DeDe Jones
CPA, CFP®
Innovative Financial, LLC
Managing Director
DeDe Jones
CPA, CFP®
Innovative Financial, LLC
Managing Director
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - DeDe Jones, CPA, CFP®
Fee-Only financial planner located in Lakewood, CO, serving clients locally and across the country

DeDe Jones is a Golden, CO fee-only financial planner. Innovative Financial, LLC provides investment management, tax planning and preparation, and comprehensive financial planning to help clients nearing retirement, women in transition, young professionals, and business owners organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, DeDe Jones is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
DeDe Jones is the Managing Director of Innovative Financial, LLC. She has twenty years of experience in the financial arena, including serving as an auditor for Ernst and Young, a lender for First Interstate Bank (now Wells Fargo), and a Controller for numerous companies, while working for a Venture Capital firm. As Vice President for Retirement Without Tears, she solidified her expertise as a financial planner and investment consultant.
DeDe understands that no matter how vast her experience is, its only value is within the context of an effective relationship. Therefore, she makes it a priority to be available to answer your questions and concerns, and will meet with you however often is required to help you meet your goals. As a client of Innovative Financial, there's no reason for worrying; as DeDe often says, "Call me – you'll sleep better."
In addition, our comprehensive Consulting Team consists of professionals in the areas of estate law, insurance, and the stock market. They will be brought in to assist you as needed, and their credentials presented at that time. We are proud to only work with those whom we would trust with our own personal matters.
DeDe Jones is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Innovative Financial has the expertise, finesse and experience necessary to create personalized, unbiased financial recommendations you can trust. We provide financial planning, investment management and business consulting services that blend critical analysis with compassion and creativity. The results are innovative strategies and solutions that unite your objectives and lifestyle.
We provide these services at fair and reasonable rates, with full disclosure of our fees and expenses. We don't sell anything and we don't get paid commissions by anyone, which means our only incentive is to provide you with superior service and unvarnished advice.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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DeDe Jones is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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DeDe Jones is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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DeDe Jones is a Certified Public Accountant (CPA)
A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.
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DeDe Jones is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
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DeDe Jones is Quoted in AARP Magazine: "A New Way to Measure Retirement Savings"
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DeDe Jones is Quoted on The Network Journal: "Expert Tips: How to Choose the Right Financial Planner for Your Needs"
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DeDe Jones is a Featured Guest on the From 1 to 100 Podcast: "LLC, Taxes, and Paying Yourself as a YouTube Creator"
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DeDe Jones Discusses "Estate Planning and Tax Changes " as a Guest on the Breaking Upward Podcast
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DeDe Jones is Quoted in ThinkAdvisor: "Advisors' Advice: How to Balance Work and Family"
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DeDe Jones is Quoted on CNBC: "Here’s how to avoid accidentally disinheriting your kids after you remarry"
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DeDe Jones is Quoted in Financial Advisor Magazine: "Gig Economy Offers Financial Advisors A New Type Of Client"
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DeDe Jones is Quoted on FPA of Central Florida: "HIRE EXPECTATIONS: HOW TO GET THE MOST OUT OF A GET-TO-KNOW-YOU MEETING WITH A FINANCIAL ADVISER"
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DeDe Jones is Quoted on NerdWallet.com: "Teach Your Teens About College Costs Long Before They Apply"
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DeDe Jones is Quoted on Haven Life Blog: "24 easy ways to save more money in 2020"
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DeDe Jones is Quoted on Andi Dyer's Real Estate Blog: "The Costs of Renting Out Your House"
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DeDe Jones is Quoted on TheStreet.com: "Tax Reform Law Gets Mixed Reviews From Financial Planners"
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DeDe Jones is Quoted in The Denver Post: "Divorce a harder financial hit for couples who split later in life"
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DeDe Jones is Quoted in The Spokesman-Review: "Nerd Wallet: How to know when it’s OK to spend"
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DeDe Jones is Quoted in Shelbyville Daily Union: "Teach your teen about college costs starting now"
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DeDe Jones is Quoted in MarketWatch: "How female investors can detect biased financial advice"
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DeDe Jones is Quoted on Mass Mutual's Blog: "5 overlooked tax deductions"
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DeDe Jones is Quoted on CNBC: "Here’s why some retirees no longer have to file a tax return"
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DeDe Jones is Quoted on Ask Liz Weston: "How to know when it’s OK to spend"
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DeDe Jones is Quoted on Yahoo Finance: "How part-time work in retirement can affect your Social Security and Medicare"
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DeDe Jones is Quoted on LifeHacker: "Submit Your Tax Return by June 14 to Avoid Paying the Failure-to File Fee"
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DeDe Jones is Quoted on Advisor News: "Here’s Why Advisors Need to Focus on Cash-Flow Analysis"
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Innovative Financial, LLC has an A+ Rating from the Better Business Bureau
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DeDe Jones is Quoted in InvestmentNews: "Financial advisers embrace virtual offices"
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DeDe Jones is Quoted on GoBankingRates.com: "6 Surprising Pros and Cons of Carrying Mortgage Debt"
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DeDe Jones is Quoted by Reuters: "How to save twice with the saver's credit"
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DeDe Jones is Quoted on Policy Genius: "Why are people trying to pay their property taxes early?"
Contact DeDe Jones
Office Locations:
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355 S Teller St
Suite 200
Lakewood, CO 80226