Dwight Dettloff, CPA/PFS, CFP®
Tax-smart retirement planning
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Winding Trail Financial Planning
Dwight Dettloff, CPA/PFS, CFP® He/Him
Lafayette, CO
Serving Clients Nationwide
Tax-smart retirement planning
5 out of 5 Stars
Jump to Reviews
Areas of Focus
- Owning a Business
- Retirement Planning
- Social Security
- Tax-Smart Distribution Planning
- Taxes
About Dwight Dettloff, CPA/PFS, CFP®
I am a CPA and fee-only financial advisor in Boulder, Colorado and I specialize in tax-efficient financial planning for retirees and those about to retire in Colorado or elsewhere in the United States.My clients typically meet the some or all of the following characteristics:
✅ Age 50 and older
✅ Have successfully launched their kids
✅ Retired or ready to focus on retiring in the next five years or less
✅ Property owners
✅ United States citizens
✅ Liquid assets above $750,000
✅ Want comprehensive financial guidance, not just an investment salesperson
✅ Need guidance as they approach the biggest financial change of their life.
✅ Prefer to delegate the heavy lifting of investments, financial planning, and tax planning to a professional on an ongoing basis (not ideal for one-time projects)
✅ Nice Folks. While it may sound cliché, we will only work with genuinely nice people with whom we share a mutual respect.
If you are seeking guidance on how to retire in Lafayette, Colorado or across the country, let’s have a talk.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Certified Public Accountant (CPA)
- Personal Financial Specialist (PFS)
Affiliations
-
AICPA Personal Financial Planning (PFP)
- American Institute of CPAs
- CFP Board
- Fee Only Network
- National Association of Personal Financial Advisors
- XY Planning Network
- American Institute of CPAs
Primary Location
80026
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Offers Advice-Only Services
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory meeting. During this complimentary call, we will see if I'm a good fit to help you set and achieve your financial goals. I encourage you to add a guest, such as a spouse, partner, or anyone else involved. Plan on 30 minutes. Please note that we cannot provide financial advice without a signed agreement. I look forward to speaking with you.Offers Investment Management
Yes
Offers Tax Preparation
Yes
About Winding Trail Financial Planning
Winding Trail Financial Planning, LLC is an independent, fee-only financial planning firm in Lafayette, Colorado, focused on helping families that are near or in retirement with tax-smart retirement planning and investment management.Our financial planning services are specifically designed for those about to retire or already retired.
It is typically a combination of the following:
✅ Retirement readiness assessment
✅ Creating your retirement paycheck plan
✅ Social Security timing strategies
✅ Tax reduction opportunities
✅ Investment recommendations
✅ Clear action steps for your future
✅ Asset location guidance
✅ Estate planning strategies, in concert with your attorney
✅ Income withdrawal strategies - create a retirement paycheck
✅ Risk management
✅ Employee benefits (for business owners)
✅ Retirement plan guidance (for business owners)
✅ Charitable gifting guidance
✅ College, higher education, and private school planning
Education
Grand Valley State University, Master of Science in Accounting (M.S.A), Accounting
Hobbies and Interests
- Cycling
- Family
- Fishing
- Running
- Skiing
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Contractors
- Couples
- Dual Income Family
- Gen X
- Gen Y / Millennials
- Living in Retirement
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
By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.
5 Stars
✅ Wealthtender Certified Advisor Review™
Mar 10, 2025
Highest possible rating for Dwight and Winding Trail Financial. Dwight has been invaluable in helping my wife and I navigate the sometimes-complicated world of financial planning and investment. His tax advice and preparation have been outstanding. He provides exceptional, detailed reports and forecasts, responds quickly to inquiries, and leaves no doubt that he truly cares about his clients.
He also helped me complete the disbursement of an Estate account that had been dragging on for over 4 years. He attended numerous meetings with outside legal professionals and financial institutions with me so he could provide counsel and advice. All at no additional expense to me. Placing our life's savings under Winding Trail's guidance has been one of the best decisions I have ever made.
Relationship to Financial Advisor: Client as of Mar 10, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
The best of the BEST!
✅ Wealthtender Certified Advisor Review™
Aug 23, 2024
Dwight is simply amazing! As my accountant, he has been an absolute lifesaver, consistently going above and beyond to ensure that everything is in perfect order. His attention to detail is second to none, and he always takes the time to explain everything in a way that’s clear and easy to understand. Whether it’s tax preparation, financial planning, or just answering my endless questions, Dwight handles it all with expertise and professionalism. I couldn’t be more grateful for his dedication and hard work. If you need an accountant who truly cares about your success, Dwight is your guy! Highly recommended!
Relationship to Financial Advisor: Client as of Aug 23, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This review is for a separate but affiliated CPA firm.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 22, 2024
I highly recommend Dwight and Winding Trail for fee-only fiduciary financial planning. Dwight provided a very thorough assessment of my current financial picture, my planning needs, and he created a customized and very comprehensive approach which far exceeded my expectations. Because Dwight also has a background as a CPA, he was often able to provide insight about how financial planning choices might impact taxes and vice versa. I appreciated having this integrated approach. Financial planning can be complicated, but Dwight always explained things clearly in a way I could understand and documented it all in writing so I can go back to review our plan any time. His service more than paid for itself and was a great value. I can't recommend him highly enough!
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.
5 Stars
✅ Wealthtender Certified Advisor Review™
May 22, 2022
My wife and I have been working with Dwight for over 2 years. He has helped us come together on finances. He has a calm style, making sure that he understands our needs and future plans, along with making sure we are aligning on both. He follows up quickly from our meetings with supporting material and a recap of the advice he provided. Dwight is very responsive to questions outside of our meetings. He has also advised me against at least one reactionary money decision in the past couple years (volatile money times) that would have cost us some major money. Finally, he has made us comfortable with some life goals from the financial side (including having a kid) . I would recommend him to anyone needing sound financial advice in these volatile times.
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.
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