What We Like About Transform Wealth


1. Independent, fee-only financial advisor

Transform Wealth is an independent, fee-only financial advisor that serves individuals, families, trusts, and business entities.

As a fee-only advisor, Carnick & Kubik’s sole focus is on its clients’ best interests. They do not accept commissions or kickbacks for recommending products.

Using a fee-only, independent, fiduciary advisor is a great way to ensure that you get a financial advisory firm that puts your interests ahead of its own.

Carnick & Kubik Review

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2. No-questions-asked guarantee

It is very rare to find a wealth advisor that offers a no-pressure and no-questions-asked guarantee to its clients.

However, that’s what you get with Transform Wealth.

A 100% refund will be made to any client who feels that the completed financial plan does not meet his/her expectations. If a client is not satisfied, that client will not be charged.

3. Fiduciary responsibility

Transform Wealth acts as a fiduciary to its clients.

Taking on a fiduciary role requires the firm to act in its clients’ best interest.

As a fiduciary, an advisor is required to set aside personal motives in favor of pursuing the best outcome for each client’s unique financial situation.

4. Diversity of services

Transform Wealth has developed a strong level of expertise and experience in delivering a wide range of services, including financial planning, consulting, and investment management services.

For clients looking for tax support, the firm also provides tax planning and consulting services.

5.  Established track record

For over 35 years, Craig Carnick, the founder of the original organization that has now grown to become Transform Wealth, has focused his attention on providing client-focused, comprehensive financial planning and investment advisory services.

This same professional dedication continues to guide the work of all the highly experienced and trained professionals at Transform Wealth.


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Transform Wealth Review – Team Members

1.Robert L. Campbell, CFP®
2.Craig E. Carnick, CFP®
3.Clarissa R. Hobson, CFP®
4.David J. Kubik, CPWA®
5.Nathan J. Kubik, CIMA®, CPWA®
6.William D. Moyer, CFA®
7.…. and many more

…Click here for the most updated info on the Transform Wealth team


Transform Wealth’s Services

Whether you are looking to create wealth, planning for retirement, living in retirement or looking to generate passive income, has a range of well-defined services that can help individuals and their families through various stages of their lives.

The firm also provides business consulting services for corporations, non-profit organizations, small businesses, professionals, and other entrepreneurs.

Transform Wealth’s services are broken down as follows:

Asset Management

  • Individually tailored financial planning recommendations
  • Investment strategies that are structured to minimize downside risk exposure
  • Structured portfolios for generating income, growth, capital preservation or a combination of them

Financial Planning

  • Comprehensive financial plans
  • Independent and objective financial services
  • Non-conflicted recommendations (fiduciary and fee-only)
  • Ongoing guidance to consider strategy adjustments
  • A financial planning process that comes with a 100% satisfaction guarantee

Tax & Estate Planning

  • Near-, mid-, and long-term tax and estate strategies
  • Coordination with clients’ accountants, brokers, attorneys, and insurance agents
  • Evaluate asset protection, tax reduction, wills, trusts, powers of attorney, and intergenerational and charitable planning possibilities

Business Consulting

  • Business valuations
  • Due diligence reviews
  • Initial entity structure and operational planning
  • Generational transfer, exit strategies, mergers, and acquisitions
  • Human resources
  • Benefits evaluation

Transform Wealth’s Address Information:

  • 675 Southpointe Court, Colorado Springs, CO, 80901
  • 1777 S. Harrison Street, Suite 1110, Denver, CO 80210

To Contact Transform Wealth:

Colorado Springs:

Denver:



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