Fractional CTO + Full-Stack Developer

Colorado founders don't need a full-time CTO. They need the right one, part-time.

For non-technical founders building in Denver, Boulder, and along the Front Range: hire a sitting CTO as your fractional tech partner. Strategy, architecture, developer oversight, and hands-on development — without the $200K+ salary or the equity hit. Most fractional CTOs stopped coding years ago. I didn't.

$40/hr · Sitting CTO · Toptal Top 3% · 5 free hours · 13+ years shipping production software

Denver & Boulder Startups

Fractional CTO for Colorado startups

Denver and Boulder are two different founder populations that happen to share a highway. Denver founders are usually operators first — they ran sales, ops, or a category at a company that grew, they know exactly which workflow is broken and who pays to fix it, and they have never had to choose a database. Boulder skews the other way: research spinouts, climate and aerospace adjacency, technical founders who can build the hard part themselves but have never had to make a product survive its own customers.

Both end up needing the same thing and asking for it differently. The Denver founder needs someone who will make the early architecture calls with them and then tell them honestly whether the developer they hired is delivering. The Boulder founder usually needs the opposite service — someone who has already carried a system through its second and third year, and will say plainly which of their elegant decisions will not survive contact with a paying customer.

Everything runs remote and scheduled on Mountain time, which is the most cooperative timezone in the country for this. A 9am call in Denver is 8am on the West Coast and 11am on the East Coast, so one morning slot reaches your team, your customers and your investors in the same week without anyone dialling in at a miserable hour. Weekly video call, async Slack in between, same-day responses on weekdays.

Denver Founders

Fractional CTO for Denver startups

Denver's advantage is also its hiring problem. Enough companies moved engineering here that senior developers have real options, and a seed-stage startup is bidding against established engineering offices for the same people. That pushes founders toward one of two mistakes: overpaying for a full-time CTO before there is a product to lead, or handing the whole build to the cheapest contractor who answered and having no way to evaluate what comes back.

A fractional arrangement sidesteps both. You get the decisions a CTO would make — the stack, the architecture, the sequencing, the hiring bar — plus someone who will read the code your contractors actually wrote, at a fraction of a full-time hire. Colorado Springs and Fort Collins founders get the identical engagement; the work is remote either way, and there is no travel premium for being an hour from the office I do not have.

What that adds up to is easier to judge from output than from a promise. The products shipped under my technical lead are the honest version of what a part-time technical partner delivers — real platforms, live users, and architecture decisions that were still holding up years after launch.

What You Get

What a fractional CTO does for a Colorado startup

Five places where Colorado founders — raising in Denver, spinning something out of a Boulder lab, selling into defense and aerospace from the Springs — lose the most money to a decision made too early with too little information.

Tech Stack Decisions

Colorado startups skew toward long-lived products — climate, aerospace, health, insurance, industrial software — where the stack you pick is the stack you live with for a decade. I help you choose for the operating reality of your industry, not for what a Boulder demo night made look effortless last month.

Architecture Reviews

The moment a Denver B2B startup lands its first serious customer, someone in that customer's security team reads your architecture. I find the multi-tenancy gaps, the auth shortcuts, and the data-isolation problems while they are still a week of work, rather than a blocked contract.

Hands-on Development

When your team stalls on a hard problem, I write the code. Not a memo, not a recommended vendor. I open the branch, write the tests, ship the fix, and stay on it until it holds in production. I write production code every week, which is the part most fractional CTOs quietly stopped doing.

Developer Oversight

Boulder and Denver rates for a senior engineer are real money, and a non-technical founder has no instrument for telling productive from busy. I read the actual commits, sit in your standups, and give you a straight answer on whether the person you're paying is moving the product forward.

Roadmap Planning

Colorado rounds are typically smaller than coastal ones and the runway expectations are longer, so sequencing matters more here than it does in the Bay Area. I help you order the work so each sprint buys you either revenue or a de-risked assumption — ideally both.

Two Roles, One Person

Colorado founders need a decision-maker and a builder — in one hire

Almost every Colorado startup I talk to is running a smaller team than its plan assumes. You cannot carry a strategic advisor who has not shipped since 2018 and a senior engineer who needs someone else to decide what to build. That is two salaries to cover one job. I do both halves in the same week — architecture call before lunch, production code after it, code review on your team's PRs that evening.

The Advisor in me

  • Stack and architecture calls tuned to Colorado-heavy industries — climate, aerospace, healthtech, insurance, industrial SaaS
  • A roadmap sequenced for a longer runway and a smaller round
  • Developer hiring: spec, screening rubric, technical interview, offer
  • Security and compliance groundwork before an enterprise procurement review
  • Technical narrative that survives a Denver or coastal Series A diligence

The Builder in me

  • Ships production features end-to-end, every week
  • Unblocks your Denver or Boulder team mid-sprint
  • Fixes the performance problem your largest customer just reported
  • Builds the integration nobody on the team wants to own
  • Reviews your developers’ PRs — and opens plenty of my own

Splitting the role across two people looks cheaper on the spreadsheet. Then you become the translation layer between them, which is four to six hours a week you were going to spend on customers. On a lean Front Range team, those are the most expensive hours in the company.

Why Me

A working CTO who still writes the code

Strategy and shipping. Same person. Same week.

Most people selling fractional CTO hours to Colorado founders last shipped production code years ago. That is not a small gap. It means the person setting your architecture cannot feel the cost of their own decisions, and when your build stalls, the best they can do is introduce you to someone else. I open the editor instead — usually the same day.

I spent 4+ years as Executive Director of IT at Jacana Warranty, building a technology organisation from nothing, hiring and managing the developers, and reporting to the CEO. I know what the leadership chair asks of you. I also never left the builder's chair, and that is the half of the job most fractional CTOs have lost.

