Root & Web Community Financial is a registered investment advisor based in Denver, Colorado, founded in 2026 by Margaret Nickens. The firm specializes in comprehensive financial planning and ongoing investment management for individuals, families, and small businesses. Root & Web takes a holistic approach to financial advice, addressing areas such as retirement planning, tax strategies, estate planning, spending habits, debt management, and public benefits. Clients who hire Root & Web for ongoing investment management receive comprehensive financial planning services at no additional cost. The firm also offers standalone financial planning, one-time project plans, and hourly limited-scope advisory services. Root & Web operates as a fee-only firm, meaning they do not sell financial products or earn commissions, and they are legally required to act in their clients' best interests.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $3.0M | 1.00% |
| $3.0M - $6.0M | 0.75% |
| $6M+ | 0.50% |
Fees are negotiable. Comprehensive financial planning is included at no extra cost for investment management clients.