Can you be smarter with your finances?

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.

  • When Should You Use Your Insurance? When Should You Use Your Insurance? Insurance was on our minds a year ago with the historic floods that came to Boulder County. With many homes a complete loss, there was no question about filing a claim with an insurer. But most of the time when we suffer a loss, it’s not such a clear cut decision to file.
  • Should You Lease a Car? Should You Lease a Car? When it comes to leases, often the obvious choice is the wrong one for many reasons.
  • Manufacturing Income in Retirement Manufacturing Income in Retirement You've been saving for this day for thirty years, but you have to wonder how the mechanics of getting paid are actually going to work.


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 PlannersClick here to view our Cambridge Pledge to Clients.

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