VanderHeiden Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm serves individuals as well as pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities, managing a modest asset base for a small client roster. Its offerings focus on written financial planning (fixed or hourly) and the recommendation and monitoring of third‑party investment advisers, and it also offers insurance products and annuities sold through its insurance activity.
The firm operates primarily on a non‑discretionary basis and typically places clients into a co‑adviser arrangement where the recommended third‑party handles portfolio management, trading, custody, and reporting. Recommended portfolios are structured as fund‑of‑funds and use Modern Portfolio Theory together with the Fama‑French three‑factor model, and the firm provides ongoing monitoring, annual reviews, and client education.
Compared with many solo independent advisers, the firm’s business mixes advisory services with an insurance brokerage role and receipt of insurance commissions, a conflict the brochure discloses and attempts to mitigate. It also stands out for relying on third‑party, non‑discretionary portfolio management (including a third party that limits frequent objective changes) and for serving pension/profit‑sharing plans—features that are less common among peers.
Client services
Expertise
Fee options
Fixed financial planning fee minimum $500 (negotiable)
$50,000 - $500,000: 1.00% $500,001+: 0.75%
Insurance commissions from sale of insurance products
$250 per hour (negotiable)
Account minimum: $50,000 Minimum fee: Financial planning fixed fee minimum of $500 (negotiable)
Main office
Centennial CO
Advisors at this office
1
Most active in
Colorado
Also doing business as
Vanderheiden Financial · Vanderheiden, Thomas L.
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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