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Heirloom Wealth Management
Founded in 2014 by unnamed principals who left large national firms, Heirloom Wealth Management operates as a fee-based fiduciary from offices in Greenwood...
Heirloom Wealth Management
Founded in 2014 by unnamed principals who left large national firms, Heirloom Wealth Management operates as a fee-based fiduciary from offices in Greenwood Village and Denver, Colorado. The firm was built to fix what its founders saw as a structurally conflicted industry — one in which cross-selling targets and proprietary products dictated advice. Heirloom's name reflects its intent to manage wealth with the care given to a family keepsake passed across generations. Heirloom designs portfolios modeled on endowment-style diversification, spanning stocks, bonds, and a range of alternative asset classes. The firm deploys capital through individually managed accounts and does not sell commissioned products. Its advisory fees are asset-based, aligning the firm's revenue with client retention and portfolio growth. The investment approach is driven by a proprietary client-planning framework called the Live Well Plan™, which sequences cash-flow mapping, tax-aware asset location, retirement-income modeling, and estate coordination. Specific portfolio holdings are not disclosed publicly. From its two Colorado offices, Heirloom serves retirees, business owners, and families navigating liquidity events. The firm's website states it manages over $1.1 billion in assets and subjects its investment performance to an independent third-party audit — an uncommon disclosure in the RIA space that aims to verify returns against benchmarks. Heirloom does not disclose total team size or count of investment professionals. Heirloom's structural distinction lies in combining an in-house tax function with its investment-advisory practice. This integration embeds tax-strategy decisions — asset placement, equity-compensation planning, charitable structuring — directly into portfolio management rather than outsourcing them to external CPAs. The model targets families with concentrated stock positions and multi-generational complexity, whom Heirloom argues are underserved by platforms that separate planning from tax execution.
General information
Firm type
RIA
Year founded
2014
AUM
$1.1B+ (per the firm, 2026)
Location
Region
North America
Country
United States
City
Greenwood Village
Corporate office
6400 S Fiddlers Green Circle, Suite 1970, Greenwood Village, CO, United States
Additional offices
3200 Cherry Creek S Dr., Suite 130, Denver, CO, United States
Sector focus
Frequently asked questions
Who runs investment decisions and client strategy at Heirloom Wealth Management?
The firm has not publicly identified its founders or key investment-committee members. Heirloom describes its origin story as a breakaway from large national firms but does not name specific individuals. Day-to-day portfolio management and client planning are delivered by an internal team operating from the Greenwood Village and Denver offices.
How does Heirloom's fee structure align with client interests?
Heirloom operates exclusively as a fee-based fiduciary. Clients pay an asset-based advisory fee, and the firm does not accept commissions on product sales. This structure means the firm's revenue grows only when client portfolios grow and when relationships remain long-term — dropping off if a client withdraws assets or disengages.
What is the Live Well Plan™ and how does it shape portfolio construction?
The Live Well Plan™ is Heirloom's proprietary planning framework that maps a household's cash flows, tax liabilities, retirement-income needs, and estate goals over a multi-decade horizon. It determines each client's investment policy, risk budget, and asset-location strategy, meaning portfolio design follows the plan rather than driving it.
Does Heirloom participate in fund commitments, direct deals, or alternative investments?
Heirloom states its portfolios include a 'thoughtful range of alternative asset classes' alongside traditional stocks and bonds but has not publicly detailed the specific vehicles or structures used. The firm does not present itself as a direct-deal investor or venture-fund participant; allocations appear to be implemented through managed accounts.
How does Heirloom verify its investment performance claims?
Heirloom subjects its composite investment performance to an independent third-party audit — a disclosure relatively rare among RIAs of its size. The firm also provides client-level reporting that shows time-period returns net of fees and compares them to benchmarks, allowing each household to see its own track record.
What geographic or client-type concentration does Heirloom have?
The firm is concentrated in the Denver metropolitan area, operating from offices in Greenwood Village and Denver. Its stated client base centers on high-net-worth families, retirees, business owners, and individuals navigating liquidity events such as business sales or inheritances — many with concentrated stock positions and complex cash flows.
How is Heirloom structured to handle tax and estate coordination?
Heirloom embeds tax expertise directly within the firm rather than referring clients to external accountants. Investment decisions — including asset placement across taxable and tax-advantaged accounts, equity-compensation planning, and charitable-giving structures — are designed with tax outcomes as a core input, not an afterthought.
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