Why My Firm is Focused on Financial Planning for Women
Hi, I'm Michelle Francis. Early in my career, I experienced both a divorce and a layoff, which led to a long period of financial instability. To regain control, I had to educate myself about money and make smarter financial decisions for my future.
I learned firsthand how empowering it is to achieve financial independence—instead of staying financially uncertain.
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That’s why I’m passionate about helping women navigate financial transitions. I’m honored when clients share their life stories and allow me to guide them toward a more confident future. This work gives my life meaning—and that’s exactly what I want to help my clients find, too.
What to Know About Working with Me​
Fee-Only | Fiduciary | Fully Independent
I believe that open, honest conversations about life and money lead to greater financial confidence and well-being. That’s why I take the time to truly understand your unique story, values and goals—so we can create a plan that fits your life.
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As an independent, fee-only advisor, I’m not tied to a broker-dealer or insurance company. That means I work for you—not for commissions or sales quotas. My flexible pricing includes:
✔ Flat fees for financial planning
✔ Asset-based fees for investment management
✔ Hourly financial advice for one-time guidance
I work with clients virtually across the U.S. and in person in Metro Denver—wherever is convenient for you.
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Click here to learn more about my financial planning and investing packages designed around the financial chapter you're in.
Education & Professional Development
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​Bachelor of Science in Business Management – Regis University, Denver, CO
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NASAA Series 66 License – Registered in Colorado
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Enrolled in CFP® coursework – Tentative exam date: November 2025
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I’m passionate about lifelong learning and continuously invest in my education by:
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Taking advanced financial planning courses
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Attending industry conferences
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Participating in mastermind groups with top financial planners
Interesting Fact About My Family of Five
Two of my three children were born with Phenylketonuria (PKU), a rare inherited metabolic disorder that requires lifelong management through a highly restrictive diet and specialized medical foods.​
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Receiving this diagnosis was life-changing, but it has given me a deep understanding of the emotional and financial challenges that come with caring for a child with a chronic illness or special needs.
This experience has shaped how I guide families through financial planning for medical care, long-term expenses and future security.

Outside the Office
When I'm not working, you’ll find me exploring the outdoors with my husband, our energetic children and our Jack Russell terrier Nutmeg. I also love:
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Trying new restaurants
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Family-friendly vacations
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Volunteering in my community
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Reading psychological thrillers
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Teaching my kids about money
Recently, I helped my daughters develop a budget and savings plan for new pets. The result? We’re now the proud owners of a bearded dragon and two gerbils!