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We All Have A Story: Here's Mine

About

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.

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.

Financial advisor Michelle Francis

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.

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.

🎓 Education & Professional Development

  • ​Bachelor of Science in Business Management – Regis University, Denver, CO

  • NASAA Series 66 License – Registered in Colorado

  • Enrolled in CFP® coursework – Tentative exam date: November 2025

I’m passionate about lifelong learning and continuously invest in my education by:

  • Taking advanced financial planning courses

  • Attending industry conferences

  • Participating in mastermind groups with top financial planners

🤝 Industry & Community Involvement

National Association of Personal Financial Advisors logo
XY Planning Network logo
AdvisorFinder logo
Wealthtender logo
She Leads Group logo

SHE Leads Group

Arvada Chapter Member

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15-Year Member and

Former Board Member

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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.

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💡How I Spend My Free Time

Outside of work, you’ll find me exploring the outdoors with my husband, our energetic children and our Jack Russell terrier Nutmeg. I also love:

  • Trying new restaurants

  • Family-friendly vacations

  • Volunteering in my community

  • Reading psychological thrillers

  • 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!

Get Started

Schedule a free, no-pressure call to learn more about Life Story Financial's financial planning and investment management approach.

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