A complete list of active advisors currently associated with Reflective Financial

Warmer can help you find a great advisor at Reflective Financial or one who fits your needs even better.

Reflective Financial is a fee-only independent adviser that works with individuals and high-net-worth clients to provide wealth management and financial planning, offered both on an ongoing and project basis. The firm provides discretionary portfolio management when engaged and coordinates with third‑party custodians to implement client strategies. Investment approach is grounded in Modern Portfolio Theory, favoring diversified, primarily passive index funds and ETFs while also permitting active managers or ESG-screened options where appropriate. The firm tailors asset-allocation targets to client goals and risk tolerance, accommodates reasonable client-imposed restrictions, and monitors portfolios for rebalancing and changes in circumstances. Noteworthy features include a billing model that relies on fixed, project, or hourly planning fees rather than the more common percentage‑of‑AUM fee, and the firm reported no assets under management as of the most recent annual filing despite serving clients — a setup that may reflect a planning-focused practice or a recently established adviser. The firm’s principal holds CFP certification and the advisory services explicitly include business planning and employee-benefits optimization, which may appeal to business‑owner clients.

To learn more about the advisors currently working at Reflective Financial, 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
Dustin Bell	Littleton, CO	2

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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.

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