You’ve Built Wealth. Now It’s Time to Make a Plan for What’s Next.

Helping professionals approaching retirement make smarter decisions about taxes, investments, and the wealth they’ve built.

You’ve Built Wealth. Now It’s Time to Make a Plan for What’s Next.

Helping professionals approaching retirement make smarter decisions about taxes, investments, and the wealth they’ve built.

Gabriel Motta

22+ years in financial services

Led by Gabriel Motta, CFP®, MBA

About Inclinevest

We provide long-term investors with fee-only, independent financial advice focused on our clients’ interests.

We’re paid directly by our clients and receive no commissions or fees from financial products, allowing us to provide objective advice without many of the conflicts common in traditional advisor relationships.

What Clients Say About Inclinevest

Posted on Google Google
Shane O'Connor
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My family has trusted our savings and resources with Gabe for over five years now, and it has been a great experience. He puts an emphasis on informing us up front about why a particular move or strategy is right for our situation and goals, and never makes us feel pressured about anything. Most importantly, the comfort we feel with him after five years is priceless. I am an attorney who bills by the hour, and with Gabe in charge of our money it saves me time, energy, and stress that I can devote to my family and my job.
Posted on Google Google
Tim Randall
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Not only is Gabe extremely knowledgeable and experienced with investment strategies, but he has also been very personable to talk to and attentive in understanding my investment goals. Any time I have had questions or required guidance, he's always quick to respond and with substantive information. Most importantly, I went from my savings and previous 401k sitting stagnant in bank accounts to seeing steady growth of my nest egg after only a few years since going with him and Inclinevest. With Gabe, I feel taken care of, confident, and worry-free that my investments are in good hands.
Posted on Google Google
Rhiannon Cooper
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have worked with Gabe for years now. He understands my personal financial risk boundaries, provides detailed information regarding all my options, and leaves me to decide which I prefer ultimately. He is detailed, thorough, and always willing to jump in with answers to questions at any time of the year...not just at our annual check in.
Posted on Google Google
Aaron Ma
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’ve been working with Gabe for two years now, and the transition in my financial life has been incredible. Before we met, I was stuck in a bit of a contradiction, my 401k was overly conservative with only minimum contributions, yet my overall wealth was heavily concentrated in company RSUs. I knew I wanted to invest more effectively, but I lacked the roadmap to balance that risk with a mature growth plan. From our very first conversations, Gabe clarified my questions and provided the strategy I needed to move forward with confidence. Our process started with a deep-dive session into my expenses and goals, which Gabe quickly translated into a comprehensive retirement plan. Since then, his ongoing management has been invaluable, especially his advice on optimizing my 401k and HSA for tax efficiency and growth. He also helped me diversify my brokerage account so I’m no longer hyper-concentrated in a single stock, creating a much more stable and intentional portfolio. What truly sets Gabe apart is his role as a fiduciary and an educator. He has coached me through my risk tolerance and helped me grasp counterintuitive concepts that were vital for my growth. He is incredibly adaptive to my changing life plans, and through our frequent catch-ups and yearly reviews, I always feel like my finances are in great hands. I can’t recommend him enough!
Posted on Google Google
MARK MARKLEY
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Gabe is a true fiduciary. Always available to discuss my goals and has proven his expertise to make my money work for me. I strongly recommend him to help you with your financial future!
Posted on Google Google
Jennifer Wilcox
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Gabe demonstrates a thorough understanding of financial planning principles and offers well‑reasoned guidance tailored to our long‑term objectives. His communication is clear, timely, and demonstrates Gabe's sincere commitment to client service. His guidance has significantly enhanced our financial clarity and preparedness for the future. I would confidently recommend Gabe's services to anyone seeking a knowledgeable and dependable financial planner.
Posted on Google Google
Jennifer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Gabe has been incredibly helpful managing and answering my financial questions. I absolutely recommend his services.
Posted on Google Google
Chad Smith
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I recently changed jobs and needed help figuring out what to do with my retirement accounts and how to start investing. Both my mom and sister recommended Gabe, and after meeting with him a few times, I understood why. Gabe is knowledgeable, responsive, and takes the time to explain everything in a way that’s easy to understand. I never felt rushed or pressured—he made sure I was comfortable and confident in every decision. I’ve since moved my retirement and investment accounts to him and feel great about that choice. What really stands out is how genuine he is. He’s not just focused on investments—he takes a real interest in your overall goals and is someone you can trust for both financial guidance and general advice. His office in the Denver Tech Center is also very convenient when I’m traveling through the area. Highly recommend Gabe if you’re looking for a trustworthy and easy-to-work-with financial advisor.
Posted on Google Google
Patricia Perry
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mr Motta is knowledgeable, transparent, and thorough. He is a fiduciary, which makes a difference to me. He is ever approachable. I am a semi retired physician. He reviewed my entire financial picture in person and I have access to all information. Thanks to Gabe, I am doing well and on a good path to my long term goals! I am very happy with Gabe’s work.
Posted on Google Google
Littleton Geek
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have been working with Inclinevest for the past 6 years and highly recommend Gabe Motta to anyone seeking a trustworthy and knowledgeable financial advisor. My first criterion for selecting an advisor was to ensure they are a fiduciary that would only act in my best interest. The second was to find someone who was fee based rather than commission. This search led me to Gabe at Inclinevest and from the very beginning, he took time to understand my financial goals, analyzed my current situation and created a plan to meet my objectives. His plan allowed me to retire 2 years ahead of my stated goal. I found his advice on pension payment options, tax strategies and maximizing Social Security benefits invaluable. Gabe’s ability to analyze market conditions, formulate an investment strategy and produce a retirement income stream far exceeded what I would have been able to accomplish on my own. His advice is clear, concise and easy to understand. What sets Inclinevest apart is their genuine care for their clients. Gabe is immediately available whenever I have a question. He is proactive with regular check-ins to determine if there are any changes in my life and he frequently provides updates during market fluctuations. I’m my opinion, anyone seeking advice for retirement planning or investment strategies should consider Inclinevest. Their professionalism, integrity, and commitment to their clients' success make them an exceptional choice. I also find their new DTC office in Greenwood village very convenient and accessible.

