0.60%
Possible hourly charges for tax services and consulting (exact rates not specified)
Account minimum: $500,000 Minimum fee: Minimum annual fee may be imposed in some cases for Wealth Management Services (amount not specifically stated) Fee-only: Fee-only firm; compensation received only from clients for services
Main office
355 S. Teller St., Suite 200
Lakewood CO 80226
Advisors at this office
3
Most active in
Colorado · Louisiana · Texas
Also doing business as
Innovative Financial, LLC · Jones, Raydeena M.
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
John B
Series 65
Lakewood, CO
Innovative Financial, LLC
John Brunkan is a financial advisor with Innovative Financial, LLC, holding a Series 65 designation and over 20 years of industry experience, including a 23-year tenure at Wells Fargo & Co. He joined Innovative Financial in 2026 and has been with the firm since. Innovative Financial serves both individual and institutional clients by providing integrated wealth management that includes ongoing financial planning and discretionary portfolio management. The firm’s investment approach utilizes Modern Portfolio Theory and the Fama–French multi-factor framework, focusing on globally diversified portfolios built primarily with no-load mutual funds and exchange-traded funds.
Dede S
CFP®
Lakewood, CO
Innovative Financial, LLC
Dede Smolen is a CFP® professional with 18 years of industry experience and has been with Innovative Financial, LLC since 2003. She is based in Lakewood, CO, and works at a firm that combines ongoing financial planning with discretionary portfolio management. Innovative Financial serves individual and institutional clients with integrated wealth management that includes financial planning, tax services, and educational seminars. The firm’s investment approach is based on Modern Portfolio Theory and the Fama–French multi-factor framework, with globally diversified portfolios that emphasize smaller-cap and value-oriented equities alongside fixed income and REITs.
Betty W
CFP®, RICP®, TPCP®
Lakewood, CO
Innovative Financial, LLC
Betty Wang, CFP®, RICP®, TPCP®| Founder of BW Financial Planning Betty Wang is the founder of BW Financial Planning, a virtual financial planning firm dedicated to helping women across the U.S. achieve financial confidence. She believes that success isn’t just about numbers—it’s about creating a life of balance, fulfillment, and purpose. ⭐ Empowering Women Through Financial Clarity Betty’s mission is to help women make informed financial decisions so they can feel confident in every aspect of their lives—whether that means excelling in their careers or embracing a fulfilling retirement. 🤝 A Trusted Wealth Partner Clients turn to Betty for her expert financial guidance, deep listening skills, and approachable style, making her a trusted partner in their financial journey. 🙌 Featured Thought Leader Betty’s insights have been featured in The Wall Street Journal, Forbes, MarketWatch, Kiplinger’s, USA Today, and more. 🎙️ Host of Betty’s Smart Friends Podcast Through candid conversations with inspiring experts, Betty explores what true success looks like for women over 45—covering topics like health, relationships, personal growth, and passion projects. If you're looking for a transparent, supportive wealth partner to help you navigate your financial journey with confidence, let's connect!
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