Colorado Capital Management, Inc.

Colorado Capital Management, Inc. is an independent registered investment advisor headquartered in Boulder, Colorado. The firm operates as a planning-centric wealth and investment manager, delivering discretionary portfolio management and broader financial-planning services to individuals, families, and select institutions through separately managed accounts. The advisory model is built around comprehensive planning—retirement, tax, estate, business succession, and charitable goals—with investment portfolios constructed to support those objectives. Client mandates are typically multi-asset, blending equities, fixed income, cash, and in some cases diversifying assets, with risk calibrated to each client’s circumstances and long-term plan. Colorado Capital Management, Inc. appears in U.S. regulatory records as an institutional investment manager under CIK #0001664147 and files Form 13F with the Securities and Exchange Commission. These filings disclose the firm’s long positions in reportable U.S.-listed equities and certain exchange-traded products as of each calendar quarter-end. The 13F reports do not include individual bonds, cash positions, most mutual funds, or non-U.S.-listed securities, which are often important components of client portfolios. Consequently, the 13F dataset should be viewed specifically as the public-equity sleeve of a broader, multi-asset advisory practice. On this platform, the firm’s filings are aggregated into a continuous 13F History, allowing allocators to review its disclosed U.S.-listed positions by issuer and sector across different market cycles.

Colorado Capital Management, Inc. follows a planning-led, fundamentally oriented investment strategy. Asset allocation is determined first at the client level, based on a detailed assessment of objectives, risk tolerance, time horizon, liquidity needs, and tax profile. The equity sleeve, which is the portion visible in Form 13F, is then constructed to provide diversified, benchmark-aware exposure to U.S. (and, where appropriate, global) equities. In the 13F record, this translates into a Core Blend equity profile: - Core building blocks: The firm commonly uses broad-based ETFs and diversified listed funds to secure large- and mid-cap U.S. equity exposure. These vehicles form a foundation of diversified holdings across major sectors. - Direct-equity positions: Core ETF exposure is supplemented with a curated set of individual U.S.-listed stocks—generally established, liquid companies with identifiable competitive advantages, recurring cash flows, and solid balance sheets. These holdings typically span technology, healthcare, financials, industrials, and consumer franchises. - Quality and income tilt: Given the wealth-management context, the equity mix often reflects an emphasis on businesses that combine reasonable growth prospects with financial strength and, where relevant, dividend support, rather than on highly speculative names. Security selection is grounded in company fundamentals and portfolio fit. While the firm does not publish a detailed research framework in public channels, the characteristics of recurring positions suggest attention to earnings stability, free-cash-flow generation, balance-sheet resilience, competitive positioning, and valuation relative to peers and broader indices. For ETFs and funds, criteria such as cost, index methodology, diversification, and liquidity are central. Turnover in the 13F-visible sleeve tends to be low to moderate. Many core ETFs and individual holdings reappear across successive filings, with changes driven largely by periodic rebalancing, client inflows and withdrawals, and valuation- or fundamentals-based adjustments rather than by high-frequency or event-driven trading. Within this analytics environment, the 13F Portfolio Composition view decomposes Colorado Capital Management’s disclosed long U.S.-listed holdings by sector, market-capitalisation band, and vehicle type (ETF versus single stock), making the implementation of its Core Blend discipline transparent in the data.

Colorado Capital Management, Inc. is a Boulder-based SEC-registered investment advisor whose Form 13F filings under CIK #0001664147 provide a transparent, position-level view of its long-only U.S.-listed equity and ETF implementation. The holdings history is consistent with a diversified, benchmark-aware Core Blend approach, executed through broad-market ETFs and selected individual stocks with low-to-moderate turnover in line with long-horizon, planning-driven wealth management. From the 13F vantage point, key observable attributes include: - A long-only, allocation-centric equity sleeve designed to serve as the growth component within multi-asset client portfolios, rather than as a narrow thematic or trading-intensive strategy. - Sector and issuer diversification mirroring broad U.S. market exposure, with modest quality and income tilts introduced via fundamental security selection and product choice. - A trading rhythm characterised by rebalancing and incremental adjustments rather than frequent, event-driven repositioning. Within this analytics environment, allocators can construct a reconstructed Historical Track Record of Colorado Capital Management’s reportable holdings and compare the resulting capital trajectory with relevant equity benchmarks and peer RIAs. By combining 13F Portfolio Composition analytics with downside diagnostics such as Max Drawdown Depth and efficiency measures like Sharpe Ratio, practitioners gain a data-grounded view of how the firm’s observable equity sleeve has behaved on both an absolute and risk-adjusted basis. The central analytical question for allocators is how this diversified, quality- and income-tilted Core Blend equity profile—seen solely through 13F history—responds across different market regimes, including deep drawdowns, factor and sector rotations, and volatility spikes, and whether that regime sensitivity aligns with the role they intend Colorado Capital Management, Inc. to play within a broader, multi-manager portfolio.

From the vantage point of its Form 13F disclosures, Colorado Capital Management, Inc. exhibits the risk characteristics of a diversified, long-only equity and ETF allocator, designed to operate as the growth engine within broader, multi-asset client portfolios. Key dimensions of the equity-sleeve risk profile include: - Market and style exposure: A reconstruction of the 13F sleeve will typically show substantial beta to major U.S. equity benchmarks, given the reliance on broad-market ETFs and diversified large- and mid-cap holdings. Embedded tilts toward quality, dividends, and balanced growth/value characteristics—arising from security and product selection—introduce incremental tracking error but do not turn the sleeve into a narrow factor bet. - Sector risk: Sector allocations, as inferred from holdings, are generally spread across technology, healthcare, financials, industrials, and consumer sectors. Persistent overweights or underweights in specific industries can influence behaviour during pronounced sector rotations, regulatory shifts, or macro shocks that disproportionately affect particular segments. - Issuer and instrument concentration: The combined use of ETFs and a diversified set of direct-equity positions usually limits single-name risk. Nonetheless, a finite roster of core stocks and key ETFs may still account for a meaningful share of reported market value, so company-specific events or ETF-level factor tilts can have visible impacts on short- and medium-term capital paths. - Turnover and adaptability: Low-to-moderate turnover implies that the risk profile of the equity sleeve evolves gradually, anchored in long-term investment theses and strategic asset allocation rather than rapid tactical shifts. This reduces trading-driven variability but can leave the sleeve slower to adapt during abrupt regime changes such as sudden interest-rate repricings or sharp growth–value rotations. On this platform, a 13F-based historical reconstruction of Colorado Capital Management’s equity sleeve can be evaluated using standard diagnostics. Measures such as Max Drawdown Depth quantify the most severe peak-to-trough declines a rules-based replication of the reported holdings would have experienced over user-defined horizons, while a Sharpe Ratio lens relates realised variability to the excess compounding achieved versus a cash proxy. Scenario analysis and stress testing—delivered via Performance Backtests Online—can further illuminate how the observable equity sleeve would likely have behaved during episodes such as the global financial crisis, the 2020 pandemic shock, or extended style and sector rotations. Because Form 13F omits fixed income, cash, and any other defensive allocations that are integral to clients’ total portfolios, the volatility and drawdowns implied by an equity-only replication will generally overstate risk at the household or plan level.