How We Help

Retirement planning, tax strategies, and investment management designed around your goals.

Know When You Can Retire

Create a clear retirement roadmap so you know when you can step away with confidence.

Reduce Your Taxes

Identify opportunities to lower lifetime taxes through proactive planning.

Make Your Money Last

Build a withdrawal strategy to support your lifestyle throughout retirement.

Invest With Confidence

A disciplined investment approach built around your goals and risk tolerance.

Create Retirement Income

Turn your savings into a reliable income strategy that supports the life you want.

Avoid Costly Mistakes

Make informed decisions around Social Security, Medicare, taxes, and retirement planning.

Who We Serve

Who We Work With

We work with successful professionals, business owners, and retirees who have built wealth and want coordinated guidance around investments, taxes, retirement income, and long-term wealth planning. Our clients typically prefer to delegate the day-to-day complexity of managing their wealth to a trusted advisor rather than manage it all themselves.

 

Successful Professionals Approaching Retirement

$1M+ invested assets, high income, complicated tax situations, 5–15 years from retirement. Transitioning from accumulation to tax-efficient income and long-term wealth management.

Recently Retired & Newly Wealthy

You want clarity on when you can retire, how much you can safely spend, and how to turn a complex portfolio into a reliable, tax-efficient income stream, with a confidence score so you know exactly where you stand.

Executives & Business Owners

Equity compensation, concentrated positions, business interests, and significant accumulated wealth.

Wealth Transitions and Inheritances

You're navigating a major financial event and want a plan to protect and steward your assets.

High Earners Building Toward Retirement

You have significant income and growing assets, and you want to optimize taxes, build wealth efficiently, and make the right moves before the biggest decisions hit. You want a fee-only fiduciary who sits on your side of the table, not someone selling products.

Services

Retirement Questions We Help Answer

Clear guidance for the decisions that matter most before and during retirement.

?

When Can I Retire?

?

How Do I Create Income From My Portfolio?

?

What If I Have Unexpected Health or Long-Term Care Needs?

?

When Should I Take Social Security?

?

Am I Invested The Right Way?

?

What If We Go Through Another Market Crash?

Modern Planning & Investment Services

A comprehensive, fiduciary approach built around retirement success

Our Planning Approach

Wealth Management

Ongoing advice, investment management, and financial planning designed around your retirement goals.

Who's it for?

People who want ongoing advice and prefer a professional to manage their investments while receiving comprehensive financial planning support.

