Winding Trail Financial Planning, LLC logo

Winding Trail Financial Planning, LLC

Updated today

Client assets under management

$11,500,000

Clients

9

0% high-net-worth

Advisors

1

of 1 employees

Firm type

Independent

1 advisor with up to 2 employees

Clients per advisor

9

Low

Average account size

$1,277,778

About

Winding Trail Financial Planning, LLC provides investment management and financial planning to a very small roster of clients, managing approximately $13.2 million across nine relationships. The firm works with individual clients and also accepts corporate or business clients, offering continuous portfolio management alongside project or topical planning on areas such as retirement, tax strategies, estate planning, and business planning.

The firm’s investment approach is primarily passive and grounded in Modern Portfolio Theory and asset allocation, using low‑cost index mutual funds and ETFs while also employing fundamental, technical, and charting analysis as inputs. Portfolios are managed on a discretionary basis with periodic reviews tied to client objectives, risk tolerance, and tax considerations, and the adviser offers project-based and hourly planning engagements when appropriate.

Distinctive features include an affiliation with an in‑house accounting practice (Winding Trail Accounting, LLC), which provides tax and accounting services and is disclosed as a potential conflict of interest, and an explicit focus on businessowner consulting and corporate clients. The firm also discloses the use of client testimonials in its advertising—an uncommon practice among peers—and the principal’s temporary trustee/caretaker role for a family business has been disclosed as limited, part‑time involvement.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy General tax planning

Want help finding the right advisor?

Answer a few questions to see advisors matched to you.

Fee options

Fixed

Project/Topical Financial Planning fixed fees ranging between $500 and $10,000

Percentage

$0 - $1,000,000: 1.00% $1,000,001+: 0.50%

Project-based

$250 to $600 per hour, minimum $500 total hourly fee

Main office location

Winding Trail Financial Planning, LLC

Lafayette CO, United States

Number of offices

1

Most active in

Colorado · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Dwight D

CFP®, CPA, PFS™, RICP®

Lafayette, CO

Winding Trail Financial Planning, LLC

Hi, I’m Dwight. Thanks for stopping by. I am a CPA and fee-only financial advisor in Lafayette, Colorado, and I specialize in tax-efficient financial planning for retirees and those about to retire in Colorado or elsewhere in the United States. My clients are typically age 50 or older and have successfully launched their kids. They are either retired or planning to retire within the next five years or less. Most are property owners, U.S. citizens, and have liquid assets above $750,000. They want comprehensive financial guidance—not just an investment salesperson—and need support as they approach one of the biggest financial transitions of their lives. They prefer to delegate the heavy lifting of investments, financial planning, and tax planning to a professional on an ongoing basis rather than seeking one-time projects. Just as important, they are genuinely nice people. While it may sound cliché, I only work with clients where there is mutual respect and a strong long-term relationship Winding Trail Financial Planning is a fee-only financial planning firm based in Lafayette, Colorado, serving retirees and small business owners who want more than just investment management. We specialize in tax-aware financial planning—helping clients make smarter decisions around retirement income, business structure, and long-term wealth strategies. Our approach integrates tax planning, investment management, and cash flow into a cohesive strategy designed to reduce lifetime taxes and improve financial clarity. Many of our clients are business owners, pre-retirees, or recently retired households who want a proactive advisor that looks around corners—not just reacts at tax time. As a fee-only fiduciary firm, we do not sell products or earn commissions. Advice is objective, transparent, and aligned with your goals. We aim to serve as a long-term partner—helping clients simplify complexity, make confident decisions, and stay on track throughout retirement. • Tax planning and proactive tax strategy • Retirement income planning and distribution strategies • Financial planning for small business owners and S-Corp optimization • Investment management integrated with tax efficiency • Cash flow and balance sheet planning • Coordination with CPAs and attorneys • Ongoing comprehensive financial planning (not one-time plans) Our process emphasizes forward-looking planning—identifying opportunities before year-end and aligning financial decisions with long-term tax outcomes.

Business ownership considerations Retirement income strategy General tax planning Founder/Business Owner Baby Boomers (Born 1946-1964)
Warmer team member

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.

Find your advisor
Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

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. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")