Justin Pritchard
CFP®, PPC®, RMA®, MBA
Approach Financial, Inc.
Founder
Justin Pritchard
CFP®, PPC®, RMA®, MBA
Approach Financial, Inc.
Founder
Let's plan your future and take action together so you can focus on the most important things in life! - Justin Pritchard, CFP®, PPC®, RMA®, MBA
Fee-Only financial planner located in Montrose, CO, serving clients locally and across the country

Justin Pritchard is a Montrose, CO fee-only financial planner. Approach Financial, Inc. provides retirement planning, investment management, and consulting on small business retirement plans to help busy clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Justin Pritchard is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Hi, I’m Justin Pritchard, CFP® with Approach Financial, Inc. in Montrose, Colorado. I’ve been helping people manage their finances for over 15 years, and my goal is to help you get things done and get on with the more important things in life. Whether you prefer to spend time with loved ones, get outdoors, or do anything else, completing those necessary financial tasks makes it easier.
You've got potential changes on the horizon? Let's make a plan so you can gain clarity and confidence as you move toward the next chapter.
My primary focus is retirement planning. As you move toward the next chapter in life, you may want to explore how things might unfold and make sure you're doing the right things.
- Do you have enough to retire, or are you on track for a comfortable retirement?
- How much can you spend each month or year?
- What taxes will you owe in retirement?
- Will health care spending be an issue?
- Are you investing in a way that makes sense for your long-term goals?
We can talk about all that and more. I work under a variety of models, including flat-fee and project engagements. But if you want me to manage assets for you, that's an option.
I’ve also worked with numerous workplace retirement plans (such as 401k plans), so I can handle plan operations as well as help employees—the people who save in those plans—make sense of their finances and work toward their goals. For retirement plans, small businesses and self-employed entrepreneurs are my sweet spot. I provide everything from plan consulting and setup to ongoing service, participant education, and financial wellness.
I earned an MBA and MSIS from the University of Colorado in 2003 and became a CERTIFIED FINANCIAL PLANNER™ professional in 2010. I’ve written about personal finance, loans, insurance, retirement, and more, and I enjoy staying up to date on new developments.
Let's talk! Pick a time for a quick introductory call, or download some of my freebies to help you plan and invest.
Justin Pritchard 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.
Approach Financial is an independent financial planning practice that has over 14 years of experience serving clients. Approach Financial works with many of the same clients, relationships, and retirement plans as before, but is now a fee-only practice. Based in Montrose, CO, and serving clients across the U.S. online and by phone (subject to state law). Approach Financial has experience working with small business and self-employed entrepreneurs. We cover financial planning and investment management for individuals and families, small business retirement plans (401k and more), investment management, and general consulting.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- 401(k) Plans for Small Business
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- Self-Employed Individuals
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Justin Pritchard 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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Justin Pritchard 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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Justin Pritchard 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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Justin Pritchard is a Professional Plan Consultant™
Advisors specifically interested in building their retirement plan advisory business pursue the Professional Plan Consultant® (PPC®) Designation. This training course teaches advisors a framework for managing successful and compliant 401(k) plans. Those who successfully earn their PPC® Designation demonstrate to clients and prospects their knowledge of ERISA requirements for employer-sponsored retirement plans and their ability to carry out plan services with a fiduciary standard of care.
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Justin Pritchard is a Retirement Management Advisor® (RMA®)
The RMA designation is an advanced certification for financial professionals that provides them with knowledge to build custom retirement income plans for their clients to better mitigate risk and ensure better outcomes. RMA professionals to take a holistic approach to your retirement needs and look beyond managing investments or retirement products and take a multidisciplinary approach to develop a complete framework for your retirement plan.
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Justin Pritchard is Quoted in the New York Times: "Tips for Paying Off Your Holiday Credit Card Debt"
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Justin Pritchard is Quoted in the Wall Street Journal: "Buried in Student Debt? Here's How to Play Catch-Up."
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Justin Pritchard is Quoted in Consumer Reports: "Money Moves to Survive a Coronavirus Recession"
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Justin Pritchard is Quoted on CNN.com: "Changes are coming to your credit score"
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Justin Pritchard is Quoted in US News and World Report: "How Do Share Secured Loans Work?"
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Justin Pritchard is Quoted on Time.com / Money: "A Beginner's Guide to Weathering the Next Recession"
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Justin Pritchard is Quoted on Kiplinger: "How Automatic Enrollment in 401(k)s Could Reshape Saving for Retirement"
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Justin Pritchard is Quoted in Forbes: "All The Ways Your Laziness Is Costing You"
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Justin Pritchard is Quoted on The Huffington Post: "Here's How Much You Really Need to Save for Early Retirement"
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Justin Pritchard is Quoted on MSN Money: "13 questions about investing that people ask the most"
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Justin Pritchard is Quoted in MarketWatch: "U.S. inflation just hit a new 40-year high. Here’s what 5 certified financial planners are doing with their own money amid high inflation"
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Justin Pritchard is Quoted on BankRate.com: "Tax credits vs. tax deductions: What’s the difference?"
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Justin Pritchard is Quoted on Yahoo: "When Is the Best Time to Apply for a Credit Card?"
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Justin Pritchard is Quoted on Yahoo Finance: "5 Major Money Mistakes To Avoid Once You Turn 60"
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Justin Pritchard is Quoted on NerdWallet.com: "Boost Your Chances of Getting Your Personal Loan Approved"
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Justin Pritchard is Quoted on The Huffington Post: "7 Smart Money Moves To Make In 2019, According To Experts"
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Justin Pritchard is Quoted on Her Money: "THE BACK-TO-SCHOOL FINANCIAL PRIMER EVERY TEACHER NEEDS"
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Justin Pritchard is Quoted on MagnifyMoney.com: "How to Finance Your Home Renovation"
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Justin Pritchard is Quoted on GoBankingRates.com: "The Investing Questions People Ask the Most"
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Justin Pritchard is Quoted in Reader's Digest: "10 Ways a Good Credit Score Could Save You Hundreds"
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Justin Pritchard is Quoted on Sound Dollar: "What Is an Annuity?"
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Justin Pritchard is Quoted on Black Enterprise: "5 Savvy Steps to Correct a Bank Error"
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Justin Pritchard is Quoted on The Balance Small Business: "Key Steps to a Successful Business Loan Proposal"
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Justin Pritchard is Quoted on Opinion Outpost: "Is Home ownership Still the Best Path to Financial Stability"
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Justin Pritchard is a Contributing Author at Sixty & Me
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Justin Pritchard is a Member of the Montrose Virtual Chamber of Commerce
Contact Justin Pritchard
Office Locations:
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210 East Main Street
Montrose, CO 81401 -
Mailing Address
236 South 3rd St. PMB 216
Montrose, CO 81401