Zack Gutches, CFP®, CPA

Flat-Fee Financial Planner to busy Christian households in their 30's & 40's

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True Riches Financial Planning Zack Gutches, CFP®, CPA
Aurora, CO

Serving Clients Nationwide

Flat-Fee Financial Planner to busy Christian households in their 30's & 40's

7 Certified Advisor Reviews™
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Areas of Focus

  • Biblical Finance
  • Cash Flow
  • Equity Compensation Options
  • Giving
  • Having a Baby
  • Investment Management
  • Saving
  • Student Loan Advising
  • Taxes

About Me

Hi, I'm Zack. I partner with Christian professionals and families in their 30's & 40's and provide integrated, done-for-you financial planning, tax preparation + planning, investment management, and more - all for one transparent flat fee.

I started True Riches because I saw a huge need for working Christian households to have access to a dedicated, ongoing personal finance guide who specializes in working with Christians in accumulation-mode, serves as a fiduciary-at-all-times, and assesses a flat-fee based on value provided. Most financial advisors are generalists trying to serve everybody in a world filled with complexity, have high asset minimums, charge an arbitrary % of assets they manage, and don't specialize in seeing the big picture and how everything integrates together for the optimal benefit of the client. True Riches is here to change that.

I embody my mission by using my God-given gifts to wholeheartedly serve my clients with a spirit of utmost excellence, radical transparency, intentionality, lifelong-learning, and authenticity. I bring extensive experience to my clients from my time at Deloitte (one of the "Big 4" consulting firms) and as a previous Lead Financial Planner at one of the fastest growing independent RIA's in the country, where I served as a Household CFO to ~60 households and led the advisement on $100M+ in assets.

In personal finance itself, I believe in embracing the biblical values of generosity, simplicity, and wise stewardship. If you're eager to learn more, check out my website or book a complimentary consultation - don't worry, it's non-stuffy and there's no awkward sales pitch.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER™ Professional
  • Certified Public Accountant (CPA)

Affiliations

  • CFP Board
  • Fee Only Network
  • National Association of Personal Financial Advisors
  • XY Planning Network

Primary Location

15005 E Arkansas Dr, Aurora, CO 80012, USA

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Advice-Only
  • Fee Only
  • Flat Fee
  • Hourly Rate
  • One-time Financial Plan

What to expect in the first meeting

Click the 'Book Intro Call' button to schedule a complimentary 45-minute discovery meeting where we’ll explore what prompted you to seek ongoing professional fiduciary guidance and what a successful partnership would look like. We’ll also help uncover what’s most important to you and what challenges exist today that you want to resolve. I look forward to speaking with you.

Offers Investment Management

Yes

Offers Tax Preparation

Yes

About our Firm

True Riches provides ongoing, done-for-you comprehensive financial planning, tax preparation + planning, student loan planning, investment management, estate planning, employer benefits, and more - we call it our Household CFO approach.

Our clients tend to be W2 earners with equity compensation, solopreneurs, physicians, and executives with household income >$250k. Our pricing model is intentionally an ongoing quarterly flat-fee for Household CFO services so we can cater to the needs of high-earning households, whether or not they have Assets to manage. Our pricing is simple, fair, and is listed transparently on our website.

Education

BBA in Finance - Boise State University, BBA in Accountancy - Boise State University

Volunteer Experience

Next Steps Team Volunteer at Red Rocks Church in Colorado

Hobbies and Interests

  • Basketball
  • Board Games
  • Church
  • Cooking
  • Eating Out
  • Exercising
  • Family
  • Grilling
  • Hiking
  • Pickleball
  • Sports
  • Tennis
  • Traveling
  • Volleyball
  • Volunteering
  • Working Out

Who We Serve

  • Christians
  • Corporate Executives
  • Couples
  • Dentists
  • Dual Income Family
  • Entrepreneurs
  • Families
  • Gen X
  • Gen Y / Millennials
  • Physicians
  • Technology Professionals
  • Widow
  • Young Families

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


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Incredibly knowledgeable and genuine

✅ Wealthtender Certified Advisor Review™
Dec 17, 2024
My wife and I have been utilizing Zack’s services for almost two years now and could not recommend him more. His expertise and professional connections have helped our family not only save thousands in unnecessary costs but have helped put us in a position to launch our own business. Our dream of owning a business could not have been possible without the help of Zack and his services.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Nick was a client of Zack Gutches at a previous employer.
Avatar for Nick Propp
Nick Propp

5 Stars

✅ Wealthtender Certified Advisor Review™
Dec 2, 2024
Zack has been an exceptional financial advisor, helping me successfully invest my money into various buckets and funds tailored to the goals of each account. He simplified complex concepts and provided an easy-to-understand document to track my personal balance sheet, keeping me on track to meet my financial goals. His expertise, professionalism, and personalized approach have given me confidence and peace of mind in managing my finances. I highly recommend Zack to anyone looking for trustworthy and effective financial guidance!
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Carolyn was a client of Zack Gutches at a previous employer.
Avatar for Carolyn Murad
Carolyn Murad

5 Stars

✅ Wealthtender Certified Advisor Review™
Nov 8, 2024
My husband and I met with Zack when we first got married and he provided exceptional clarity on merging our finances and setting a financial plan for our future. It was very apparent that Zack was knowledgeable about the market and different investment vehicles, and he made us feel comfortable throughout the entire process. I would highly recommend!
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Britt was a client of Zack Gutches at a previous employer.
Avatar for Britt Blackwell
Britt Blackwell

5 Stars

✅ Wealthtender Certified Advisor Review™
Nov 5, 2024
Zack has helped me make decisions related to my personal and business finances over the past several years. I have found that he always takes my priorities into account and clearly explains his rationale for the decisions he thinks I should make. Zack is a great financial planner and I would recommend him to many of my friends.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Blake was a client of Zack Gutches at a previous employer.
Avatar for Blake Miller
Blake Miller

5 Stars

✅ Wealthtender Certified Advisor Review™
Nov 2, 2024
We started working with Zack about 5 years ago and were immediately impressed with his comprehensive knowledge of financial markets. My wife and I both work in finance and valued Zack’s fee-only approach, especially after seeing other advisors put their clients in high-fee, commission-based products throughout the years. Zack helped us create a simple, effective plan that allowed us to meet our required return without getting overwhelmed in the process. We also value Zack’s Christian approach with his practice. He helped us prioritize charitable giving in our plan, which was a goal we struggled to meet prior to working with him. He is a man of high character and I would recommend him to anyone looking for financial advice!
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Marty was a client of Zack Gutches at a previous employer.
Avatar for Marty Murad
Marty Murad

5 Stars

✅ Wealthtender Certified Advisor Review™
Oct 31, 2024
The services Zack provided our family will be paying dividends for years to come. I have a financial background and consider myself well-versed in many personal finance matters, but Zack gave excellent advice and brought very helpful ideas that were not on my radar. He was always prepared and our family is in a better financial position thanks to his services.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Jordan was a client of Zack Gutches at a previous employer.
Avatar for Jordan Wenger
Jordan Wenger

5 Stars

✅ Wealthtender Certified Advisor Review™
Oct 30, 2024
Zack is professional, patient, knowledgeable, and helpful. The financial planning expertise he shared with my husband and me gave us tremendous peace of mind about how we are currently handling our family’s finances and how we are planning for our family’s future.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Jennifer was a client of Zack Gutches at a previous employer.
Avatar for Jennifer Wenger
Jennifer Wenger