Transparent Financial Planning Architecture.
100% Integrated or Standalone.
Financial planning is not a static binder gathering dust. For executives in the Denver Tech Center, families throughout Highlands Ranch, and business owners across Littleton, it is a living tax and wealth blueprint designed to optimize capital compounding, eliminate statutory tax surprises, and build multi-generational security.
Financial Planning Structure Options
Select the advisory model that best aligns with your current family or corporate compensation needs.
Integrated Financial Planning
Complete fiduciary stewardship for wealth management clients.
Tiered rates start at 0.90% and scale downward as assets grow.
For active wealth management clients across Highlands Ranch, Littleton, and Denver, comprehensive financial planning, ongoing tax-loss harvesting, Roth conversion window modeling, and Douglas/Arapahoe estate titling reviews are 100% bundled at zero extra charge.
- Continuous quarterly cadence & live updates
- Direct partnership with Thomas Little, CFP®
- Zero commissions, custodial markups, or hourly fees
Standalone Wealth Architecture
One-time deep-dive strategic roadmap without asset transfer.
Priced transparently based on balance sheet & tax complexity.
Tailored for Denver Tech Center executives with concentrated stock vests, Littleton entrepreneurs evaluating IRC Section 1202 QSBS exclusions before business sale, or families wanting an unbiased fiduciary audit before moving custody.
- Full RightCapital interactive dashboard access
- Actionable tax, equity, & distribution checklist
- Deliverables coordinated directly with your CPA/attorney
Core Modules in Every Financial Blueprint
Every plan is engineered around Colorado tax realities, executive compensation, and multi-decade wealth preservation.
Tax Friction & Location Analysis
Analyzing 3-bucket asset placement across taxable brokerage, pre-tax traditional IRAs/401(k)s, and tax-free Roths. We identify optimal multi-year Roth conversion windows and ongoing tax-loss harvesting protocols to shield capital from federal brackets and Colorado's 4.40% flat income tax.
Executive Equity & Option Strategy
Specialized modeling for Denver Tech Center professionals navigating RSU underwithholding gaps (addressing the federal 22% statutory shortfall), 83(b) elections, incentive stock options (ISO) alternative minimum tax (AMT) cross-currents, and SEC Rule 10b5-1 selling plans.
Retirement Distribution Sequencing
Structuring proactive withdrawal pathways for Highlands Ranch and Littleton pre-retirees during the "bridge years" (ages 60 to 73/75) before Social Security and Required Minimum Distributions (RMDs) trigger costly IRMAA Medicare surcharges and tax bracket spikes.
Interactive Retirement Analysis Workbench
Below is a live replica of the exact RightCapital portal interface we use during client strategy calls across Denver and the South Metro area. Adjust the sliders and dropdowns below to see how changes impact probability of success and terminal wealth in real time!
success
success
Financial Goals Proposed vs Current
Savings & Contributions
Strategies & Scenarios
13 Pillars Addressed in Every Yeti Wealth Blueprint
Here is a direct look at the exact charts, tables, calculations, and analytical sections extracted from our fiduciary financial planning architecture—tailored for Highlands Ranch, Littleton, and Denver clients.
Balance Sheet & Net Worth Master Audit
Just like any well-run enterprise, your personal balance sheet must be continuously audited. For homeowners across Highlands Ranch, BackCountry, and Littleton, we track liquid bank reserves, taxable portfolios, real estate equity, business valuation, and debt liabilities to measure true net worth velocity over time.
Target Asset Allocation & Risk Tolerance Analysis
We evaluate historical return variance, standard deviation (volatility), and downside risk parameters across U.S. Equities, International Equities, Emerging Markets, Real Estate, Government Bonds, Corporate Bonds, and Cash.
- 95% Confidence Band: -10.9% downside risk to +30.7% upside potential.
- Eliminating uncompensated risk through institutional, open-architecture factor tilts.
