Reflective Financial fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 16, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$300/hr

“For the one-time startup fee, a prorated refund will be given, if applicable, upon termination of the Advisory Contract for any unearned fee at an hourly rate of $300.”

Flat or project fee

$300⁠-⁠$24,000

“Fixed fee rates range between $300 to $24,000.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Reflective Financial bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Recurring fees are paid monthly in arrears, ranging from $300 to $2,000.”
• “Fees are negotiable and the final agreed upon fee will be outlined in the Advisory Contract.”
• “Fees are paid by electronic funds transfer (EFT) or check.”

How Reflective Financial’s fees compare

• Its hourly rate of $300 matches the Colorado median of $300. 50% of the 231 other Colorado planners that publish an hourly rate charge less.
• 3 of the 4 other planners in Highlands Ranch that publish an hourly rate charge less.
• Its flat or project fee of $300-$24,000 spans the Colorado median of $5,250. 85% of the 214 other Colorado planners that publish a flat or project fee charge less.
• 3 of the 4 other planners in Highlands Ranch that publish a flat or project fee charge less.
• It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About Reflective Financial

• Principal: Dustin Bell
• Solo practice: one person runs the firm, so you work directly with the planner.
• Founded: 2023 (3 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• Business owners
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees

Charges a % of assets

No

Employees

1

Services reported to regulators

Financial planning

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

329622

Website

youtube.com/channel/UC5dI8fovrjpzeXDmW3Rn8rw (opens in new tab)

Phone

(719) 357-5070

Other planners in Highlands Ranch that publish fees

• Hoku Partners LLCHighlands Ranch$250/hr
• Kozak & Tripp Private Asset Management, Inc.Highlands Ranch$250/hr, $1,000⁠-⁠$10,000
• Profiscal Wealth LLCHighlands Ranch$250/hr, $995
• Roots First Wealth ManagementHighlands Ranch$3,000⁠-⁠$5,000
• Rosel Wealth Management, LLCHighlands Ranch$20,000
• Yeti Wealth Management Group, LLCHighlands Ranch$350/hr

Compare all 8 planners in Highlands Ranch