Scheduled in-person or video meetings per year

Unlimited support via phone and email, with additional meetings as needed

Ongoing retirement plan monitoring with alerts when adjustments are needed

Comprehensive guidance across 16 key financial planning areas

Detailed, ongoing investment analysis

Tax-minimization strategies implemented for you, including tax-loss harvesting and asset location

Custom-tailored, professionally managed portfolio aligned with your plan

One relationship for all your financial needs, without calling multiple providers

✓ Stay on track with your goals

✓ Peace of mind knowing your financial life is being actively managed

✓ Same-Day Response

Calls and texts received before noon MST will be returned by the end of the business day. Emails are returned within one business day.

The RetireWell Process™

We follow a structured process designed to bring clarity, reduce uncertainty, and support confident financial decisions at every stage.

01

Step 01

Free 15-Minute Call

We get to know your situation, answer your questions, and make sure we're a good fit.

02

Step 02

Discovery

We take a deep dive into your finances, goals, tax situation, and retirement timeline.

03

Step 03

Your Plan

We build a clear, integrated strategy covering income, investments, and taxes, tailored to you.

04

Step 04

Implementation

We put the plan into action and coordinate every moving part.

05

Step 05

Ongoing Guidance

We review, adjust, and evolve your plan as your life and goals change.

Sophisticated Investment Management Infrastructure

Your portfolio is built around your financial plan, not a proprietary product lineup. As an independent, fee only advisor, we use an open architecture platform that gives us access to a broad range of ETFs, mutual funds, stocks, and other investments. This allows us to select investments based on what we believe is most appropriate for your goals, risk tolerance, time horizon, and tax situation. Assets are custodied at Charles Schwab Inc.

Item 2
Custodial & Brokerage Platform
Item 1
Index & Core Investment Strategies
Item 3
iShares ETFs & Aladdin Risk Technology
Item 4
Active Public Market Strategies
Item 5
Fixed Income & Bond Strategies
Item 6
Research & Analytics
Item 7
Financial Planning & Projections
Item 8
Investment Strategies

12 Steps to Build a Clear, Tax-Efficient Retirement Plan.

A Practical Checklist for Turning Your Retirement Savings Into Long-Term Income and Confidence

Gabriel Motta CFP MBA | flat-fee advisor

A note from Gabe

You Worked Hard to Build Your Wealth. Make Sure It Supports the Life You Want.

Many people approaching retirement have the same questions: When can I retire? How much can I spend? Am I investing the right way? And how do I make sure I don't make a costly mistake?

Unfortunately, even small financial decisions made at the wrong time can create significant setbacks. Tax mistakes, poor withdrawal strategies, or an investment plan that doesn't match your goals can impact your financial future.

Through our RetireWell Process™, we help you organize the moving pieces, make confident decisions, and create a clear path toward the retirement you've worked so hard to achieve.

Have Questions About Your Financial Future?

Whether you’re exploring options or simply want a second perspective, we’re here to help. Conversations are thoughtful, confidential, and focused on what matters most to you.

No obligation. Just a conversation.

Why Choose One Wealth Manager Over Another?

Comparing financial advisors? Learn what actually matters beyond firm size, investment performance, and awards.

How to Choose a Financial Advisor or Wealth Manager →

Insights

Physician Retirement Planning: A Financial Guide for Doctors 5–15 Years From Retirement

Physician retirement planning becomes increasingly important during the final 5–15 years of a medical career. After decades of earning and ...

Colorado Tax Increase 2026: What Retirees and High Earners Should Know

A possible Colorado tax increase 2026 ballot outcome could become one of the most important tax planning issues for high-income ...

How to Choose a Wealth Manager or Financial Advisor | What to Look For

Prospective clients commonly ask me what separates me from the rest and why they should choose me over another financial ...

Everyone Hates Bonds Until They Need Them

Bonds in retirement are one of the most underappreciated parts of a well constructed financial plan, and they tend to ...

High Net Worth Retirement Investing: The Complete Guide

Once a household has $2 million, $5 million, $10 million or more in investable assets spread across multiple account types, ...

Retiring in Colorado? 10 Costly Mistakes to Avoid in Your First Year

Retiring in Colorado is an attractive proposition. You get abundant sunshine, four distinct seasons, outdoor recreation, access to major healthcare ...

Professional Affiliations