# Headwaters Financial Planning, LLC

> Headwaters Financial Planning, LLC is a state-registered investment advisory firm in Granby, CO, registered since 2024, reporting under $25 million in regulatory assets under management in its Form ADV filing dated February 24, 2025.

- CRD: 330133
- Filed as: HEADWATERS FINANCIAL PLANNING, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Granby, CO
- Filing period: October 2026
- Form ADV filing dated: February 24, 2025
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/330133
- AdvisorCensus page: https://advisorcensus.com/firm/headwaters-financial-planning-llc-granby-co-330133

## Quick answers

**How is Headwaters Financial Planning, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Headwaters Financial Planning, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges. The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Headwaters Financial Planning, LLC located?**
Headwaters Financial Planning, LLC's principal office is in Granby, CO, according to its Form ADV.

**Is Headwaters Financial Planning, LLC registered with the SEC or a state?**
Headwaters Financial Planning, LLC is a state-registered investment advisory firm, registered since 2024. Status as filed: APPROVED. CRD 330133.

**How much does Headwaters Financial Planning, LLC manage?**
Headwaters Financial Planning, LLC reports $900,000 in regulatory assets under management in its Form ADV filing dated February 24, 2025 (100% discretionary).

**What types of clients does Headwaters Financial Planning, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (8).

**Does Headwaters Financial Planning, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/330133

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Regulatory assets under management (Item 5.F)
- Total: $900,000
- Discretionary: $900,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 8 | $900,000 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2024 (2 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- headwatersfinancialadvisor.com

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Headwaters Financial Planning, LLC (CRD 330133): Form ADV filing data as of October 2026.