Zack Gutches, CFP®, CPA

Flat-Fee Financial Planner & CPA to Christian households in their 30's to 50's

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

Serving Clients Nationwide

Flat-Fee Financial Planner & CPA to Christian households in their 30's to 50's

8 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

Areas of Focus

  • Biblical Finance
  • Cash Flow
  • Equity Compensation Options
  • Giving
  • Having a Baby
  • Investment Management
  • Retirement Planning
  • Retiring Early (F.I.R.E)
  • Student Loan Advising
  • Tax-Smart Accumulation Planning
  • Taxes

About Zack Gutches, CFP®, CPA

Hi, I'm Zack. I partner with $250k+ income Christian households in their 30's to 50's where I build lifelong relationships with them and serve as an ongoing comprehensive financial guide on their journey.

The financial planning practice I was searching for didn't exist, so I felt called to build it. And that's how True Riches Financial Planning was born. See "About True Riches Financial Planning" below to learn more.

I personally am incredibly passionate about helping Christian households be excellent with their finances and wisely steward what God has entrusted each one of them.

When I'm not actively building ongoing relationships or crafting personalized financial advice, you'll find me:

• Spending quality time with my friends and amazing family
• Watching tennis, basketball, or re-runs of The Office, Parks & Rec, or Modern Family while eating my nightly Private Selection® Denali® Extreme Maximum Fudge Moose Tracks® Ice Cream
• Trying different restaurants or cooking a gourmet meal
• Playing cribbage, hearts, euchre, or Settlers of Catan with anybody who likes losing 😉
• Volunteering at church or in my community
• Being ACTIVE! Preferably outside.

1 Peter 4:10-11 says “Each of you should use whatever gift you have received to serve others…so that in all things God may be praised through Jesus Christ.”

Financial Planning is the embodiment of that verse for me. God gifted me with an ability, mind, and personality exactly geared towards this vocation, and I am honored to use my gift to serve you wholeheartedly for Christ's glory.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Certified Public Accountant (CPA)

Affiliations

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

Primary Location

2373 Central Park Blvd Unit 100, Denver, CO 80238

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Offers Advice-Only Services
  • Fee Only
  • Flat Fee
  • One-time Financial Plan
  • Subscription

What to expect in the first meeting

Click the 'Book Intro Call' button to schedule a complimentary 60-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 True Riches Financial Planning

True Riches is the only all-inclusive financial planning firm that specializes in serving $250k+ income Christian households for one transparent flat fee.

Here's what makes True Riches truly unique:
• All-Inclusive Service
• Transparent Flat Fees
• Premium Service Without Premium Fees
• Fiduciary-at-all-times
• Aligned Christian Values
• In-House CPA Expertise

At True Riches, $250k+ income Christian households experience complete coordination of their financial life — from investments, taxes, employer benefits, cash flow, retirement planning, and more — all for one transparent flat fee.

Our clients tend to be:
• W2 Earners with Equity Compensation (RSU's, ESPP, Deferred Comp)
• Physicians
• Pre-Retirees

Our pricing model is intentionally an ongoing quarterly flat-fee for All-Inclusive 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
  • Families
  • Financial Independence Retire Early (FIRE)
  • Gen X
  • Gen Y / Millennials
  • Physicians
  • Sales Professionals
  • 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


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™
May 14, 2025
Zack is a technically savvy financial planner who offers exceptional, comprehensive service. He is skilled at providing sound advice with clear tactics and recommendations to optimize saving, giving, and paying. In just a few months working with Zack, he has navigated nuanced financial situations in taxes, real estate, inheritances, side hustle income, charitable giving, and account consolidation. Zack’s integrity and transparency go a long way in building trust with clients starting with the first meeting. If you are considering a financial planner for your personal finance needs, you should talk to Zack while he can still take on new clients… the spots will surely fill at some point soon!
Relationship to Financial Advisor: Client as of May 14, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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Ryan

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.
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Nick

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.
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Carolyn

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.
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Britt

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.
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Blake

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.
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Marty

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.
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Jordan

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
Jennifer