Fee-only Planning
Personal Tax Preparation
Kingdom Impact
True Riches is an all-in-one, implemented solution to financial planning. We own the entire financial process from start to finish for our clients, ensuring that the weight is off and plans are built on the best advice.
How I Serve You and Your Family
As an independent, fee-only financial planning practice in Denver, Colorado, I help Christian families unlock their finances by bringing every decision under one clear, faith-aligned framework.
Holistic Financial Planning
Investment Management
Tax Planning and Preparation
Equity Compensation, Concentrated Stock, and Benefits Planning
Estate and Legacy Planning
Charitable Giving Planning
Retirement Planning
Education Planning
About the Founder
Zack Gutches is a CFP®, CPA, and has a contagious passion for personal finance. After working as a CPA and Lead Advisor for 8 years at fast-growing AUM firms, he began searching for a flat-fee practice grounded in biblical principles, but it didn't exist. So Zack felt called to build it, and True Riches was born.
When he's not planning, he's spending quality time with friends and family, playing sports and games, cooking a gourmet meal, or spending time outside in sunny Colorado.
Mission and Core Values
True Riches' mission is to help Christian families transform worldly wealth to True Riches. Money is simply a finite tool, but when put on mission in partnership with God's calling, it has profound, eternal impact.
We believe that with an excellent plan, Christian families can be more effective in building the kingdom, less stressed over financial outcomes, and more like Christ.
Authenticity
Zack is approachable, honest, fully transparent, and personable
Excellence
Zack is a certifiable financial planning NERD, leads with technical excellence, and is committed to lifelong learning and growth, both professionally and personally
Trustworthy
Zack communicates clearly and has been told he has the "golden-retriever" loyal personality
Purposeful
Zack truly feels a deep sense of purpose and calling from the LORD in his vocation, and he absolutely loves using his God-given gifts to serve others (1 Peter 4:10-11).
The True Riches Process
True Riches gets you to your goals through a simple, effective, and proven four-step ongoing process. Here's what you can expect when you become a client:
Full Picture View
Get clarity with a unified Plan, consolidated accounts, and streamlined tracking.
Clear Direction
Identify stewardship priorities, collaborate on joint goals and values, and set the compass.
Ongoing Guidance
Proactively adjust through life's twists and turns — job changes, home relocations, kids growing up. We'll be here every step of the way.
Use Your Wealth for Good
Personal finance is about aligning what you've been given with your convictions. We'll put your money to work toward what's most important.
Christian Financial Planning to Invest, Give, and Live Abundantly.
Reach out for a complimentary "good fit" consultation.
