Remarkably personal financial planning in Montrose, CO

You have ideas of what you want your money to do and the legacy you want to pass along, but creating the documents necessary to ensure that is uncomfortable and inconvenient. We leverage third-party software to deliver a streamlined experience, helping you maximize your impact now and well into the future.

No amount of planning can protect you from all the uncertainties of life but insurance is useful in protecting against worst-case scenarios. Of course, you hope to never need it, but you’ll be glad you have it if you ever do. We’re not insurance salesmen and don’t earn a commission, so we’ll never put our interest ahead of yours.

We know that your business is an extension of yourself and an integral part of your goals. We provide unique perspectives on both your business and how those decisions impact your wealth. We offer a variety of tax-advantaged, small-business plans and strategies for business owners, and their employees.

Our investment philosophy is simple: Markets are efficient and you can’t time the market. We believe in balancing long-term growth with enough short-term stability so you can weather all market conditions.

We believe in helping our clients pay less in taxes and keep more of their hard-earned money. Our philosophy is to focus on keeping your lifetime tax bill as low as possible, not just scoring small wins in any single year. Your biggest expense in life is taxes, so why give the IRS a tip?

There are many ways to give, whether that’s through your time, knowledge, or assets. What matters most is that you are supporting causes and organizations that align with your values. We will help put you in a position to maximize your impact by ensuring you have a tax-optimized charitable giving strategy. Less money to the IRS means more money to charity.

Holistic Planning goes beyond numbers by integrating Financial Behavior Coaching, helping clients navigate the emotional and psychological aspects of wealth management. Through guided conversations and data-driven insights, we empower clients to make confident, rational financial decisions—minimizing emotional biases, avoiding common pitfalls, and staying committed to long-term goals. By aligning investment behaviors with personal values and financial objectives, we ensure a disciplined approach that leads to sustained financial well-being.

Look for three things: credentials, compensation structure, and local knowledge. A fee-only, fiduciary model means the advisor is legally required to act in your interest and doesn't earn commissions for recommending products. And in a region as distinct as the Western Slope—with its mix of agricultural land, small businesses, and retirees—an advisor who actually knows this market will serve you better than a generalist. Start with an introductory meeting and ask directly how they're paid and who they typically work with.

A fee-only advisor is paid directly by you—through a flat fee, hourly rate, or a percentage of assets managed—and nothing else. A commission-based advisor earns money when they sell you financial products like insurance policies or mutual funds, which creates an inherent conflict of interest. Holistic Planning is strictly fee-only. We never earn commissions, referral fees, or product incentives of any kind. Our only incentive is a financial plan that actually works for you.

Yes. While our office is based in Montrose, we serve clients across the Western Slope, including Telluride, Grand Junction, Delta, Ridgway, and surrounding communities. Many of our clients prefer in-person meetings; others work with us entirely virtually. Either way, you get the same level of planning depth and the same integrated access to our affiliated tax practice, Holistic Tax Solutions.

Yes—and it's one of the things that sets us apart. Through our relationship with Holistic Tax Solutions, we offer coordinated tax planning and preparation as part of your financial plan, not as a separate afterthought. That means your Roth conversion strategy, capital gains timing, retirement income sequencing, and business tax planning are all built and reviewed together, by people who are talking to each other year-round.

Yes, always. Holistic Planning is an SEC-registered investment advisory firm, and Connor Visser is a fiduciary at all times—not just during certain types of transactions. That means we are legally and ethically obligated to act in your best interest, recommend what's right for your situation, and disclose any conflicts of interest. It's the standard we think every financial advisor should be held to, and it's the foundation of how we work.