Scott Arnold



Partner, Portfolio Manager

Scott Arnold



Partner, Portfolio Manager

At IMPACTfolio®, we provide holistic financial planning and impact investing for a flat, annual retainer fee. Our mission is to radically reject the established norms of the financial service industry. We are leaving behind traditional investing that is focused only on the shareholder. Instead, we are embracing impact investing that takes a stakeholder approach to generate financial, social, and environmental returns. - Scott Arnold, CFP®

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

Scott Arnold is a Denver, CO fee-only financial planner. IMPACTfolio® provides comprehensive financial planning and portfolio management with a focus on Environmental, Social, and Governance (ESG) investing to help our clients grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Scott Arnold is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice. In addition, IMPACTfolio® charges a flat annual retainer fee. We feel strongly that this structure is the most equitable to investors and helps to reduce the conflicts of the asset-gathering model.

Due to his curiosity for solving financial puzzles coupled with his desire to help others, Scott Arnold joined the financial services industry in 1998. His passion to help others has grown stronger each year as a result of guiding clients through difficult and rewarding lifetime experiences. 

Scott is the “G” in the ESG (Environmental, Social, & Governance) investing principles. He is a strong advocate for investing in ethical companies that take all stakeholders (clients, employees, the environment, local community and shareholders) into account with their business decisions. Scott’s passion for governance stems from growing up in Parkersburg, West Virginia. Home of one of the most brazen, deadly corporate gambits in U.S. history. DuPont agreed to settle a class-action lawsuit in 2004 for upwards of 374 million.  In 2005 the company agreed to pay the EPA $16.5 million to settle charges against it.  The lawsuits alleged that DuPont had concealed evidence that C8 (a byproduct of Teflon) was harmful to human health and had failed to disclose the contamination of public drinking water for more than two decades.

Scott earned Bachelor of Science degrees in both Finance and Marketing from West Virginia University. Additionally, he earned the CERTIFIED FINANCIAL PLANNER™ designation in 2006 and has been a member of the Financial Planning Association since 2004.  He is also a member of NAPFA and the Fee-Only Network.

He lives in Centennial, CO with his wife Janet, their two sons and Emma (the doggie). Scott loves to spend his free time with family and enjoys getting outdoors hiking, camping and snowboarding. He believes in giving back to the community.  He was an active leader with Cub Scout Pack 559 for years and is currently coaching both baseball and flag football for his sons.  He also participates in various volunteer opportunities through the Financial Planning AssociationCO IMPACT Days and Guys Who Give.

Scott Arnold 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.

Triple Bottom Line Investing

All companies have not only a financial return, but also a social and environmental return. Whether intentional or not, businesses make an impact on their customers, employees, the community, and the environment. Some companies create value while others extract value. The only question is whether we – as investors – are going to take these non-financial returns into consideration.

At IMPACTfolio, our process involves what we call “triple bottom line” investing by seeking an environmental return, a social return, and a financial return. These three sources of return are what we refer to as our 3 P’s: Planet, People, and Profit.

The Questions We Ask

A financial plan is only as good as the questions being asked when creating it. At IMPACTfolio, we use what we call our 3 D’s. It involves the following three types of questions: data gathering, diagnosis, and discovery. Each of these serve a unique and distinct purpose.

Data gathering questions ensure that we have the proper information to do analysis and make recommendations. Diagnostic questions bring intentionality to planning by ensuring that clients are aware of the consequences of various aspects of their financial situation and decisions they have made thus far. Discovery questions infuse a plan with meaning by facilitating conversations about what's most important to the client and then anchoring the plan according to those values.

This 3D approach to client inquiry is what really brings a financial plan to life.

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


  • Environmental, Social, and Governance (ESG)
  • IMPACT Investment Management
  • Holistic Financial Planning
  • Retirement Income Planning
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Socially Responsible Investors
  • Gen X & Millennials
  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations

Working Together

  • Flat Retainer Fee
  • Clearly Defined Fees
  • In-Office Meetings
  • Virtual Meetings
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Scott Arnold 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)
    Scott Arnold 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 Scott Arnold

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Office Locations:

  • 44 Cook Street
    Suite 100
    Denver, CO 80206

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