Kaleb Paddock
CFP®
Ten Talents Financial Planning, LLC
Founder
Kaleb Paddock
CFP®
Ten Talents Financial Planning, LLC
Founder
Hi, I’m Kaleb Paddock. I help couples optimize and coordinate their finances for retirement. - Kaleb Paddock, CFP®
Flat-price, fiduciary financial planner located in Parker, CO, serving clients locally and also virtually, across the country.

Kaleb Paddock is a Denver, CO area fee-only financial planner. Ten Talents Financial Planning, LLC provides comprehensive financial planning to help clients optimize and coordinar their finances for retirement.
Kaleb's clients are eyeing retirement decisions, often work at technology companies, or have experienced a sudden money event (inheritance, home sale, business sale, stock IPO, gift).
Kaleb helps you live life better through optimizing and coordinating your finances like never before.
As a fee-only, fiduciary, and independent financial advisor, Kaleb Paddock is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Hi, I’m Kaleb Paddock.
I’m the Founder of Ten Talents. I'm blessed to be regularly featured in CNBC, MONEY, and Business Insider personal finance articles.
My clients are eyeing retirement decisions, often work at tech firms, or have experienced a sudden money event (inheritance, home sale, business sale, stock IPO, gift).
I love bringing confidence and clarity to your financial situation and I’m passionate about helping you take control of your financial future.
I’m a CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional based in Parker, Colorado and I'm a fiduciary and fee-only advisor. Put simply, this means that I don't sell you financial products, I act in your best interest at all times, and my pricing is clear and easy to understand.
I work with clients in Parker, CO; Castle Rock, CO; Denver, CO and also virtually with clients across the country.
Kaleb Paddock 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.
I believe that you deserve a clear understanding of how money works in your life.
Without an advisor looking out for your best interest, making smart financial decisions can be confusing. To compound the confusion, the financial marketplace is teeming with individuals who are selling financial products, not acting as fiduciaries who seek your best interest.
You can take a DIY approach and try to Google your way to financial clarity. Unfortunately, that often leads to more confusion – not to mention bad advice.
Good advice shouldn’t be hard to come by. Around here, it’s in abundance.
The name Ten Talents comes from a biblical parable found in the Book of Matthew. In the parable, a talent is a measure of precious metal. It has value.
Ultimately, the purpose of the story is to encourage good management of valuable resources. The talents are, according to the parable, gifts from Creator God. It’s our job to manage them wisely.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Retirement Income Planning
- Comprehensive Financial Planning
- Investment Management
Ideal Clients
- Retirees and Near Retirees
- Growing Families
Working Together
- Complimentary Initial Consultation
- In-home Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
Professional Designations & Affiliations
-
Kaleb Paddock 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.
-
Kaleb Paddock 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.
-
Kaleb Paddock 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.
-
Kaleb Paddock is Quoted in US News and World Report: "7 Best Funds to Hold in a Roth IRA
-
Kaleb Paddock is Quoted in MarketWatch: "‘This reality has been brutal.’ After working with a few mediocre financial advisers, I started managing my own money. One year I made a 72% return. But this year, I’m losing a ton and ‘starting to get desperate.’ What’s my move?
-
Kaleb Paddock is Quoted in MarketWatch: "I’m 65 and semi-retired, having amassed $1.8 million myself with ‘a lot of risky small caps,’ tech stocks and some ETFs. I also have 20% in cash. Am I doing it right? Do I need an adviser to help?
-
Kaleb Paddock is Quoted in MarketWatch: "I have $950,000 invested with a large financial firm, but they are charging me $1,100 a month in management fees. Is this reasonable?
-
Kaleb Paddock is Quoted in MarketWatch: "Grammy winner Ed Sheeran is worth an estimated $200 million — but he’s a fan of this penny-pinching savings hack (and psst: pros say you may want to do it too)
-
Kaleb Paddock is Quoted in MarketWatch: "This is the ‘Jay Leno rule’ of saving money — and you don’t have to be rich to make it work for you
-
Kaleb Paddock is Quoted in MarketWatch: "‘How much would I end up spending?’ I’ve got $10 million in assets, and am thinking about hiring a financial adviser. How much will this really cost me though?
