Liberated Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Liberated Financial provides comprehensive financial planning and discretionary investment management for individual clients and business owners, including goal and values-based planning, money-mindset coaching, cash flow and debt planning, retirement scenario analysis, insurance reviews, and business-owner succession advice. The firm also offers educational seminars and workshops and supplies clients with a private portal and proprietary tools (for example, an expense tracker) to track progress and deliver scheduled reporting.
The firm’s investment approach emphasizes diversified portfolios guided by modern portfolio principles, using both fundamental and technical analysis and routine rebalancing, with Monte Carlo simulations included in retirement and scenario planning. Accounts are managed on a discretionary basis through the firm’s chosen custodian platform and are reviewed quarterly (and more often as needed) to monitor risk alignment and tax or rebalancing opportunities.
Distinctive aspects of the firm include its use of endorsements and client testimonials in advertising and its affiliated insurance business, where the advisory representative is a licensed insurance agent who receives commission compensation—both items disclosed in the brochure and identified as potential conflicts of interest with mitigation and client disclosure. The adviser’s public-facing activities (seminars, digital content creation, and workshops) are integrated into the firm’s client outreach and education model, and the brochure discloses options for clients to decline insurance recommendations or use other providers.
Client services
Expertise
Occupation focus
Fee options
Flat fees charged for ongoing financial planning and consulting services as described above.
$0 - $500,000: 1.25% $500,000.01 - $1,000,000: 1.25% $1,000,000.01 - $2,000,000: 1.25% $2,000,000.01 - $3,000,000: 1.00% $3,000,000.01 - $4,000,000: 0.75% $4,000,000.01 - $5,000,000: 0.65% Over $5,000,000.01+: 0.55%
Investment advisor representatives receive commissions for insurance product sales as licensed insurance agents.
$300 per hour based on complexity and client needs.
Altruist One monthly subscription fee of 0.01% or $1 per month (whichever is greater) for enrolled client accounts.
Fee-only: Fixed fee between $8,000 and $10,000 per year for non-business owners; up to $12,000 per year with additional services; business owners pay between $10,000 and $12,000 per year, up to $14,000 with additional services.
Main office
Denver CO
Advisors at this office
1
Most active in
Colorado
Also doing business as
Beckmann & Company, LLC · Beckmann Financial · Liberated Financial
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.
Is not active or affiliated with:
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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.
Forms ADV
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