Retire on your terms

Design your perfect retirement with a financial plan that reflects your values.

Do you want custom financial guidance with transparent pricing?

Are you looking for a fiduciary financial planner?

Would you like the option to pay a fixed, flat price for investment management?

Are you trying to avoid financial advisors who sell insurance products like life insurance and annuities?

Are you looking for candid investment advice without confusing product pushing?

Do you know exactly how aggressive or conservative you are invested in your retirement accounts?

Are you confident you understand every single piece of your retirement puzzle?

The way we see it, you deserve to retire on your terms without confusing pricing or sales pitches.

Here’s what you get with any of our flat-price financial planning experiences


Get lifelong financial clarity and actionable retirement guidance.


Avoid common financial missteps and protect your wealth.


Know for sure you can afford your perfect retirement – and assure your spouse you're on the right track!


Your best interest is always our best interest.

When you work with Ten Talents, you work with Kaleb Paddock, a CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional and fiduciary based in Parker, CO and also serving clients virtually from Denver to Atlanta to San Francisco.

Kaleb delivers actionable retirement guidance for a flat price. He doesn't require you to buy investment management services and doesn't sell financial products with hidden fees.

Kaleb believes financial planning pricing for clients should be what's fair, and not what a company can get away with.

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All the guidance. None of the pressure.

Get custom financial planning for a flat price and never have to worry about being pitched life insurance or annuity products.

Refreshing, right?

At Ten Talents, you’re in control. After a brief discovery call, you decide if we’re a good fit. If you choose to move forward, we’ll help you create an actionable plan for your perfect retirement.

Are you ready to design your great retirement adventure?

Click the button below to book a discovery call today!