Theory Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Theory Financial is a registered investment adviser serving individuals (including high-net-worth clients), trusts, estates, corporations, pension and charitable clients, managing roughly $319.2 million across about 252 client relationships with a three-advisor team. The firm provides discretionary and non-discretionary investment management, comprehensive financial planning, retirement advisory services and consulting.
Theory constructs customized portfolios using a strategic, globally balanced asset-allocation framework primarily implemented with diversified mutual funds and ETFs, while incorporating individual stocks and bonds when appropriate. The firm combines Modern Portfolio Theory and fundamental analysis with cyclical analysis, monitors accounts regularly, and rebalances to policy targets, typically exercising discretionary trading authority when engaged.
Noteworthy features include a relatively large AUM relative to its small advisory team and an operational model that generally provides financial planning at no additional charge to investment-management clients, aligning planning with portfolio oversight. Theory recommends institutional custody (Charles Schwab) and uses third-party reporting platforms (Tamarac/Orion), does not accept commission-based compensation, and leaves proxy voting authority with clients.
Client services
Expertise
Fee options
$0 - $250,000: 0.99% $250,001 - $750,000: 0.85% $750,001 - $1,500,000: 0.75% $1,500,001 - $3,000,000: 0.65% $3,000,001 - $5,000,000: 0.55% $5,000,001+: 0.50%
$200/hour for stand-alone financial planning services
Fee-only: Financial planning fees are generally complimentary for clients using investment management services; stand-alone financial planning charged at $200/hour
Main office
2580 Harmony Road, Suite 201
Fort Collins CO 80528
Advisors at this office
3
Most active in
Colorado · Texas · Wyoming
Also doing business as
Theory Financial · Theory Financial LLC
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
Ryan S
CFP®, Series 63, Series 65
Fort Collins, CO
Theory Financial
Ryan Stout is a CFP® professional with 18 years of industry experience, currently serving at Theory Financial in Fort Collins, CO since 2019. His prior experience includes roles at Tiaa and TIAA-CREF from 2012 to 2019. He also serves as a trustee for Mill City Church, where he helps oversee financial decisions. Theory Financial is a registered investment adviser managing approximately $319.2 million across 252 client relationships, offering discretionary and non-discretionary investment management, financial planning, and retirement advisory services. The firm employs a strategic, globally balanced asset-allocation approach using diversified mutual funds, ETFs, individual stocks, and bonds, combining Modern Portfolio Theory with fundamental and cyclical analysis.
Thomas B
CFP®, ChFC®, Series 63, Series 65
Fort Collins, CO
Theory Financial
Thomas Braun is a CFP® and ChFC® with 21 years of industry experience. He has worked at Theory Financial since 2020 and previously spent nine years at TIAA-CREF. Braun is based in Fort Collins, CO. Theory Financial is a registered investment adviser serving individuals, trusts, estates, corporations, pension, and charitable clients. The firm manages about $319.2 million across its client base, offering discretionary and non-discretionary investment management alongside financial planning and retirement advisory services.
Charles N
Series 63, Series 65
Fort Collins, CO
Theory Financial
Charles Nedele is a financial advisor at Theory Financial with 19 years of industry experience. He holds Series 63 and Series 65 licenses and worked previously at TIAA and Tiaa for 13 years. Outside of advisory services, he manages a short-term rental property in Angola, Indiana. Theory Financial is a registered investment adviser serving individuals, trusts, estates, corporations, pension, and charitable clients. The firm manages approximately $319 million across about 252 client relationships using a globally balanced asset-allocation framework with diversified mutual funds, ETFs, and selected individual securities.
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