Winding Trail Financial Planning, LLC

Winding Trail Financial Planning is a fee-only financial planning firm based in Lafayette, Colorado, serving retirees and small business owners who want more than just investment management.

We specialize in tax-aware financial planning—helping clients make smarter decisions around retirement income, business structure, and long-term wealth strategies. Our approach integrates tax planning, investment management, and cash flow into a cohesive strategy designed to reduce lifetime taxes and improve financial clarity.

Many of our clients are business owners, pre-retirees, or recently retired households who want a proactive advisor that looks around corners—not just reacts at tax time.

As a NAPFA-registered, fee-only fiduciary firm, we do not sell products or earn commissions. Advice is objective, transparent, and aligned with your goals.

We aim to serve as a long-term partner—helping clients simplify complexity, make confident decisions, and stay on track throughout retirement.

• Tax planning and proactive tax strategy
• Retirement income planning and distribution strategies
• Financial planning for small business owners and S-Corp optimization
• Investment management integrated with tax efficiency
• Cash flow and balance sheet planning
• Pre-retirement and early retirement planning
• Coordination with CPAs and attorneys
• Ongoing comprehensive financial planning (not one-time plans)

Our process emphasizes forward-looking planning—identifying opportunities before year-end and aligning financial decisions with long-term tax outcomes.