# Trail Ridge Investment Advisors

Trail Ridge Investment Advisors is a Bank / Wealth / Trust based in Fort Collins, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Fort Collins, United States
- **Region:** North America
- **Address:** Fort Collins, CO, United States
- **Founded:** 2018
- **Assets under management:** Undisclosed
- **Website:** trailridgewm.com
- **LinkedIn:** https://linkedin.com/company/trail-ridge-wealth-management

## Regulatory record

- **CRD number:** 284741
- **SEC file number:** 801-114051
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/284741

## About

Trail Ridge Investment Advisors is a Colorado-based wealth management practice serving the northern Front Range from its office in Fort Collins. The firm works with high-net-worth individuals, retirement plans, trusts, and charitable organizations, providing financial planning, retirement planning, and discretionary portfolio management. Its client base reflects the local economy: a mix of business owners, professionals, and families managing concentrated stock positions or business-sale proceeds, per the firm's official communications. The firm's investment approach centers on individually managed portfolios of equities and fixed-income securities, constructed to align with each client's tax situation and liquidity timeline. While Trail Ridge does not publicly disclose a house view on alternatives, its stated service set — trust advisory, retirement plan consulting for small businesses, and charitable-giving strategies — points toward a conservative, planning-led methodology rather than a capital-markets desk chasing opportunistic deals. Its geographic footprint is concentrated in northern Colorado, with client relationships extending through Larimer and Weld counties. Trail Ridge's organizational form as a registered investment adviser places it under SEC regulatory oversight, though publicly available filings shed little light on total assets under management or partner count. Its scale is characteristic of a boutique RIA: a handful of advisors managing client relationships directly, without layers of institutional distribution or a dedicated research staff. The structural differentiator for Trail Ridge is its independence. As a locally owned RIA with no parent bank, insurance company, or broker-dealer, the firm operates free of proprietary-product pressure or cross-selling mandates. That architecture rewards fee-transparency and fiduciary alignment — the kind of structural feature that resonates with Colorado's entrepreneurial class, many of whom are first-generation wealth creators evaluating professional management for the first time.

## Questions

### How does Trail Ridge charge for its services?

As an RIA, Trail Ridge almost certainly charges asset-based fees — a percentage of AUM — though its specific fee schedule is not publicly available. RIAs in this size class commonly bill quarterly in arrears, with fee rates declining as account size increases. The firm's fiduciary registration prohibits it from earning commissions on product sales, meaning its revenue is fee-only in principle.

### Where does Trail Ridge's client base concentrate geographically?

The firm operates from a single office in Fort Collins, Colorado, and its client base is concentrated along the northern Front Range, including the Fort Collins, Loveland, and Greeley areas. This region has seen substantial population and wealth growth over the past decade, driven by technology migration from the Bay Area and the expansion of Colorado State University's research ecosystem.

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Last updated: 2026-08-11T02:43:31.692Z

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