Star Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Star Financial Services is an independent, fee-only financial planning and investment management firm that serves individuals, families, pension and profit-sharing plans, trusts, estates, charitable organizations and small business owners. It provides comprehensive financial planning covering insurance, tax, college and retirement issues, and offers portfolio management implemented primarily with no-load mutual funds, ETFs and individual securities.
The firm uses a modern portfolio theory framework with globally diversified asset allocations, periodic rebalancing and regular performance reviews, and provides semi-annual written reports and quarterly account reviews. Uncommonly for a solo independent advisor, it manages roughly $53 million of client assets predominantly on a non-discretionary basis, requiring client approval for trades while typically holding a limited power of attorney to execute orders.
Operating as a single-advisor practice since 2003 and led by a CFP‑certified principal with an MBA, the firm combines ongoing investment oversight with customizable planning engagements and negotiable fee arrangements (hourly, flat or AUM-based). Distinctive operational features include no custody of client assets, a policy of not accepting discretionary trading authority, and directing clients to receive proxy materials and custodian statements directly.
Client services
Expertise
Fee options
Flat fees for financial planning services priced based on complexity
$0 - $1,000,000: 1.00% $1,000,000+: 0.50%
$200 per hour
Account minimum: $100,000 Minimum fee: $1,500 minimum annual investment portfolio management fee Fee-only: Annual investment portfolio management fee; hourly fee; flat fees for financial planning services; all client fees are negotiable
Main office
Denver CO
Advisors at this office
1
Most active in
Colorado
Also doing business as
Charles Edmond Tobler · Star Financial Services
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
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.
Forms ADV
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”)