Welch Financial Planning, LLC

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Client assets under management

$198,095,637

Clients

157

34% high-net-worth

Advisors

of 6 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$1,261,756

About

Welch Financial Planning & Insurance, LLC is an SEC‑registered advisory firm that works primarily with individual and high‑net‑worth clients, delivering discretionary portfolio management with an emphasis on retirement investing and income generation. The firm also integrates financial planning into its investment management for clients meeting its $1,000,000 investable‑asset threshold, and offers stand‑alone planning and coaching for other individuals.

Investment decisions are driven by a customized financial plan and often employ a “Bucket System” that segregates assets by short‑, medium‑, and long‑term goals; the firm uses a mix of fundamental, technical, quantitative, and asset‑allocation analysis when constructing portfolios. Accounts are typically managed on a discretionary basis and the firm uses third‑party technology such as the Pontera platform to review and rebalance held‑away participant accounts (401(k), 403(b), etc.).

The firm’s ADV discloses several features that are less common among similar supported firms: an affiliated tax‑preparation business (Welch Tax Services, LLC), an estate‑planning capability delivered through the Wealth.com platform, and a program of periodic educational seminars (the brochure notes a third‑party marketing firm charges $49 per class). The brochure also indicates the use of endorsements and testimonials in advertising and describes various marketing and referral arrangements, practices that are relatively uncommon among peers.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

Retirement income strategy Income planning Cash flow / budgeting

Fee options

Fixed

Financial planning fixed fees range from $2,500 to $20,000; Estate planning document creation fees are negotiated flat fees

Percentage

$0 - $250,000: 1.50% $250,001 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.75% Over $3,000,000+: 0.75% (flat)

Project-based

$350 to $500 per hour

Other

Account minimum: $1,000,000 Fee-only: Fixed fees range from $2,500 to $20,000; Hourly fees range from $350 to $500/hour; financial planning fees may be fixed, hourly, quarterly or annually and negotiated

Main office location

Welch Financial Planning, LLC

1790 38 Th St, Ste. 205

Boulder CO 80301-2600, United States

Number of offices

Most active in

Colorado · Florida · Louisiana

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

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.

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Website 303-939-8766

Advisors at this firm

Lisa C

CFP®, Series 63, Series 66

Boulder, CO

Welch Financial Planning, LLC

Lisa Cowan is a CFP® professional with 10 years of industry experience. She is currently an advisor at Welch Financial Planning, LLC and has held roles at WealthPLAN Partners, Securities America, and Cambridge Investment Research. Outside of her advisory work, she is a co-owner of businesses involved in rental property management. Welch Financial Planning, LLC is an SEC-registered firm serving individual and high-net-worth clients with discretionary portfolio management focused on retirement investing and income generation. The firm integrates comprehensive financial planning and employs a customized investment strategy using a “Bucket System” to align assets with client goals.

Retirement income strategy Income planning Cash flow / budgeting

Tron W

CFP®, Series 66

Boulder, CO

Welch Financial Planning, LLC

Tron Welch is a CFP® and Series 66 credentialed advisor with 24 years of industry experience. He is the managing member of Welch Financial Planning, LLC, where he has worked since 2024. His prior experience includes roles at WealthPLAN Partners, Securities America, and Cambridge Investment Research. Welch is a volunteer membership lead with Team Rubicon, assisting with volunteer onboarding and disaster relief efforts. Welch Financial Planning & Insurance, LLC serves individual and high-net-worth clients with discretionary portfolio management focused on retirement investing and income generation. The firm integrates customized financial planning and employs a “Bucket System” approach to asset segregation, using a combination of fundamental, technical, quantitative, and asset-allocation analysis in portfolio construction.

Retirement income strategy Income planning Cash flow / budgeting

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