Jim Saulnier & Associates, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm serves individual and high‑net‑worth clients, with a particular focus on those approaching or in retirement, providing retirement and financial planning, portfolio management, investment analysis, and tax‑focused planning and preparation. Services range from stand‑alone retirement/financial plans to ongoing portfolio management tailored for both accumulation and distribution phases.
Its investment approach emphasizes passive model portfolios designed to emulate third‑party target‑risk benchmarks and a distinct Investment Positioning program for clients in the distribution phase; most accounts are managed on a discretionary basis and subject to periodic review. Rather than a traditional percentage‑of‑assets fee model common among peers, the firm has moved to a fixed‑fee structure and requires client accounts to be maintained on a third‑party performance and invoicing platform.
Noteworthy features include an affiliation with a tax planning business staffed by enrolled agents and CPAs that provides tax preparation and planning to clients, and the firm’s delivery of retirement plans via a recorded video, written summary, and transcript. The firm discloses potential conflicts arising from its affiliated tax and insurance activities and describes mitigation practices such as offering fee‑based alternatives and allowing clients to implement recommendations through providers of their choice.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Retirement Portfolio Positioning one-time fee: $1,600 per household; Financial Planning Fees for retirement plans: Single-member household: $5,600; Two-member household: $6,200
Senior Planners: $260 per hour; Junior Planners: $190 per hour
Account minimum: $500,000
Main office
See office506 East Mulberry St
Fort Collins CO 80524
Advisors at this office
2
Offices (4)
Most active in
Arizona · California · Colorado · Florida · Georgia · Illinois · Iowa · Louisiana · Maryland · Michigan · Minnesota · Nebraska · New Hampshire · New Jersey · New York · North Carolina · Ohio · Pennsylvania · Texas · Washington
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.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
James S
CFP®, Series 63, Series 65
Fort Collins, CO
Jim Saulnier & Associates, LLC
James Saulnier is a CFP® professional with 26 years of experience in financial advising. He has worked at Jim Saulnier & Associates, LLC since 2013 and previously spent nine years at Cambridge Investment Research Advisors and Cambridge Investment Research. Saulnier serves as a board member of the Larimer County Retirement Board and owns a tax planning business that offers tax preparation and planning services. Jim Saulnier & Associates, LLC serves individual and high-net-worth clients, focusing on those approaching or in retirement. The firm provides retirement and financial planning, portfolio management, investment analysis, and tax-focused planning, using passive model portfolios and a fixed-fee structure. Its services include an affiliated tax planning business staffed by enrolled agents and CPAs.
Thomas S
Series 65
Athens, GA
Jim Saulnier & Associates, LLC
Thomas Stivers is a Series 65-licensed advisor at Jim Saulnier & Associates, LLC with one year of experience in financial advising. Prior to joining the firm, he served in the United States Army for five years. Jim Saulnier & Associates serves individual and high-net-worth clients, focusing on retirement and financial planning, portfolio management, investment analysis, and tax-focused planning. The firm emphasizes passive model portfolios aligned with third-party target-risk benchmarks and offers a fixed-fee structure supported by an affiliated tax planning business staffed by enrolled agents and CPAs.
Jacob V
CFP®, Series 65
Coralville, IA
Jim Saulnier & Associates, LLC
Jacob Von Loh is a CFP® and holds a Series 65 license with four years of industry experience. He has been with Jim Saulnier & Associates, LLC since 2019, working in roles that involve retirement-focused financial planning. Prior to his advisory career, he worked at Niwot Lawn Care for six years. Jim Saulnier & Associates provides retirement-focused financial planning, tax-aware planning, and discretionary portfolio management primarily for individual and high-net-worth clients near or in retirement. The firm emphasizes comprehensive retirement analyses and manages portfolios using a combination of passive investment models and targeted positioning for clients in distribution.
Christopher S
CFP®
Fort Collins, CO
Jim Saulnier & Associates, LLC
Christopher Stein is a CFP® professional with seven years of industry experience, currently serving at Jim Saulnier & Associates, LLC since 2018. He has also been affiliated with Jim Saulnier since 2008. In addition to his advisory role, Stein is a finance lecturer at Colorado State University, where he has taught since 2008. Jim Saulnier & Associates provides retirement-focused financial planning, tax-aware planning, and discretionary portfolio management primarily for individual and high-net-worth clients nearing or in retirement. The firm emphasizes comprehensive retirement analyses, passive investment models, and tax-focused planning with ongoing client engagement.
Thomas D
CFP®, Series 66
Port Saint Lucie, FL
Jim Saulnier & Associates, LLC
Thomas Darden is a CFP® professional at Jim Saulnier & Associates, LLC with eight years of industry experience. He has been with the firm since 2019 and previously held roles at Bank of America and Merrill Lynch. He is also a licensed insurance agent. Jim Saulnier & Associates serves individual and high-net-worth clients, focusing on those approaching or in retirement. The firm offers retirement and financial planning, portfolio management, and tax-focused planning, using a passive investment approach with discretionary management and a fixed-fee structure.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)