# True Riches Financial Planning

True Riches Financial Planning is an Asset Manager based in Denver.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Denver
- **Assets under management:** Undisclosed
- **Website:** truerichesfp.com
- **LinkedIn:** https://www.linkedin.com/company/true-riches-financial-planning

## Regulatory record

- **CRD number:** 333004
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/333004

## About

True Riches is an independent, fee-only financial planning practice that helps Christian families unlock their finances under one clear, faith-aligned framework. Its mission is to help Christian families transform worldly wealth to True Riches. Services include holistic financial planning, investment management, tax planning, estate and legacy planning, charitable giving planning, retirement planning, and education planning.

## Sectors

- Christian families

## People

- Zack Gutches — CFP®, CPA, Founder

## Questions

### Is True Riches Financial Planning a fiduciary?

As a registered investment advisor, the firm operates under the Investment Advisers Act of 1940, which imposes a fiduciary duty to act in clients' best interests. This standard differs from the suitability standard that governs broker-dealers. Its fee-only compensation model removes commissions and product-sale incentives that can create conflicts under broker-dealer frameworks.

### Who serves as the custodian for client assets?

Client assets are held in custody at an independent, qualified third-party custodian bank or trust company. The firm does not take physical custody of client funds or securities. This structure provides an additional layer of safety and transparency, with clients receiving account statements directly from the custodian.

### What types of clients does the firm serve?

The firm primarily serves mass-affluent and high-net-worth individuals and families. Typical clients are accumulating assets for retirement, planning for education funding, or managing the proceeds of a business sale or inheritance. The service model emphasizes comprehensive financial planning that extends beyond portfolio management to tax, estate, and retirement-income coordination.

## Related profiles

- [True North Financial Planning](https://altss.com/profile/true-north-financial-planning-llc)

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Last updated: 2026-08-11T15:08:22.057Z

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