Richard "Skip" Fleming


Lodestar Financial Planning

Financial Planner

Richard "Skip" Fleming


Lodestar Financial Planning

Financial Planner

As a fee-only financial planner, I focus on offering unbiased financial advice to help you achieve your life goals. - Richard "Skip" Fleming, CFP®

(719) 685-0600

Fee-Only financial planner located in Colorado Springs, CO, serving clients locally and across the country

Richard "Skip" Fleming is a Colorado Springs, CO fee-only financial planner. Lodestar Financial Planning provides broad-based 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, Skip Fleming is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Richard "Skip" Fleming is the founder of Lodestar Financial Planning, a financial planning practice providing hourly, as-needed financial planning and advice in Colorado.

Skip provides financial advice and coaching to individuals and their families. He specializes in serving those who serve; Military professionals, both active and retired, Federal, State, and Local Government Employees. In addition, Skip has a passion for working with families of special needs children.  He does not set minimum income or net worth requirements to engage in financial planning, investment consultation, or portfolio review services.

Skip is a graduate of Virginia Commonwealth University and a CERTIFIED FINANCIAL PLANNER™ professional. He has been in the financial services industry since 2002, following a 24-year career in the United States Marine Corps, where he was privileged to serve in various leadership positions.

As an Advisor, Skip is committed to guiding his clients to pursue their financial goals by bringing sound financial knowledge and trustworthy advice to each individual and family he serves. His areas of focus include:

• Broad-based financial planning
• Financial foundation planning and coaching (cash flow, debt elimination, & emergency savings)
• Special needs planning
• Military and Federal Employee Benefits
• Investment allocation and advice
• Retirement income planning
• Insurance planning

The father of a special needs daughter, Skip volunteers as a ski instructor with the National Sports Center for the Disabled and as a coach with Colorado Special Olympics. Understanding the concerns of families with special needs and the importance of coaching, he applies that understanding by guiding his clients toward productive, lifelong financial habits.

Skip is a member of the Pikes Peak Detachment of the Marine Corps League, the Military Officers Association of America.  He served on the Board of Early Connections Learning Centers.  Skip is also a member of the Professional Ski Instructors of America and a past president of the Financial Planning Association of Southern Colorado. In addition, he volunteers with Southern Colorado Junior Achievement and the Special Olympics.

Married for over 42 years with two children and twin grandsons, Skip enjoys spending time with his family in the beautiful mountains of Colorado; skiing, biking, hiking, whitewater rafting, and fishing.

Richard "Skip" Fleming 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.

Many people believe that financial planning is only for the wealthy; the reality is most anyone can benefit from a well-crafted financial plan, regardless of age or income level. We believe that everyone deserves Competent, Trustworthy, and Affordable advice.

We are Lodestar Financial Planning; a fee-only financial advisory practice located in beautiful Colorado Springs, Colorado.

We provide hourly, as needed financial planning and advice to our clients here in Colorado and several other states.

We do not sell investment or insurance products, nor do we receive commissions or any compensation from third parties. The only income we receive is from our clients for the specific advice they have requested.

Unlike most other fee-only firms, we also don't require you to have investment account under our management. Nor do we require a certain amount of assets for planning or investment advice. That's right; we don't manage assets, but we do provide investment advice within a financial planning context.

We are fee-only and simply charge for our time. We tailor our services to the needs of our clients. We do not impose a minimum fee for our advice.

Our services are accessible to people just starting on their financial journey, growing families, pre-retirees, do-it-yourselfers, and anyone in need of a one-time review, second opinion, periodic advice, or ongoing financial coaching.

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


  • Military & Federal Benefits Advice
  • Special Needs Planning
  • Investment Advice
  • Tax Planning
  • Broad-based Financial Planning

Ideal Clients

  • Military Members & Federal Employees
  • Families with Special Needs Children
  • Retirees and Near Retirees
  • Medical Professionals
  • Growing Families

Working Together

  • Complimentary Initial Consultation
  • Virtual & In-Office Meetings
  • Hourly As-Needed Advice
  • Clearly Defined Fees
  • No Product Sales or Minimums

Professional Designations & Affiliations

  • Garrett Planning Network - GPN
    Richard "Skip" Fleming 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.

  • National Association of Personal Financial Advisors (NAPFA)
    Richard Fleming 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)
    Richard "Skip" Fleming 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.

Contact Richard "Skip" Fleming

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Office Locations:

  • 7035 Campus Drive
    Suite 907
    Colorado Springs, CO 80920

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