About EP Wealth Advisors: it's a wealth management firm for small-business owners whose wealth is tied up in the company and who are thinking about succession or a sale. The firm's position is family and legacy, meaning plans that include children, aging parents and what is left behind.
A first year with EP Wealth Advisors usually starts with a call and a pile of documents. A few months later you hold a written plan with numbers in it, and the sale or handoff gets scheduled around that plan instead of the other way around. The rest of this page explains who the firm is and why it works this way.
What EP Wealth Advisors does for owners whose company is most of their net worth
Picture the owner of a 25-year-old distribution company. The business is worth far more than her brokerage accounts, her son wants to run it, and her mother needs help with bills she has never seen. EP Wealth Advisors wealth management starts from a picture like that one.
The firm builds one plan around the company, the personal accounts and the relatives who depend on both. Retirement income, investing and legacy sit in the same document. Before anything is sold, moved or retitled, the advisors estimate the tax bill, because a surprise in April hurts more than a slow week in March.
Owners who already know a buyer's name are welcome. So are owners who only know they'd like to stop working at 65 and haven't decided who gets the keys.
Eight services, each tied to a moment in an owner's life
Each service answers a question that tends to come up in a particular month of an owner's life. EP Wealth Advisors advisors rarely work on just one of them, since a sale touches taxes, investments, the estate and the family at once. Here is what each one covers.
- Business succession planning: who takes over, on what terms, and how the price gets paid, whether the next owner is a child, a partner or a key employee.
- Business sale tax planning: what a buyer's offer leaves after tax, and which deal terms move that number.
- Estate planning for business owners: how company shares, insurance and personal assets reach heirs, and what happens if the owner dies before the sale closes.
- Retirement income planning: turning a sale check and savings into a monthly paycheck, and deciding which account pays first.
- Investing sale proceeds: moving a lump sum out of one concentrated asset, your company, into a diversified portfolio on a schedule.
- Planning for aging parents: pricing care, deciding who handles the paperwork, and keeping a parent's needs from draining your own retirement.
- Cash balance pension plans: a pension-style plan that lets a profitable owner set aside more each year than the $72,000 combined limit on a 401(k) in tax year 2026.
- Charitable giving strategies: gifting shares or sale proceeds to a cause you care about, timed to the year of the sale.
How does a first year of working together go?
A first year follows four stages: a first conversation, a written plan, the work itself and regular reviews. Each stage ends with something you can hold in your hands. EP Wealth Advisors explains its fees in a written document before any agreement is signed.
Look at the second row: nothing gets changed until the plan exists. You get the diagnosis first, and the moves come after.
Say a buyer's letter of intent lands in month three. The schedule compresses, the tax estimates move up, and the plan gets rewritten around the deal. That happens often, and the process allows for it.
You can live in any state. Meetings happen on video or over the phone, and the office is at 1844 Folsom Street, Boulder, CO 80302.
| Stage | What happens | What you receive |
|---|---|---|
| Month 1 | Intro call, then you send documents | A short list of papers to gather |
| Months 2-3 | Company, accounts and family needs reviewed | A written plan with numbers |
| Months 4-6 | Accounts opened, titles changed, tax estimated | A confirmation for each action |
| Months 7-12 | Reviews by video or phone | A summary after every review |
Things we leave out: product pushing and promised returns
EP Wealth Advisors doesn't sell a product to fill a quota, and nobody there can tell you what a portfolio will earn. Investing involves risk, including loss of principal, and a sale year doesn't make that risk smaller.
Here is where the line sits in practice.
One more limit: contracts belong to your attorney and the tax return to your CPA. We bring the numbers to those conversations, but we don't replace the people who sign the documents.
- No guaranteed or projected returns for any portfolio.
- No fund, annuity or insurance policy suggested without an estimate of what switching costs in taxes.
- No push to sell your company before you're ready.
EP Wealth Advisors: common questions
What is EP Wealth Advisors?
EP Wealth Advisors is a wealth management firm for small-business owners whose wealth is tied up in the company and who are thinking about succession or a sale. It plans for the owner, the business and the family together, including children, aging parents and what is left behind.
Who does EP Wealth Advisors serve?
The firm serves owners with a company that makes up most of their net worth and at least $500K of investable money, in any state. Many are within a few years of handing the business to a child, a partner or a buyer.
Do I have to live in Colorado to work with the firm?
No. Meetings happen on video or over the phone, so you can live in any state. The firm's office is at 1844 Folsom Street, Boulder, CO 80302, United States. A phone number isn't published, so the request form is the way to start.
How much does it cost to work with the firm?
The firm doesn't publish its fees on this site. It explains them in a written document before any agreement is signed, so you can read the numbers at your own pace and ask questions about them first.
Who gets the most from this firm, with a hypothetical sale
The starting point is $500K of investable money, plus a company that makes up most of your net worth. The best fit is an owner a year or two from a handoff who has children or parents in the picture. If closing is weeks away, help is still possible, but fewer tax choices are left.
Here is how the family-first position changes a recommendation. Dana, a hypothetical 61-year-old, sells her HVAC company and keeps about $3,000,000 after tax (for illustration; the real figure depends on the deal). Her mother, 84, needs care costing $6,000 a month.
A generic plan puts all $3,000,000 into one portfolio and draws for Dana. Ours sets aside the care first: $6,000 times 12 months times 5 years is $360,000, or 12% of the proceeds. The remaining $2,640,000 is invested for Dana's retirement.
Dana's son worked in the business and her daughter didn't. With a sale, that gap can be settled in numbers. Dana and her attorney can then write the will so both children are treated the way she intends.