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Founding Partner

Garrod Moltz has been working with high-net-worth individuals and families for over a decade, helping them to efficiently transfer wealth, leave a legacy, and plan for the unknown. He enjoys sorting through the complexities of the insurance world to refine strategies to help accomplish his clients' goals. Before founding Independent Insurance Advisors, Garrod spent eleven years with a private bank headquartered in Denver, Colorado. While at the bank, he gained extensive experience in estate planning, business succession planning, retirement planning, lending, and premium finance strategies. Additionally, he completed his Chartered Life Underwriter (CLU) designation which helped him develop an in-depth understanding of the practical, legal and ethical aspects of life insurance underwriting.

Garrod is a Colorado Native and graduated from the University of Denver in 2009. He currently lives in Denver with his wife Nicole and their Goldendoodle, Dexter. He enjoys traveling and is a PADI certified Divemaster with over 100 dives logged so far.



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Managing Director

Prior to joining IIA, Andy spent 5 years at First Western Trust working as a wealth advisor specializing in large insurance policies, $10M death benefit, and above, which addressed the estate planning and diversification needs of his high-net-worth clients.


Having survived a plane crash as a child, he understands the unique circumstances that every family has when it comes to protecting and growing their wealth. He has lived in Aspen, Colorado for the past 47 years, and is married with 4 children.

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