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.

  • Managing your family's credit amidst constant breaches Managing your family's credit amidst constant breaches With the Equifax breach settlement, you have the right to two major options even if no harm has come to you
  • The Four Sources of Building Wealth The Four Sources of Building Wealth Your wealth is fed by four major sources. Most pay attention to one or two of them, but considering all four helps you build a sound financial future.
  • Let Your Health Savings Account Grow Let Your Health Savings Account Grow Consider all the benefits of an HSA: its triple tax advantage, personal ownership of account, flexibility to use it toward qualified expenses far in the future, and ability to invest it into stock index funds.


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.


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