Three Waters Financial fees and pricing
Financial planner in Ignacio, Colorado. Registered with state securities regulators.
According to its Form ADV Part 2A brochure dated January 27, 2026, Three Waters Financial charges $165 an hour for financial planning.
Published fees
Quoted from the firm's Form ADV Part 2A brochure, filed January 27, 2026. Fees can change, so confirm with the firm before you hire them.
- Hourly rate
- $165/hr
“Hourly fees are commensurate with complexity of advice involved, beginning at $165 per hour.”
Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)
How Three Waters Financial bills
Payment and refund terms, quoted from the fee section of the brochure.
- “Hourly fees for planning projects are estimated in advance, agreed to by the client, and billed in arrears as services are rendered.”
- “Fees are charged in arrears, at a periodic fixed-dollar amount, are in place of all other AUM fees, and include all services offered in the discretionary Portfolio Management services contract.”
- “All advisory fees may be negotiable in the sole discretion of the firm.”
How Three Waters Financial’s fees compare
- Its hourly rate of $165 is below the Colorado median of $300. 9% of the 231 other Colorado planners that publish an hourly rate charge less.
About Three Waters Financial
“We also provide non-discretionary portfolio management services as part of our Financial Planning services.”
- Principal: Rolfe Spiegel
- Solo practice: one person runs the firm, so you work directly with the planner.
- Registered as an adviser: 2021 (5 years).
Planning areas mentioned in the brochure
- Retirement planning
- Tax planning
- Estate planning
Firm details from Form ADV
- How the firm is paid
- Hourly fees, fixed or flat fees, percentage of assets under management
- Charges a % of assets
- Yes
- Highest asset based fee in brochure
- 1% a year
- Clients
- 12
- Employees
- 1
- Works with
- Individuals and high net worth individuals
- Services reported to regulators
- Financial planning and portfolio management for individuals and small businesses
- Assets managed
- $30,570,647
- Registered with
- State securities regulators
- Disciplinary disclosures
- None reported
- SEC CRD number
- 312566
- Phone
- (970) 884-7330
Other planners in Colorado that publish fees
- 46 North FinancialDenverUp to $10,000
- 56 Capital Partners, LTDColorado Springs$100-$500/hr, $3,000-$25,000
- Abby Kovach Financial Planning, LLCLafayette$350/hr
- Aberle Investment Management LLCEagle$300/hr
- Accelerated Wealth Advisors LLCColorado Springs$250-$500/hr, $500-$7,000
- Ace Wealth Partners, LLCWestminster$200/hr, $1,500-$2,500
Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.