About Unify Wealth Management

A small, deliberate firm — built for the long horizon. Yours.

Three firms under one roof in Fort Collins, Colorado. One conversation about your money instead of three.

Why we started a wealth management firm.

For more than thirty years our CPA practice watched clients leave annual tax meetings with a written plan, walk down the street to a financial advisor, and come back two weeks later with a portfolio that completely undid the tax strategy we'd just built. Roth contributions in the wrong account. Bonds in taxable. Concentrated stock positions in the worst possible bracket year.

Not because their advisor was bad. Because their advisor had no idea what we'd recommended — and had no incentive to find out. The professionals working on your money simply didn't talk to each other.

“Three professionals, three appointments, and the client became the messenger between people who never actually met. We thought there had to be a better way.”

— David Fry, Founder & Principal

Unify Wealth Management is that better way. We launched the wealth management arm in 2015 — but the practice it grew out of has been running since 1993. We're a fee-only Registered Investment Advisor in Fort Collins, sitting twenty feet down the hall from Unify CPA and Unify Payroll. The same people who file your tax return are designing your investment portfolio. The same people running your payroll are funding your 401(k) account. One conversation. One coordinated plan.

We're a small, deliberate firm — by design. We don't want to be the biggest advisor in Northern Colorado. We want to be the most thorough one for the right hundred-or-so families and businesses we work with.

David Fry

Founder & PrincipalUnify Wealth Management

The people you'll work with

Three colleagues. Three decades of working together.

When you call our office, one of these three picks up. No call centers. No relationship managers you've never met.

Since 1993 · Founder

David Fry

Principal · CPA · Investment Adviser Representative

Started Unify CPA in 1993 and has spent three decades helping Northern Colorado business owners and families build long-term wealth through the tax code, not around it.

CPASeries 65 · IAR32 yrs

Since 1999 · Partner

Stephanie Kimak

Partner · CPA · Investment Adviser Representative

Joined the practice in 1999 and has been running tax strategy and investment advisory for individuals and closely-held businesses ever since. Quiet, surgical, and famously hard to surprise.

CPASeries 65 · IAR26 yrs

Since 2002 · Integration

Andy Hairgrove

Account Manager · Client Integration

The connective tissue between CPA, Payroll, and Wealth Management. If David and Stephanie are designing the strategy, Andy is the one making sure it actually happens — paperwork, transitions, follow-through.

23 yrs

What we believe

Six convictions that shape every recommendation we make.

№ 01

The fee structure determines the advice.

An advisor paid by commission will recommend products with commissions. An advisor paid by you will recommend what's best for you. There is no third option.

№ 02

Costs compound — both ways.

A 1% expense ratio difference, compounded over thirty years, is roughly a third of your retirement nest egg. We use sub-0.10% index funds for a reason.

№ 03

Tax management is the quietest alpha.

Asset location, loss harvesting, and Roth conversions are worth more than any “stock pick” we could make. They just don’t make for exciting newsletters.

№ 04

Behavior beats strategy.

The single best portfolio strategy fails if the client sells in March 2020. Our most important job is keeping you in your seat — not picking the next winner.

№ 05

Coordination beats specialization.

The CPA, the payroll team, and the investment advisor all making decisions in isolation is the dumbest version of the system. We’re trying to fix that.

№ 06

Small & deliberate beats big & busy.

We won’t take more clients than the team can know personally. That’s a feature, not a limitation. Some people need the AUM count; we don’t.

Where we work

One office. Old Town Fort Collins.

All three firms — CPA, Payroll, and Wealth Management — work out of the same building at 185 N. College Avenue, in the heart of Old Town. Clients meet us here. The professionals on your account walk down the same hallway to talk about your file.

It's a deliberately small operation in a deliberately specific place. We've been here a long time and we're not going anywhere.

Address

185 North College Avenue
Fort Collins, CO 80524

Hours

Mon–Fri
9am – 4pm MT

Service area

Based in Fort Collins. Working across Colorado.

Most clients are in Northern Colorado and meet with us in Old Town a few times a year. We also work with clients across the Front Range and remotely throughout the state — phone, video, secure document portal — wherever you are.

The Unify Family

Three firms. One office. One coordinated plan.

All three businesses live at 185 N. College Avenue. The owners share clients, conversations, and a long-standing belief that financial professionals should actually talk to each other.

Unify CPA

unifycpa.com

Tax preparation, bookkeeping, and advisory services for Northern Colorado small business owners. Founded 1993.

Visit unifycpa.com

Unify Payroll

unifypayroll.com

Full-service payroll, HR, time tracking, and benefits administration for Colorado employers. Founded 2010.

Visit unifypayroll.com

Unify Wealth Management

unifywm.com

Fee-only fiduciary investment management, 401(k) plan design, and retirement planning. Founded 2015.

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Curious whether we'd be a fit?

Book a 30-minute call. No agenda, no pitch — just an honest conversation about whether what we do matches what you need.

Book a Free Call 970.484.9655