Zack Gutches, CFP®, CPA
Flat-Fee Financial Planner & CPA to $250,000+ Income Christian Households
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Serving Clients Nationwide
Flat-Fee Financial Planner & CPA to $250,000+ Income Christian Households
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 to be their trusted guide for all things personal finance, taxes, and investments.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
- Fee Only Network
Primary Location
2373 Central Park Blvd Unit 100, Denver, CO 80238
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Offers Advice-Only Services
- 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 (40-Client Cap)
• 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 (Sales Professionals and/or with Equity Compensation)
• 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
SEC Lookup
View DisclosureWho 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
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