-
Kaleb Paddock is Quoted on CBS News - Moneywatch: "Know the penalties for withdrawing from your Roth IRA
-
Kaleb Paddock is Quoted in InvestmentNews: "HSAs, an adviser favorite, just don’t get much love
-
Kaleb Paddock is Quoted on Next Advisor: "This Basic Investment Decision Can Have a Big Impact On Your Retirement
-
Kaleb Paddock is Quoted in Investor's Business Daily: "How Advisors Get Clients To Tackle Uncomfortable But Necessary Tasks
-
Kaleb Paddock is Quoted on TheStreet.com: "When Do Workers Need to Pay Back a 401(k) Loan?
-
Kaleb Paddock is Quoted on Time.com / Money: "Annuities Offer Retirees Peace of Mind in Choppy Markets. But They Come at a Cost
-
Kaleb Paddock is Quoted on TheStreet.com: "Is it Possible to Return a 2020 RMD to a Retirement Account?
-
Kaleb Paddock is Quoted on CNBC: "4 steps to take if you worry you or your partner will be laid off due to the coronavirus pandemic
-
Kaleb Paddock is Quoted in MarketWatch: "A retirement savings hack thanks to this year’s delayed deadline for filing tax returns?
-
Kaleb Paddock is Quoted on Kiplinger: "Can You Count on Social Security?
-
Kaleb Paddock is Quoted on CNBC: "If you’re married, here’s how to choose the filing status that will save you the most on your taxes
-
Kaleb Paddock is Quoted on CNBC: "Should you hire a financial advisor? Ask yourself these 4 questions first
-
Kaleb Paddock is Quoted on CNBC: "3 money mistakes to avoid in your 30s, according to experts
-
Kaleb Paddock is Quoted on Business Insider: "8 ways to recession-proof your finances, according to experts
-
Kaleb Paddock is Quoted on Time.com / Money: "5 Financial New Year's Resolutions You Can Actually Stick To
-
Kaleb Paddock is Quoted in Financial Planning Magazine: "'Hey Google, check my balances:' More voice tech coming to RIAs
-
Kaleb Paddock is Quoted in Investor's Business Daily: "Advisors Develop A Seamless System To Welcome Newcomers To The Firm
-
Kaleb Paddock is Interviewed on Sammy Rabbit: "Giving, Budgets, Bottle Caps and More
-
Kaleb Paddock is Quoted on next avenue: "Retiring on a Shoestring: How one couple is doing it, and what financial advisers suggest
-
Kaleb Paddock is Quoted on CNBC: "59% of well-off millennials say they’d make 1 big retirement mistake for the sake of their kids
-
Kaleb Paddock is Quoted on PolicyGenius.com, "This is how much you can save without breaking the rules
-
Kaleb Paddock is Quoted on BankRate.com: "How to roll over your 401(k) in 5 easy steps
-
Kaleb Paddock is Quoted on BankRate.com: "The average American forgoes nearly $2,000 in interest via low-yield savings accounts
-
Kaleb Paddock is Quoted in Financial Planning Magazine: "Advisors should change fee structures to attract next-gen clients
-
Kaleb Paddock is Quoted on TheStreet.com: "How Financial Planners Deal With Clients Who Freak Out Over Market Volatility
-
Kaleb Paddock is Quoted on CNBC: "Think twice before choosing any employee benefit plans
-
Kaleb Paddock is Quoted on TheStreet.com: "Financial Planners Changing How They Charge For Services to Attract New Clients
-
Kaleb Paddock Enjoys Volunteering for SECOR Cares
-
Kaleb Paddock is Quoted in the Wall Street Journal: "The Smart Way to Make Sure Your Retirement Nest Egg Lasts
Contact Kaleb Paddock
Office Locations:
-
10233 S Parker Rd
Suite 300
Parker, CO 80134 -
3190 S Vaughn Way
Suite 550
Aurora, CO 80014-3538 -
1745 Shea Center Dr
4th Floor
Highlands Ranch, CO 80129-1537 -
6312 S Fiddlers Green Cir.
Suite 300E
Greenwood Village, CO 80111-4831