Personal Loan
Fund a move, a repair or a milestone with one fixed payment. We compare lenders, rates and fees side by side so the loan fits your monthly cash flow, not the other way around.
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Boulder money advisors
Find the source that funds your next move.
Next Money Source helps Colorado families, freelancers and business owners borrow smarter, invest with purpose, pay less tax and protect what they've built, all from one plan.
- Personal, credit and mortgage loans compared for true cost
- Investment, retirement and tax planning that work together
- Insurance reviews that protect your income and assets
SourceIncome, savings & credit
DestinationYour next big goal
Earned money
Paychecks, side gigs and business income, organized so more of it stays with you.
Borrowed money
Loans and credit used on purpose, at the lowest true cost we can find.
Invested money
Savings put to work in a mix that matches your goals and timeline.
Protected money
Coverage that keeps one bad day from draining what you've built.
About Next Money Source
Every goal needs a source. We help you find it.
We opened on Mapleton Avenue with a simple belief: people make better money decisions when they can see all of their money in one place.
Today our advisors, loan specialists, tax preparers and insurance planners work as one team. Whether you need a loan, a retirement plan or a second opinion, we look at your income, debt, investments, taxes and coverage together, then recommend the next move that helps most.
- Independent, fee-disclosed advice
- Licensed loan and insurance pros
- CFP and CPA professionals
- Free first consultation
Our services
Six ways we help your money flow
Start with the service you need today. We connect it to the rest of your plan so every decision pulls in the same direction.
Credit Loan
Turn scattered card balances into one lower-rate loan or a planned credit line. We map your payoff date, protect your score and help you stop the balances from coming back.
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Mortgage Loan
Buy your first home in Boulder County, move up or refinance. We explain loan types, points and closing costs in plain language and keep your down payment plan on schedule.
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Wealth and Investment Planning
Build a portfolio that matches your goals and timeline. We set your mix of investments, automate contributions and plan retirement income you can count on.
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Tax Advisory
Keep more of every income stream. We prepare returns, plan estimated payments for side and business income and time big moves around your tax bracket.
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Insurance Services
Protect the income and assets you've built. We review life, disability, home and liability coverage so one bad day can't drain years of savings.
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How it works
From first call to a plan in motion
Five clear stages, so you always know what happens next and who is doing it.
01
DiscoverFree discovery call
Thirty minutes to learn your income, debts, goals and worries.
02
MapMap every source
We list what comes in, what goes out and what you own and owe.
03
PlanBuild your plan
A one-page plan that ranks your next moves in order.
04
ActPut it in motion
Loans, accounts, coverage and transfers set up with you.
05
ReviewCheck in each season
Quarterly reviews keep the plan current as life changes.
Free tool
Money Source Mapper
Slide in your monthly numbers to see where your money flows, your savings rate and how soon you could reach your next goal.
Your monthly numbers
Rough figures are fine. Nothing you enter leaves this page.
Money in
Money out
Your next goal
Left to save each month
Where every dollar flows
Turn This Into a Plan
$0
Total monthly income$0
Savings rate0%
Income beyond your paycheck0%
Time to reach your goal-
The time to your goal assumes you save the full monthly surplus and earn the yearly return you choose, compounded monthly. It's an illustration, not a promise of returns or financial advice.
Why Next Money Source
Advice that sees the whole picture
Most firms sell you one product. We look at every source of your money first, then recommend what actually moves you forward.
One plan for every source
Loans, investments, taxes and insurance reviewed together, never in silos.
Offers compared side by side
We show the APR, fees and total cost of each option before you choose.
Plain-language advice
Every recommendation comes with a short written summary of why.
Secure client portal
Encrypted uploads and e-signatures keep your documents out of email.
Seasonal check-ins
Quarterly reviews so your plan keeps up with raises, moves and new goals.
Local and independent
A Boulder team that answers to you, not to a single bank or product.
Client stories
What our clients say
Real results from people across Boulder County and the Front Range.
★★★★★
We had three credit cards and a car loan pulling in different directions. Next Money Source rolled the cards into one loan and showed us a payoff date. We hit it two months early.
★★★★★
I started freelancing on the side and had no idea about estimated taxes. They set up a simple system, and my side income now goes straight into a brokerage account.
★★★★★
Buying in Boulder felt impossible. They built a down payment plan, explained points and closing costs, and we closed on a townhome in Louisville last spring.
★★★★★
Our advisor turned a messy pile of old 401(k)s into one plan with a clear retirement income number. For the first time I know what we can spend.
★★★★★
They found a gap in my disability coverage that would have been a disaster for my practice. The review took one meeting and saved me a lot of worry.
★★★★★
The cash flow tool on their site showed me I was saving 6%. Six months later I'm at 18%, with no budgeting app I hate using.
FAQ
Send a Message
Questions we hear most
Straight answers about how we work, what we charge and what to expect.
Still have a question?
Call our Boulder office and talk to a real advisor.
+1 303-907-7249Send a Message
No. Many clients start with a single question about a loan, a budget or a 401(k) rollover. Your first discovery call is free, and we'll tell you honestly whether you need ongoing planning or just a one-time answer.
We are advisors first. For personal, credit and mortgage loans we compare offers from a panel of banks, credit unions and online lenders, explain the true cost of each and help you apply with the one that fits. You are never obligated to use a lender we suggest.
Planning and tax work are billed as flat, upfront fees. When we arrange a loan or an insurance policy, the lender or insurer may pay us a disclosed fee or commission. We always tell you how we are paid before you decide.
Pre-qualification usually uses a soft credit check, which does not affect your score. A hard inquiry happens only when you formally apply, and we will tell you before that step. Rate shopping for a mortgage within a short window generally counts as one inquiry.
Yes. A large share of our clients are freelancers, contractors and business owners. We help with estimated taxes, steady paychecks from lumpy income and the documentation lenders ask for when your income isn't a simple W-2.
Yes. Our office is at 1521 Mapleton Ave, Boulder, CO 80304, USA. We also meet by video or phone, and you can upload documents through our secure portal.
From the blog
Fresh from The Source Letter
Practical guides written by our advisors.
Income
How to Build Multiple Streams of Income Without Burning Out
A second or third income source can speed up every goal. Here is how to add one that lasts, without trading away your health or your weekends.
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Borrowing
Personal Loan Origination Fees Explained: How to Find the True Cost of a Loan
A low rate can hide a big upfront fee. Learn how origination fees work, how they change your APR and how to compare two offers fairly.
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Retirement
The 4% Rule Explained: How Much You Can Safely Withdraw in Retirement
Where the 4% rule came from, what it assumes and how to adjust it so your savings and your retirement last the same number of years.
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