Our Firm



Financial Planning Alternatives was started in 2011 by Partners Charles Kerr and John Cummings, both experienced financial services professionals.  Charles and John wanted to build an independent financial services firm focused on ensuring each of their clients has a plan, acts on their plan to work toward achieving their individual goals.

Charles M Kerr CLU, ChFC®, Partner

Charles started in the financial services industry in 1994.  Charles has worked as an agent, manager and wholesaler for companies like John Hancock and Fidelity Investments.  Charles is a Investment Advisor Representative.  Charles lives in Denver, Colorado, with his wife Michelle.




Seth King, Jr., ChFC®, Portfolio Manager

Seth is a Chartered Financial Consultant® and a Phi Beta Kappa graduate of Colorado College where he received a B.A. in Economics, Magna Cum Laude. He also has a M.A. in Economics from the University of Colorado-Boulder.

Seth started his financial services career in 1996, as a portfolio analyst for an independent broker-dealer where he monitored the performance and allocation for over 100 client portfolios.  Seth manages clients porfolios day-to-day, and recommends strategic and tactical portfolio changes.



Terry Neyland  JD, MBA  VP Operations

Terry joined FPA in 2013 after moving to Denver, Colorado.  Terry manages all aspects of operations to insure our clients receive the best service and outcome.  Terry has a background in corporate client relationship management, and is focused on ensuring your experience with our firm is seamless.