Morningstar Style Box & Single-Stock Risk Control
Holding more than 5% of your total wealth in a single stock introduces extreme single-issuer risk. Tailored for corporate executives in the Denver Tech Center (DTC) and Inverness hubs with concentrated positions, we structure systematic tax-aware liquidation roadmaps.
Identifying factor skews relative to total market benchmarks.
3-Bucket Tax Placement & Roth Bracket-Filling
We categorize every dollar into Taxable, Tax-Deferred (401k/IRA), and Tax-Free (Roth/HSA/529) buckets. During bridge income years prior to age 73/75 RMDs, we systematically convert pre-tax balances up to federal bracket boundaries—factoring in Colorado's flat 4.40% tax rate to unlock substantial net legacy wealth.
Multi-Factor Stress Testing Framework
Even the most disciplined plans face sudden real-world market shocks. We stress-test your blueprint against seven simultaneous adverse events to ensure your probability of success remains resilient.
- Immediate -20% Equity Market Crash (59% success baseline)
- +20% Tax Expense Increase & -20% Social Security Benefit Cut
- +1% Sustained Inflation & +5 Year Longevity Extension
Medicare & IRMAA Surcharge Shield
Original Medicare Part A/B/D vs. Advantage evaluation, group employer plan transitions at age 65, and controlling modified adjusted gross income (MAGI) to avoid costly IRMAA premium spikes.
Human Life Value & Risk Protection
Present-value evaluation of future earning power ($934k Mr. / $493k Mrs.), disability replacement coverage, long-term care cost shocks, and Colorado home replacement limits.
Executive Stock Options & RSUs
ISO and NQO exercise schedules, RSU vesting tax underwithholding gaps (22% statutory default vs. 37% top bracket), alternative minimum tax (AMT) adjustments, and 10b5-1 pre-scheduled selling plans.
Business Valuation & Pre-Exit Sale
Auditing Section 1202 QSBS 100% tax exclusions for Colorado entrepreneurs, lump sum vs. installment sale proceeds, and pairing Cash Balance pension plans for $200k+ annual pre-tax savings.
Education Funding Architecture
Modeling undergraduate and graduate tuition trajectories, maximizing state tax deductions via Colorado CollegeInvest 529 plans, and asset allocation sequencing as matriculation nears.
Estate Flowchart & Legacy Governance
Mapping gross estate flow to surviving spouses and heirs, synchronizing Douglas and Arapahoe County deeds, and coordinating revocable living trusts, powers of attorney, and healthcare directives.
Continuous Dynamic Review & Tax Synchronization
Annual calendar cadence orchestrating tax-loss harvesting in Q4, IRA backdoor contributions in Q1, rebalancing drift checks quarterly, and dynamic coordination with your personal CPA and estate attorney.
Frequently Asked Questions About Planning Fees
Clear answers regarding our fee-only compensation model and deliverables.
How much does a financial plan cost at Yeti Wealth Management Group?
For clients utilizing our active investment management services, comprehensive financial planning is 100% bundled at $0 additional cost. For clients seeking an objective, standalone blueprint without moving account custody, our flat project fee ranges from $3,500 to $5,000 depending on balance sheet and tax complexity.
What is included in the Standalone Wealth Architecture package?
The standalone engagement includes an in-depth audit of tax returns, 3-bucket asset location modeling, executive equity (RSU/option) vesting and underwithholding strategy, business pre-exit liquidity modeling (QSBS/Section 1202), and retirement drawdown sequencing—delivered in an interactive RightCapital portal across the 13 Pillars.
Do you earn commissions on products recommended in the plan?
No. Yeti Wealth Management Group is 100% fee-only. We accept zero product commissions, zero mutual fund 12b-1 kickbacks, and zero referral kickbacks. As a registered investment adviser in Colorado, we hold a strict legal fiduciary oath to put your financial interests first at all times.
Build Your Custom Financial Blueprint
Schedule a confidential strategy call with principal advisor Thomas David Little, CFP® to discuss your planning priorities. Serving Highlands Ranch, Littleton, Greenwood Village, and the Denver metro area.