Dwight Dettloff
CPA/PFS, CFP®
Winding Trail Financial Planning, LLC
Founder, Fee-only Financial Planner
Dwight Dettloff
CPA/PFS, CFP®
Winding Trail Financial Planning, LLC
Founder, Fee-only Financial Planner
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Dwight Dettloff, CPA/PFS, CFP®
Fee-Only financial planner located in Lafayette, CO, serving clients locally and across the country

Dwight Dettloff is a Lafayette, CO fee-only financial planner. Winding Trail Financial Planning, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Dwight Dettloff is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Dwight Dettloff, CPA/PFS, CFP® is a Lafayette, CO fee-only financial planner and founder of Winding Trail Financial Planning, LLC
My passion is serving self employeds, entrepreneurs, small business owners, and near and current retirees. Winding Trail Financial Planning, LLC was founded as an independent, fee-only, fiduciary financial planning firm in order to provide objective advice.
I am a licensed Certified Public Accountant (Michigan, Colorado) and CERTIFIED FINANCIAL PLANNER™. While my experience in public accounting and in private industry has given me a unique perspective to financial planning, I place high value on self-improvement.
In 2013, my wife and I made the decision to move halfway across the country to Boulder County, Colorado and I took a Senior Accountant position with a privately-held, multi-entity healthcare consulting firm. I was eventually promoted to Chief Administrative Officer. As CAO, I oversaw the accounting and finance functions of the company as well as human resources including benefits administration. In addition to the business side, I also played an integral part in assisting with the personal finances of the business owners.
In our time off, you can usually find my wife and I enjoying our local trails whether it's backpacking through Rocky Mountain National Park, trail running throughout Boulder and Jefferson counties, or snowshoeing the high country. We still get back to Michigan to visit friends and family and we try to celebrate Adrienne's birthday in a new city each year. We welcomed the birth of our first child, Emmerich, in August 2018.
Dwight Dettloff 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.
Winding Trail Financial Planning, LLC is an independent, fee-only financial planning firm focused on helping professionals, entrepreneurs, small business owners, and near and current retirees achieve their best life. Winding Trail Financial Planning, LLC offers comprehensive financial planning on a subscription and AUM basis as well investment management without product sales or commissions.
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
- Business Owners and Executives
- Retirees and Near Retirees
- Growing Families
- Sudden Money Situations
- Novice Investors
Working Together
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Dwight Dettloff 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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Dwight Dettloff is a Member of the XY Planning Network
The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Dwight Dettloff 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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Dwight Dettloff is a Certified Public Accountant (Learn More)
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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Dwight Dettloff is a Personal Financial Specialist (PFS)
The Personal Financial Specialist (PFS) credential is granted solely to CPAs (Certified Public Accountants) with considerable personal financial planning education and experience. All areas of personal financial planning—including estate, retirement, investments, and insurance—have tax implications, and the PFS professional has the experience, ethics, and expertise to get the job done right.
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Dwight Dettloff 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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Dwight Dettloff is Quoted on MSN Money: "What To Do If You Made Too Much To Contribute To Your Roth IRA Last Year"
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Dwight Dettloff is Quoted on Dividend Power: "ETF vs Stock: Where Should You Invest?"
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Dwight Dettloff is Quoted on the Wealth Advisor Blog: "Doing well and being well: Financial advisors add fitness, diet and meditation to their toolbox"
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Dwight Dettloff is Quoted on Intuit's MintLife blog: "Newbie Investing Mistakes and How to Avoid Them"
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Dwight Dettloff is Quoted in USA Today: "Got debt? Flexible side hustles can help. Here are some tips to get started"
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Dwight Dettloff is Quoted on NerdWallet.com: "25 Ways to Make Money Online, Offline and at Home"
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Dwight Dettloff is Quoted on TheSimpleDollar.com: "Required Minimum Distributions: What They Are and How to Factor Them Into Your Retirement Planning"
Contact Dwight Dettloff
Office Locations:
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By Appointment
Lafayette, CO 80026