Matthew Kelley, CFP®, AIF®

Financial planner for physicians and others with high income.

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Gold Medal Waters Matthew Kelley, CFP®, AIF®
Boulder, Colorado

Serving Clients Nationwide

Financial planner for physicians and others with high income.

Areas of Focus

  • Financial Life Planning
  • High Net Worth
  • Investment Management
  • Retirement Planning
  • Taxes

About Me

Hi, I'm Matthew Kelley. I'm a New Yorker by birth, and I spent most of my youth hiking the Adirondack mountains and playing lacrosse. My parents pushed me to work at a young age, and I learned that I didn't like working for others. So, at 14, I started my own landscaping business.

My grandfather introduced me to the financial markets at this time, and I began to buy stocks with my profits. This led me to seek an internship with one of the nation's first financial planning firms through my college years.

After college, I moved to Colorado to compete in snowboarding. I didn't do as well as I envisioned, so I decided that maybe snowboarding was not my competitive calling and began to look for what else interested me.

This led me back to financial planning. In 2004, I asked my wife if I could leave my well-paying job and start my own financial planning company while on our honeymoon. She trusted me those many years ago, and I never looked back.

Today, we've built an enduring and sustainable practice centered around helping our clients use their money to achieve their life's purpose for career, family, individual pursuits, retirement, and legacy. Life's not a rehearsal, and we keep this at the forefront of our advice.

Locally, I serve my community by coaching high school lacrosse and I've been doing this since 1999. I love planting leadership seeds to help our future generations to treat others with love and respect.

When I'm not working or enjoying my beautiful family, you will most likely find me doing one of the following:

🍷 Daydreaming about enjoying some great food on a vineyard in Italy
✈️ Coaxing my wife to take a vacation
🚵‍♂️ Grunting up a trail on my mountain bike
🍳 Messing up the kitchen cooking a gourmet meal
⛷️ Chasing my daughters through the trees on skis
🐕 Unsuccessfully training my chocolate lab to walk calmly
👨‍🏫 Teaching leadership principles to anyone who will listen

Professional Designations

  • Accredited Investment Fiduciary (AIF)


  • Fee Only Network
  • Garrett Planning Network
  • National Association of Personal Financial Advisors

Primary Location

4551 13th Street, Unit C, Boulder CO 80304

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Only
  • Flat Fee

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free introductory call. A brief phone or video discussion to better understand and define what you're seeking and how we may be able to add value. At this early stage, we can't guarantee whether or not we can be of any benefit to you. To see if there is a mutual benefit, we typically have a chat for about 30-40 minutes. I find out a little bit more about you and what you're trying to achieve and you can find out a little about us, and what we do. Then, if there is a mutual fit, you can decide if you'd like to take it any further. I look forward to speaking with you.

Offers Investment Management


About our Firm

At Gold Medal Waters, we are planners who proudly serve physicians and others with high current income, high earnings potential, or substantial assets. We guide our clients to achieve meaningful outcomes and help them build a better life, both now and in the future.

Our mission is pretty straightforward - we want to make sure that after each conversation, you feel an increase in control and a decrease in anxiety.

We believe that our client's future happiness depends on the work we do today. That proper financial planning and systematized investment management decreases negative stress and increases well-being, leading to better outcomes. That's why we're dedicated to pairing our clients with real people who deliver advice with warmth, understanding and privacy.

Gold Medal Waters, Inc. (GMW) is a fee-only financial advisory firm that serves individuals, families, foundations and company retirement plans such as 401(k)s and 403(b)s. We started out as a small independent firm in Boulder and recognize that the growth and success we are experiencing is a direct result of maintaining our core values and our focus on serving physicians.

GMW is a Registered Investment Advisor (“RIA”) located in the State of Colorado providing investment advisory services and related services for clients nationally. As of today, we mainly operate throughout Colorado and Illinois. With the aid of teleconferencing, our financial advisors and CFP®s increasingly work with clients all over the United States.

We maintain all applicable registration and licenses as mandated by the various states in which GMW conducts business, as applicable. GMW renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Areas Where We Can Help​: Debt Management, Education Planning, Estate Planning, Practice Management, Retirement Income, Risk Management & Insurance, Investment Portfolios, Retirement Planning, Tax Planning, Asset Protection, Employee Benefits, Charitable Giving


Fairfield University

Hobbies and Interests

  • Bird Watching
  • Cooking
  • Cycling
  • Family
  • Fishing
  • Hiking
  • Skiing
  • Snowboarding
  • Sports
  • Traveling
  • Working Out
  • Yoga

Who We Serve

  • Baby Boomers
  • Business Owners
  • Corporate Executives
  • Dentists
  • Dual Income Family
  • Entrepreneurs
  • Gen X
  • Healthcare Professionals
  • Intergenerational Families
  • Living in Retirement
  • Physicians

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for providing access to the benefits described here (including being featured on this profile page), subject to these terms. 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.