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Financial Planning Built Around Your Life
Hi, I’m Michelle Francis. Early in my career, I experienced both a divorce and a telecom layoff that left me financially vulnerable. To regain control, I educated myself about money and learned firsthand how empowering it can be to understand your finances and your options.
That experience led me to create Life Story Financial. Today, I help women and couples gain that same clarity and confidence as they build wealth, navigate life changes and prepare for retirement.
I bring financial planning, tax strategy and investment management together to help you understand your choices and make informed decisions about what comes next.
What to Know About Working with Me
Fee-Only | Fiduciary | Fully Independent
I believe financial planning is about more than numbers. 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.
My role is to bring the different pieces of your financial life together, help you understand your options and prioritize what needs attention, then support you in putting your plan into action.
As an independent, fee-only financial advisor, I’m not tied to a broker-dealer or insurance company. I’m compensated directly by my clients rather than through commissions or product sales.
My flexible pricing includes:
✔ Flat fees for comprehensive financial planning
✔ Asset-based fees for ongoing financial planning and investment management
✔ Hourly financial advice for one-time guidance
I work with clients virtually across the U.S. and in person in Metro Denver.
Explore Your Options
Learn more about my financial planning and investing packages, designed around the financial chapter you’re in.
Want to Verify My Background?
Review Life Story Financial’s Form ADV and my professional registration history.
Education & Professional Development
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Bachelor of Science in Business Management – Regis University, Denver, CO
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Series 66 – Registered Investment Adviser Representative in Colorado and Washington, D.C.
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Complete 12 continuing education credits annually, including coursework in ethics, professional responsibility, investment products and advisory practices
I’m committed to continuing education and staying current on financial planning strategies, investment practices and the evolving needs of my clients. Beyond my required continuing education, I regularly:
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Attend financial planning and investment industry conferences
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Take advanced financial planning courses
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Participate in professional study and mastermind groups with other financial planners
Financial Industry Involvement
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.
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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Taking 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 twins develop a budget and savings plan for new pets. The result? We’re now the proud owners of a bearded dragon and two gerbils!