Welch Financial Planning provides financial planning, portfolio management for individuals and small businesses, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Welch Financial Planning reports 157 clients. They include 103 individual clients and 54 high-net-worth individuals. Of its assets, 100.0% ($198M across 514 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 66% | 28% |
| High-net-worth individuals | 34% | 72% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 103 | $55.5M | 28.0% | $539K |
| High-net-worth individuals | 54 | $143M | 72.0% | $2.64M |
| Total | 157 | $198M | 100% | $1.26M |
- Clients
- 103
- Regulatory AUM
- $55.5M
- AUM share
- 28.0%
- Avg. per client
- $539K
- Clients
- 54
- Regulatory AUM
- $143M
- AUM share
- 72.0%
- Avg. per client
- $2.64M
Total
- Clients
- 157
- Regulatory AUM
- $198M
- AUM share
- 100%
- Avg. per client
- $1.26M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Welch Financial Planning charges 0.75%–1.50% a year for its Individually Managed Accounts. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and requires an account of at least $1,000,000. The brochure also prices 4 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 1.50% |
| $250K–$500K | 1.25% |
| $500K–$1M | 1.00% |
| $1M–$3M | 0.75% |
| $3M and above | 0.75% |
Fee details and sources
Other fees
- Consulting
- Limited-scope consulting is a negotiated fee, billed as services are rendered; no rate is stated.
- Estate planning document services
- Estate planning document creation through wealth.com is a negotiated flat fee, defined in the financial planning agreement.
- Held-away account management
- Discretionary management of held-away accounts through Pontera carries an annual advisory fee on held-away asset values, deducted quarterly; no rate is stated.
- Stand-alone financial planning
- Stand-alone financial planning is a fixed fee of $2,500 to $20,000 or an hourly fee of $350 to $500, agreed in advance in the planning agreement.
Tron Welch owns 75% or more of Welch Financial Planning. It has 6 employees, 2 of them in advisory roles.
Staff
- 6 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Welch Financial Planning, LLC
Tron Welch
Control person · since November 2007
Welch Financial Planning’s regulatory assets grew 1.6× from $124M (May 2024) to $198M (June 2026); clients rose from 127 to 157 and employees were 6 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jun 2026June 2026 | $198M | 157 | 6 | 1 |
| Mar 2025March 2025 | $146M | 143 | 6 | 1 |
| May 2024May 2024 | $124M | 127 | 6 | 1 |
Besides its headquarters, Welch Financial Planning has 0 offices, with 1 listed address in 1 state.
Colorado · 1 listed address
- 1790 38th St, Ste. 205, BoulderHQ
Other business names
Welch Financial Planning has reported 1 other business name to the SEC.
- Welch Financial Planning & Insurance
Contact and registration details
- Legal name
- Welch Financial Planning, LLC
- Headquarters
- 1790 38th St, Ste. 205, Boulder, CO 80301-2600
- Website
- welchfp.com
- Phone
- 303-939-8766
- @72293142
- SEC file
- 801-129411
- Structure
- Colorado LLC
- Fiscal year end
- December
Welch Financial Planning’s named custodian for separately managed accounts is Charles Schwab ($196M). Welch Financial Planning does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · West Lake, TX · $196M100%
At year end, Welch Financial Planning’s separately managed accounts were mostly in funds (60%) and stocks (36%). Its reported 13F holdings for the quarter ended 30 June 2026 total $172M across 71 positions; the largest are Select Sector SPDR TR (10.7%), iShares TR (8.4%) and Boeing CO (7.4%).
What the accounts hold
- Stocks36%
- Funds60%
- Bonds3%
- U.S. government and agency bonds2%
- Investment grade corporate bonds1%
- Cash1%
How many clients does Welch Financial Planning have?
Welch Financial Planning has 157 clients and manages $198 million for them, as of June 2026. They include 103 individual clients and 54 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 June 2026
What services does Welch Financial Planning offer?
Welch Financial Planning provides financial planning, portfolio management for individuals and small businesses, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Welch Financial Planning charge?
Welch Financial Planning charges 0.75%–1.50% a year for its Individually Managed Accounts. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and requires an account of at least $1,000,000.
Source: 2A BROCHURE, filed 25 June 2026
Which custodians does Welch Financial Planning use?
Welch Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (West Lake, TX), with $196M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 June 2026
How many financial advisors does Welch Financial Planning have?
Welch Financial Planning has 2 investment adviser representatives registered with state securities authorities, out of 6 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Welch Financial Planning invest in?
At the end of its last fiscal year, Welch Financial Planning’s separately managed accounts held 60% registered funds (mutual funds, ETFs, BDCs), 36% exchange-traded equities, 2% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Welch Financial Planning have a minimum investment?
Yes, Welch Financial Planning’s minimum account size for its Individually Managed Accounts is $1M.
Source: 2A BROCHURE, filed 25 June 2026
Who owns Welch Financial Planning?
Welch Financial Planning’s direct owner is Tron Welch (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 June 2026
How does Welch Financial Planning get paid?
Welch Financial Planning is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Welch Financial Planning?
Welch Financial Planning’s main office is at 1790 38th St, Ste. 205, Boulder, CO 80301-2600. Its phone number is 303-939-8766. Its website is welchfp.com.
