Steve Cruice


Three Points Financial

Co-Owner and Lead Advisor

Steve Cruice


Three Points Financial

Co-Owner and Lead Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Steve Cruice, CPA, CFP®

Fee-Only, Tax Focused Financial Planning - Serving the Denver Metro, Monument, Colorado Springs, Castle Rock and Parker Areas with Two Convenient Locations and Virtually Across the Country

Steve Cruice is a Colorado Springs and Denver, CO fee-only financial planner. Three Points Financial provides comprehensive financial planninginvestment management, and tax planning to help clients strategize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Steve Cruice will never be paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Steve Cruice, CPA, CFP® is a co-owner and Lead Advisor at Three Points Financial, Inc. He ran an independent, fee-only planning firm Simply Steward, LLC from 2017 to 2021. From 2008 to 2017, he worked in various roles within the financial industry as a CPA. He is a member of the National Association of Personal Financial Advisors (NAPFA) and the Alliance of Comprehensive Planners (ACP). He’s always had a passion for helping people with their personal finances. As an accountant, he was approached frequently by people with tax or personal finance questions and found helping people get answers to their financial questions was something he loved. Ultimately, this love for helping people simplify their financial life is what led him to a career as a  tax-focused, comprehensive, fee-only financial planner.

Steve Cruice 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.

Three Points Financial
Fee-Only, Tax Focused Financial Planning
Serving Monument, Colorado Springs, Castle Rock and Parker

Three Points Financial's mission is "To identify and implement steps towards your definition of  “FINANCIAL INDEPENDENCE” while protecting and growing your wealth."

Who We Serve

Professional Couples who are saving for retirement and want the assurance they are financially on track. They want professional unbiased advice and specific action plans involving taxes, investment management, retirement planning and education savings. Often their goal is to reach “financial independence” where they can confidently choose options such as scaling back work life, beginning a new business, retirement, philanthropic opportunities, or other interests.

Clients Nearing or in Retirement who have worked and saved for years and have important decisions to make: How many more years, if any, do they want or need to work? What are their plans for the next stage of life? What matters most and at what level can they live without worrying about running out of money? They want clear fiduciary direction and financial advice on investing their hard earned assets to protect and grow their wealth.

Business Owners who want guidance on business deductions, tax savings opportunities and how their business affects their personal cash flow. They are looking for comprehensive financial advice regarding personal financial planning, business planning and retirement plan options.

Women, Including Widows who are looking for unbiased financial advice on how to preserve investments and move towards secure retirement. They want trusted advice on taxes, investments and how much to save and spend today and in the future. They may want real estate or other assets evaluated to determine their impact on their financial future. They may be launching a second career and want advice on how long to work before retirement.

Those wanting a one meeting review of their financial situation can take advantage of our AFP Financial TuneUp. This meeting provides detailed analysis of common subjects of financial planning. Often these are younger clients who leave the meeting with clear goals and action items.

Comprehensive Fiduciary Financial Planning

Our clients are looking for solid, unbiased financial advice and a plan that makes sense. They want peace of mind and a trusted fiduciary advisor to help implement steps towards financial health. This is what you can expect fromThree Points Financial: “Financial Planning for Life.”

Investment Management

Investment decisions can be counter productive if not in sync with a long term plan. Making good investment decisions includes taking into account your age, short and long term goals, net worth, tax bracket, cash flow needs, the risk and structure of investments, tax advantages and disadvantages, the cost of investments and many other factors. Building a solid portfolio that benefits from market upswings, weathers downswings and provides needed liquidity and growth is individually specific.

Addressing these complexities from a Fee-Only (Fiduciary) perspective puts us in the best position to give recommendations that put our clients’ interests first. Learn More

Tax Planning

While you must pay legally owed taxes, there are smart tax strategies that can help you avoid the mistake of overpaying taxes. The IRS estimates that more than one billion dollars is overpaid in taxes each year. With tax laws changing every year, wouldn’t you rather see those funds in your bank account or put aside for other financial goals?

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


  • Comprehensive Financial Planning
  • Tax Planning
  • Investment Management
  • Small Business Planning
  • Retirement Income Planning

Ideal Clients

  • Business Owners and Executives
  • Stewardship Mindset
  • Transitioning to Retirement

Working Together

  • Complimentary Initial Consultation
  • No Investable Asset Minimums
  • No Product Sales
  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Steve Cruice 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)
    Steve Cruice 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.

  • Alliance of Comprehensive Planners
    Steve Cruice is a Member of the Alliance of Comprehensive Planners (ACP)

    Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.

Contact Steve Cruice

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Office Locations:

  • 15455 Gleneagle Drive
    Suite 205
    Colorado Springs, CO 80921
  • 7350 E Progress Place
    Suite 100
    Greenwood Village, CO 80111

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