Barbara Terrazas

Barbara Terrazas CFP®

Barbara Terrazas is a trusted wealth advisor who has been an integral part of GHPIA for more than a decade. Having worked closely with clients in multiple capacities, Barbara possesses an in-depth understanding of their financial needs, priorities, and long-term goals. Her ability to anticipate client needs and provide proactive guidance makes her a highly knowledgeable advisor for individuals and families navigating the complexities of their financial life.

Since joining GHPIA in 2013, Barbara has developed a deep familiarity with GHPIA’s financial planning process and investment philosophy. Her early work in client relations gave her a unique perspective on how to support clients through every stage of their financial journey. Over time, she expanded her expertise in investment planning, retirement strategies, tax-efficient wealth management, and estate planning, leading her to take on an advisory role where she now works directly with clients.

Barbara specializes in helping high-net-worth individuals and families develop and maintain well-structured, adaptable financial plans. She takes a personalized and educational approach, ensuring clients feel empowered and confident in their financial decisions.

Barbara is a Certified Financial Planner™ (CFP®), a designation that reflects her fiduciary commitment to comprehensive, client-first financial planning. She earned a Bachelor’s degree in Economics and Psychology from the University of Colorado Boulder in 2010.

Outside of the office, Barbara finds joy in Colorado’s great outdoors, whether hiking local trails or exploring new destinations with her husband. A lifelong traveler, she values experiences that broaden her perspective and enrich her life. She is also a dedicated supporter of the Colorado Buffaloes and enjoys spending time with family and friends.


  • Are Higher Interest Rates the New Normal?
    Are higher interest rates a return to historical norms? Explore how Federal Reserve policy, inflation, and government borrowing shape interest rates, what higher rates mean for savers and borrowers, and how borrowing costs affect stock valuations and fixed income opportunities.
  • Premiums on the Rise: A Temporary Spike or the New Normal?
    Homeowners’ insurance premiums have surged across the U.S., with rates rising faster than inflation and hitting nearly every household. In this issue, we examine the forces driving costs higher, from regulation to climate risk and inflation, and explore whether today’s hard insurance market is a temporary phase or a lasting shift.
  • Labor Market Focus: Turbulence in the Descent to a Soft Landing
    Recent economic reports raise fears of a labor-driven recession, but closer analysis suggests it’s more about normalization.
  • Roth IRAs: A Pragmatic Approach to Retirement Planning
    Roth IRAs are seemingly magical retirement savings vehicles that provide tax-free growth on investments and distributions.
  • Senior $afe: How to Protect Against Financial Abuse
    With the ever-changing technology surrounding financial data and the sophisticated, developed methods of fraudsters to target and successfully exploit seniors, it is important to understand your options and available protection resources.