Your Bridge to a Better Financial Future

1180 Sunset Drive
Broomfield, CO  80200

Telephone:  303-469-2344
Fax:  303-469-7133 
(call first)

Email:  simmonsrick@earthlink.com

Get Map/Directions Here

Office hours by appointment only

Rick Simmons, MBA, CFP®

What is Fee-Only Financial Planning?

The success of a financial planner should be based on the success of his or her clients, not on the number of products a client purchases.  That is why Personal Financial Advisory accepts no commissions or other reimbursements from the implementation of recommendations.  The only compensation we receive is what you pay us directly.  Being compensated by a predetermined client fee rather than commissions assures that the advice you receive is unbiased and always in your best interest.

Why Hire a Financial Advisor?

More than ever, people are in charge of their financial future.  Most are aware that planning is critical but don't have the time or the expertise to develop a plan and make the needed financial decisions.  Personal Financial Advisory works as your partner in the planning process, helping you to enjoy your life more today while building the future you desire.

What Makes Personal Financial Advisory Different?


Fee-only Commitment: our compensation is never contingent on the outcome of any financial transaction you make.  We accept no commissions. Our only compensation is what you pay us directly.

Holistic Approach to Planning:  all of the financial areas of your life, including taxes and real estate, are integrated in one overall, comprehensive plan.

Focus on client education: education is our number one priority.  We will guide you through your options and explain them clearly to help you make the best choices.

How Much Do Your Services Cost?

Our fee is based on your income, your assets, and the complexity of your situation.  Our most popular option is our Full Service Retainer. With this open-end retainer, you may visit or call anytime in addition to your scheduled appointments at no extra cost.

For less extensive planning needs, a variety of affordable retainer options are available.

A complimentary initial consultation is available to review your situation and develop a proposal.

Personal Financial Advisory is listed with the State of Colorado as a Registered Investment Advisor.  The firm will not solicit or accept business in any state in which it is not properly registered or otherwise qualified to conduct business by virtue of a state "de minimus" exemption.  This website does not provide investment advice, nor does it constitute an offer to provide investment advice, to any individual or entity in any state or other jurisdiction.

  Goal Setting.  You will be guided in setting attainable goals for the near term and for the future as well as in  finding strategies to help balance what can seem to be conflicting goals. 

Goals/Values Exercise

   Risk Management.  We will review your insurance needs, current coverage, and deductibles as well as examine policies before you purchase them.  We continually monitor the financial stability of most major insurance companies.

   Retirement Planning/Financial Independence Analysis.  We can help you reach your retirement goals, your educational needs for your children, or any other financial goals you desire.  You personal and family goals, present savings, and other factors will be analyzed to develop a realistic timeline to meet your needs.  You will learn how to adjust your savings and spending patterns now in order to achieve your financial goals.

   Estate Planning.  You will be guided through the process of deciding how you want your loved ones cared for and your assets divided after your death.  The focus is on reducing estate taxes and probate costs while ensuring your wishes will be carried out.

   Special Needs Planning.  Life doesn't usually organize itself into pre-assigned categories.  Special needs planning includes education planning, budgeting, debt reduction, home purchase analysis, charitable giving, qualified plan/IRA rollovers as well as life transitions such as the death of a spouse, divorce, second marriage, early retirement, and starting a small business.

  Portfolio Analysis.  Are your present investments appropriate for your risk tolerance, tax bracket, and long-term goals? We will look at all your investments, including retirement accounts and real estate, before making investment recommendations.

  Investment Strategy. A personalized asset allocation will be developed based upon your needs and objectives.  You will learn how to balance your investments to hedge against inflation and unpredictable economic and market cycles.  Diversification appropriate to your investment horizon can help you reduce portfolio risk while enhancing return.

  Commission-Free Investing.  We regularly analyze no-load mutual funds and and make specific recommendations for your portfolio.  You may purchase recommended funds directly from the fund company or through the discount broker of your choice.  

  Member - Financial Planning Association (FPA)
  NAPFA-Registered Advisor
  Member - Alliance of Cambridge Advisors, a national network of fee-only personal financial advisors.

Education and Experience

  CFP® - Certified Financial Planner
  MBA - University of Kansas
  BS - University of Kansas
  Post Graduate Education in Personal Financial Planning
  University of Colorado at Denver - Adjunct Faculty in Finance