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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; an advice-only financial advisory practice located in Colorado Springs, Colorado.

Unlike most other fee-only firms, we don’t require you to have assets under our management or require you to have a certain amount of assets before we will provide planning and investment advice.  Rather, we provide expert investment advice to anyone who wants counsel – no matter the amount of assets. This makes us unique among most other financial advisors out there.

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.

Discover why people across the country, from those just starting out to those with complex situations, get their financial advice from Lodestar Financial Planning. We are fee-only, but different.


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.

Download your FREE copy of the "2023 Key Financial Data" today

The 2023 Key Financial Data reference guide puts many important financial numbers right at your fingertips—in a simple graphic format.

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

Fleming Head Shot1a Square


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.

David Fulton, CFP


David Fulton is a Fee-Only Financial Planner 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. David also has experience as a Chief Financial Officer working with entrepreneurs and small business.


A graduate of the United States Military Academy at West Point and Vanderbilt University’s Graduate Program in Economics. David is a CERTIFIED FINANCIAL PLANNER™ professional and 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

Hourly Planning

$360 / hour

*Total price based on number of hours required

You can do it yourself; but you don't have to go it alone!

What is Hourly Planning?

When we say hourly planners, we mean we charge you an hourly rate based on the amount of time it will take us to deliver your plan, and not based on how many assets you own or financial products you may buy.


The benefit is you get more assurance that our hourly advice comes with a fiduciary oath  because we receive no commissions, referral fees, or any other hidden fees.


Most fee-only firms require you to pay asset management fees as their form of compensation. We chose to be different. Whether you have a net worth of $1,000 or $10 million, you get access to the same high level of service and expert planning advice.

Estimating Your Cost

After our “Get Acquainted” meeting we will provide you an exact quote for how many hours we think your plan will take. Your quote will be based on how complex your situation is.

For example, a young married couple starting their careers will likely require fewer hours than an executive with complex stock options and detailed tax planning while a soon to be retiree has different planning needs than someone still in the accumulation phase.


Most of the client’s we serve require between 10-15 hours to complete our planning process.

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

7035 Campus Drive, Suite 907, Colorado Springs, CO 80920

(719) 685-0600