Yellowstone Financial, Inc.

Can you be smarter with your finances?

We are excited to announce we have merged with McNary Financial Planning. Our new firm is Confluence Financial Advisors and we look forward to continuing to provide great fee-only financial planning service to our clients.

Yellowstone Financial, Inc. is an independent, fee-only financial planning practice based in Boulder, Colorado.

We are fee-only financial advisors. That means we sell no products and receive no commissions. Instead, you pay us an annual fee for our objective, personal advice on how to achieve your financial goals. This annual retainer covers all the meetings necessary and allows you to contact us whenever you have questions or your life changes.

We focus on helping you achieve financial independence, by taking a careful look at your financial obligations, goals, and plans for the future. To read more about the services we offer, click here.

Yellowstone Financial’s founder, Dave Gardner, is a Certified Financial Planner (CFP®), admitted to practice before the Internal Revenue Service. He writes the personal finance column for the Daily Camera newspaper.

Dave is also a proud member of the Alliance of Comprehensive Planners. Click here to view our Cambridge Pledge to Clients.

  • The Good News About Long-Term Care The Good News About Long-Term Care Seeing new long-term care insurance companies enter into the market with more competitive prices offers hope that the pendulum is swinging back toward more affordable policies.
  • The Bad News About Long-Term Care The Bad News About Long-Term Care Long Term Care is expensive and most retirees don't have the resources to pay out of pocket. Unfortunately, Long-Term Care Insurance benefits are either being reduced, or the premiums are increasing now that insurance companies have a better insight into costs.
  • Are You Invested Wisely?  Imagine the Worst. Are You Invested Wisely? Imagine the Worst. You want to settle upon a target investment allocation that under dire circumstances you would not abandon. All of the formulaic approaches may be pointing toward 70 percent in equities, but it’s not the right answer if that level of risk in a very poor market would cause you to sell. That one poor decision could delay retirement by years.


Ready to get going? Contact us to schedule a no-cost, no-obligation initial consultation. We’ll talk about your financial concerns and objectives and the solutions we provide. If there is a match, we can talk further about working together to help you take the headache out of your finances and achieve the financial independence you desire.

Getting ready for an appointment? Visit our appointment preparation page.


Privacy Statement & Legal Terms