Matthew Kelley


Gold Medal Waters, Inc.

Founder and President

Matthew Kelley


Gold Medal Waters, Inc.

Founder and President

We often hear that potential clients are seeking our help with "managing investments" or "creating financial plans." That's the "what" of an advisory relationship. Pretty much all competent advisory firms do this work. However, not all firms know how to focus on your "why." - Matthew Kelley, CFP®, AIF®, AAMS®

We help physicians, and others with high income, achieve better, and more certain outcomes.

Matthew Kelley is a Boulder, CO fee-only financial planner.  His firm, Gold Medal Waters, is focused on creating solutions and delivering results for all its 100+ clients.  Gold Medal Waters provides comprehensive financial planning, investment management, and retirement and tax planning for medical professionals and their families - such as physicians and dentists - as well as clients who have significant assets and complex planning needs. As a fee-only, fiduciary, and independent financial advisor, Matthew Kelley is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Matthew Kelley received his BA from Fairfield University in Connecticut and completed post graduate work at the College for Financial Planning in Colorado. He holds the designations of CERTIFIED FINANCIAL PLANNER™ and ACCREDITED ASSET MANAGEMENT SPECIALIST™. Matthew has also earned the ACCREDITED INVESTMENT FIDUCIARY™ professional designation, awarded by the Center for Fiduciary Studies, which is associated with the University of Pittsburgh. He has received formal training in investment fiduciary responsibility.

He has been quoted in periodicals such as Newsweek, BusinessWeek Small Biz, Investment News, Fly Rod and Reel, The Denver Business Journal, The Boulder County Business Report, Caviar Affair Magazine, Physicians Practice, WebMD, Medscape, Men's Health, Women and Co., and the Boulder Realtor Review. Matthew has appeared on KUSA 9 News' Moneyline 9, and volunteers his services for Kiplinger's "Jump Start Your Retirement."​

Matthew is a member of the Boulder County Estate Planners Council, the National Associate of Personal Financial Advisers (NAPFA), and the Garrett Planning Network. He serves as a mentor for the Fairfield University Lacrosse alumni mentorship program and is the current Head Coach of the Fairview High Lacrosse team. In the past, he served as the Head Coach of the Boulder High School Lacrosse Program and as an assistant coach at the Alexander Dawson School.​ Paul earned the Paul Harris Fellow Designation from Rotary International and is a former mentor in the University of Colorado Professional Mentorship Program. 

He spends his personal time with his wife, his two daughters and his dogs.

Matthew Kelley 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.

Gold Medal Waters  is an independent fee-only financial planner and wealth management firm that has developed a specialty in serving the unique challenges and goals of medical professionals and their families - such as physicians and dentists - as well as clients who have significant assets and complex planning needs.

Our mission is pretty straightforward - we want to make sure that after each conversation, you feel an increase in control and a decrease in anxiety.

While not all of our clients are doctors, the majority of our clients come to us from the medical field due to our experience working with high incomes and our deep understanding of strategic benefit and retirement options for physicians. 

Areas Where We Can Help​: Debt Management, Education Planning, Estate Planning, Practice Management, Retirement Income, Risk Management & Insurance, Investment Portfolios, Retirement Planning, Tax Planning, Asset Protection, Employee Benefits, Charitable Giving


Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Strategic Planning
  • Tax-Aware Investing
  • Asset Protection
  • Tax Planning
  • Public Service Loan Forgiveness

Ideal Clients

  • All Medical Professionals
  • Anesthesiologists
  • OB-GYNs
  • Ophthalmologists
  • Surgeons

Working Together

  • Complimentary Initial Consultation
  • Relaxed Consultations
  • Annual Re-Discovery
  • Fixed Price Engagements
  • Focused on Outcomes

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Matthew Kelley 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.

  • Certified Financial Planner (CFP)
    Matthew Kelley 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.

  • Garrett Planning Network - GPN
    Matthew Kelley is a member of the Garrett Planning Network. Click here to learn more.

    Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.

  • Accredited Investment Fiduciary®
    Matthew Kelley is an Accredited Investment Fiduciary® (AIF)

    Accredited Investment Fiduciary® (AIF®) training empowers investment professionals with the fiduciary knowledge and tools they need to serve their clients’ best interests. Advisors who have earned the Accredited Investment Fiduciary designation have gone through training, met the qualifications, and passed the exam allowing use of the AIF designation and they are immediately able to demonstrate the added value that they can bring to both existing and prospective clients.

  • AAMS - Accredited Asset Management Specialist

    Matthew Kelley is an Accredited Asset Management Specialist

    Financial advisors and investment managers who hold the AAMS® designation have completed a course of study encompassing investments, insurance, tax, retirement, and estate planning issues. Individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process.

  • Dimensional Funds
    Gold Medal Waters, Inc. is an Approved Dimensional Funds Advisor

    Dimensional believes an advisor can work closely with you to understand your financial needs and provide a range of wealth management services, while encouraging the discipline essential to long-term investment success. Financial advisors who work with Dimensional operate independently from Dimensional and vary in the extent to which they use Dimensional funds.

Contact Matthew Kelley

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Office Locations:

  • 4551 13th St.
    Unit C
    Boulder, CO 80304
  • 14143 Denver West Pkwy
    Golden, CO 80401
  • 4845 Pearl East Circle
    Suite 101
    Boulder, CO 80301
  • 1624 Market Street
    Suite 202
    Denver, CO 80202
  • 2 West Dry Creek Circle
    Suite 100
    Littleton, CO 80120
  • 357 McCaslin Boulevard
    Suite 200
    Louisville, CO 80027
  • 11001 West 120th Avenue
    Suite 400
    Broomfield, CO 80021
  • 7350 E Progress Pl.
    Greenwood Village, CO 80111
  • 9233 Park Meadows Dr.
    Lone Tree, CO 80124
  • 2108 Milestone Drive
    Suite 200
    Fort Collins, CO 80525
  • 355 S. Teller St.
    Lakewood, CO 80226

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