Who we are and why we are different

Many people believe that financial planning is only for the wealthy; the reality is most anyone can benefit from a well-crafted financial plan, regardless of age or income level. We believe that everyone deserves Competent, Trustworthy, and Affordable advice. We are Lodestar Financial Planning; a fee-only financial advisory practice located in beautiful Colorado Springs, Colorado.


Unlike most other fee-only firms, we don’t require you to have an investment account under our management.  Rather, we provide investment advice within a financial planning context.


As a fee-only practice we do not sell investment or insurance products, nor do we receive commissions or any compensation from third parties,  we simply charge for our time. Our plans are tailored to the needs of our clients and we do not impose a minimum fee for our advice.

Our services are accessible to people just starting on their financial journey, growing families, pre-retirees, do-it-yourselfers, and anyone in need of a one-time review, second opinion, periodic advice, or ongoing financial coaching.

Why Lodestar Financial Planning?


We have only your interests in mind and tailor our advice to your specific situation.

Fee Only

We clearly define our fees up front with no hidden charges or upsells.


We answer only to our clients - not to a sales department in a brokerage firm.

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Organize your finances at your convenience without having to search the internet for numbers on tax brackets, deductions, credits, Social Security, retirement plans, and more. Key Data is a quick resource that offers those figures in one “cheat sheet!”

Our Team

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Richard “Skip” Fleming is the founder of Lodestar Financial Planning, a financial planning practice providing hourly, as-needed financial planning and advice in Colorado.


Skip provides financial advice and coaching to individuals and their families from all walks of life. He does not set minimum income or net worth requirements to engage in his financial planning, investment consultation, or portfolio review services.


A graduate of Virginia Commonwealth University with a Bachelor of Science degree, Skip is a CERTIFIED FINANCIAL PLANNER™ professional. He has been in the financial services industry since 2002, following a 24-year career in the United States Marine Corps.

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David Fulton is a Fee-Only Financial Planner offering tailored financial planning strategies and cost-effective investment solutions. Based in Colorado Springs, Colorado, he proudly serves clients both locally and across the country.


While David works closely with a broad range of clients he specializes in active and retired military, Federal Employees, and Families with Special Needs.


A graduate of the United States Military Academy at West Point and Vanderbilt University’s Graduate Program in Economics. David is a Chartered Financial Consultant® having joined the financial service industry after a successful and rewarding 20-year career in the United States Army.


Our Fee Structure

Focused Planning

Focused Hourly Planning

$300 / hour

*price based on number of hours required

We believe you should only pay for the services you need. 


Sometimes you only need a little help solving a specific problem, or just want a second opinion.  


Or perhaps you need a full comprehensive financial plan to get your financial life on track, but are comfortable implementing the recommendations on your own.


For those who prefer to “do-it-your-self” we offer hourly services to help you plan for whatever level of service you need. Before we begin you will know exactly what it will cost you up front. 



  • Goal Setting
  • Personal Financial Summary 
  • Cash Flow Analysis
  • Emergency Funding
  • Debt Reduction
  • Retirement Needs and Savings
  • Investment Recommendations
  • Portfolio Construction
  • Insurance Needs Analysis
  • College Savings
  • Social Security / Medicare Optimization
  • Estate Planning
  • Tax Planning / Gifting
Garden of the Gods

Ongoing Financial Planning

$199 – $499 monthly

*price based on complexity

A stand-alone plan is only a snapshot in time; effective planning is a often a continuous process.  This service starts with a comprehensive financial plan and follows you through all your major life transitions. We’ll meet throughout the year and will be there for you whenever things change in between.


We find this service is best for clients who are concerned about changes in their life, who want a thinking partner who can help answer important questions whenever they arise, and who want someone who is responsive and present when facing tough decisions. 



  • Year 1: 4-6 meetings, on average to build out your custom plan and get you on track.
  •  Year 2+: 2 semi-annual reviews a year to update your overall financial objectives, track your progress, review your investment performance and, if necessary, reallocate your portfolio.

Financial Planning Case Studies

Case Study #1:

Growing Our Family

Jim: Aerospace Engineer

Janet: Teacher

Case Study #2:

Ready To Retire

Mark: Retired Military Officer and DoD Civilian Employee (GS-15)

Meagan: Nurse Practitioner

Case Study #3:

Special Needs Plan

Larry: Business Development Manager

Leeann: Stay at home mom

Contact Us

1880 Office Club Pointe, Suite 156, Colorado Springs, CO 80920

(719) 685-0600