Michelle Francis
Life Story Financial
Financial Planner
Michelle Francis
Life Story Financial
Financial Planner
As a fee-only financial planner, my focus is to offer relevant advice that will help you gain confidence in your financial decisions. - Michelle Francis
Fee-Only financial planner located in Arvada, CO, serving clients locally and across the country

Michelle Francis is an Arvada, CO fee-only financial advisor serving clients locally and across the country. Life Story Financial provides comprehensive financial planning and investment management to help top female earners and independent women organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Michelle Francis is never paid a commission, and has a legal obligation to provide unbiased and trustworthy financial advice.
I'm Michelle Francis, a fee-only financial planner located in Arvada, Colo. I offer life-focused financial planning, retirement planning and investment management services in person and virtually.
I believe open and honest conversations about life and money can lead to overall well-being. That's why I’m passionate about hearing your unique story to learn what’s most important about money—and life—to you.
As a busy working mom to three, I know it's hard enough to find time for family and career, let alone to manage your money. That's why I take a thoughtful but efficient approach to planning and deliver advice that's free from judgment (and jargon)!
Educational Achievements and Industry Memberships
- Bachelor of Science degree in Business Management from Regis University in Denver, Colo.
- FINRA Series 7 general securities representative registration
- NASAA Series 66 uniform combined state law registration in Colorado
- Member XY Planning Network
- Member National Association of Personal Financial Advisors (NAPFA)
I'm passionate about learning, so devote time each year to taking financial classes, reading books and attending educational conferences. I regularly participate in mastermind groups with like-minded financial planners dedicated to improving their technical skills to better serve clients.
Community Involvement
- Board of Directors Sooper Credit Union Community Foundation
- Board of Directors, Executive Committee, Two Ponds Preservation Foundation
- Fundraising Committee Member, National PKU Alliance
- Member, Arvada Chamber of Commerce
Michelle Francis 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.
Financial Advice Based on Your Life
My approach is different from your typical financial advisor. I start by encouraging you to open up about your finances to get you in touch with your values and goals, and identify the obstacles that might be keeping you from achieving them. My mission is to shed a light on what's most important so I can offer relevant advice and a plan of action you'll be motivated to incorporate into your life.
The types of women and couples best served here are 40+, work in an executive-level role, earn a household income of $125,000 or more and:
- Are financially responsible
- Want a well-organized financial life
- Want a coach to hold them accountable
- See the value in paying for objective advice
- Are serious about accomplishing meaningful goals
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- Tax Planning
Ideal Clients
- Business Owners and Executives
- Retirees and Near Retirees
- Growing Families
- Sudden Money Situations
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Michelle Francis is a NAPFA Associate
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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Michelle Francis 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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Michelle Francis Serves on the Board of Directors for the SCU Community Foundation
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Michelle Francis is a Member of the Arvada Chamber of Commerce
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Michelle Francis Serves as Secretary for the Board of Directors of the Two Ponds Preservation Foundation
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Michelle Francis is a Member of the Fundraising Committee for the National PKU Alliance
Contact Michelle Francis
Office Locations:
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By Appointment
Arvada, CO 80007