Arete Financial Group

Financial planning for business owners who want to keep more of what they’ve built.

Arete Financial Group helps construction, trades, and energy business owners reduce lifetime tax exposure, prepare for transition, and turn business value into reliable retirement income.

We primarily serve households with $1M+ investable assets or $500K+ income.

You're here because...

If you’re a business owner, your biggest financial decisions aren’t in a brokerage account — they’re in your business and your tax return.
Common issues we help solve:

  • Paying more in taxes than necessary (now and later)

  • No clear plan for transitioning or selling the business

  • Retirement income that feels too market-dependent

  • Concentrated risk (business + real estate + market exposure)

  • A plan that isn’t coordinated with your CPA and attorney

team in a brainstorm session

What we do

Lifetime Tax Strategy (coordinated with your CPA)

We use forward-looking planning to help reduce lifetime tax liability through smarter sequencing, timing, and retirement plan design.

Exit & Transition Readiness

We help you prepare 3–7 years before a sale or transition so you understand what you’ll keep, how it impacts taxes, and what retirement looks like afterward.

Retirement Income Architecture

We build a retirement paycheck strategy designed for stability—coordinating investments, Social Security, and distribution sequencing.

arial view of a combine in a field

Who we serve

Built for business owners and industrial executives.
We’re a fit if you are:

A construction / trades / energy business owner planning for retirement or transition

A highly compensated executive with complex tax considerations

Seeking a planning-first relationship (not just investment management)

Not sure you’re a fit?
Book a 15-minute introduction and we’ll tell you quickly.

The Arete process

1- Clarify goals + business timeline

2- Organize financial picture (business, personal, benefits, tax return inputs)

3- Model scenarios (tax + exit + retirement income)

4- Implement with your CPA/attorney team

5- Review quarterly and adjust

Quick Note-

Arete Financial Group (Northern Colorado) is not affiliated with other similarly named firms.

OUR MISSION

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At Arete Financial Group, our mission is to empower individuals, families, and businesses to achieve financial success and prosperity. We are committed to providing exceptional wealth management services tailored to the unique goals and aspirations of our clients.

Our foundation is built on trust, integrity, and expertise. We strive to cultivate long-lasting relationships by delivering personalized financial strategies that are aligned with our clients' needs, values, and dreams. Through comprehensive financial planning, investment management, and risk mitigation, we guide our clients through every stage of their financial journey.

Ultimately, our success is measured by the accomplishments and financial well-being of our clients. By upholding the highest standards of professionalism and excellence, we strive to be the trusted partner our clients rely on to navigate their financial future and turn their aspirations into reality.

father and young son playing football

OUR VISION

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We envision a future where financial success is within reach for all who seek it and where our clients feel empowered and confident in their financial journey. Through personalized financial planning and a holistic approach to wealth management, we aim to help our clients achieve their unique financial goals, whether it's growing their wealth, preserving their assets, or leaving a lasting legacy.

family of four sitting on the dock by a lake