13+ years of production software across B2B SaaS, fintech, and warranty and claims platforms — systems with real money and real regulatory weight moving through them, which is the same class of problem most serious Colorado startups are building. I know what breaks at 100 paying customers, at 10,000, and at 100,000, because I wrote the code that had to survive each one.

13+ Years

Shipping production software

CTO at Get Cover

Sitting CTO of an insurtech serving 32,000+ clients

Toptal Top 3%

Vetted by the top freelance network

Ships Code Weekly

Still a working full-stack developer

Honest Disclaimer

This is NOT for you if…

I keep a small number of clients at a time, so a bad-fit engagement costs me more than the retainer is worth. Read these honestly. If one of them is you, we are not a match — and I would rather say so in the first email than three months into an invoice.

You are validating an idea, not building a company

If nobody has been asked to pay yet and there is no business model on paper, engineering is not your constraint. Go have ten real conversations with the people you think will buy this. That work is free, it is faster than any build, and it changes what you build. Come back after it.

You want a technical co-founder for equity

Co-founders take equity because they take founder risk for years. I am a paid advisor and builder — cash, not stock. If the offer is "build it now, we will sort out compensation after the raise," I am the wrong person, and I would be genuinely suspicious of anyone who says yes to that.

You want to hand it off and check back at launch

The engagements that work are the ones where you show up to the weekly call, answer on Slack the same day, and stay in the room for the tradeoffs. If you want to disappear for a quarter and return to a finished product, an agency will happily take that brief — and you will get exactly the product your spec described rather than the one your customers needed.

You are hoping engineering fixes a market problem

If a Denver SaaS is not converting, the fix is almost never another feature. It is positioning, pricing, or the fact that the market said no. I can build whatever you describe. I will not take your money to build the fourth version of something the market already declined twice.

How We Start

5 free hours — then we decide if we keep going

Every Colorado engagement opens with 5 hours of real work, free. An architecture audit, an assessment of the team you already have, a strategy session that ends in written decisions. Not a discovery call with a proposal attached. You see the actual work product before you see an invoice, and only then do we pick a model.

Weekly Retainer

Embedded with your Colorado team

$40/hr

$200–$1,200/week depending on hours

  • Flexible weekly hours — anywhere from 5 to 30 hrs/week
  • Weekly strategy call scheduled on Mountain time
  • Async Slack and email — same-day response on weekdays
  • Architecture reviews, plus hands-on shipping when the team is blocked
  • Code reviews and 1:1s with your developers
  • Roadmap planning, quarterly goals, hiring support
  • Best for: ongoing technical partnership for a Denver or Boulder startup
Project-Based

Fixed scope for one specific problem

$40/hr

Fixed total quoted upfront — typically starting at $4,000

  • Architecture audit before a seed or Series A raise
  • Or: enterprise readiness work (SOC 2 groundwork, multi-tenancy hardening)
  • Or: a fixed-scope build sprint — one feature, integration, or refactor
  • Fixed timeline, usually 6 to 12 weeks
  • Fixed price quoted upfront, no scope creep
  • A written report you can hand to your board or your lead investor
  • Best for: specific, time-bounded technical questions

Not sure whether your problem is ongoing or one-time? Book the call anyway. Thirty minutes is usually enough for me to tell whether you need continuing technical leadership, a single fixed-scope piece of work, or — and this happens — no fractional CTO at all, in which case I will tell you what you actually need instead.

Want a number before we talk? The SaaS MVP cost calculator turns a feature list into an hours, cost and timeline range. No email required.

FAQ

Questions Colorado founders ask before hiring fractional

Direct answers, from someone who works with US teams remotely every week. No pitch.

A full-time CTO in Denver or Boulder runs roughly $200K–$280K in base salary plus equity and benefits, and the executive search to find a good one typically takes six to nine months — during which you are competing with every funded startup on the Front Range and with the Denver and Boulder engineering offices of companies headquartered elsewhere. All-in, year one clears $350K before anyone writes a line of code. A fractional CTO gives you the same decisions and the same team oversight at $40/hr, which for most pre-seed and seed Colorado startups lands between $1,200 and $3,200 a month. You skip the search, skip the dilution, and skip paying a full-time salary for the year it takes to find out whether the hire was right. And unlike most fractional CTOs, I am still a working full-stack developer, so the person advising you on architecture is the person who writes the code when your team is stuck.

Every engagement I run is remote and aligned to US business hours, and I have worked with founders across a range of US states in B2B SaaS, fintech, healthtech, and warranty and claims software. The mechanics do not change with your zip code: a weekly video call, async Slack between calls, same-day weekday responses, code review on your repo, and I join your standup if you run one. What is specific to Colorado is the scheduling and the market context — Mountain time, and founders who are usually building for longer horizons and smaller rounds than the coastal default. Both shape how I sequence a roadmap.

Mountain time is the easiest US timezone to run a distributed engagement from, which is a large part of why so many remote-first companies land in Denver and Boulder. A 9am call in Denver is 8am on the West Coast and 11am on the East Coast, so a single morning slot reaches your whole US team, your investors, and your customers without anyone taking a call at a hostile hour. I schedule the weekly call in your morning, keep Slack async through the rest of the day, and respond same-day on weekdays. If your developers are offshore, I overlap with them too — that is a normal part of the arrangement, not an exception.

A senior full-stack developer in Denver typically runs $130K–$170K base; Boulder is comparable and sometimes higher because the talent pool there is competing with well-funded local employers. Add benefits, payroll overhead, and a recruiting cycle. My rate is $40/hr — $200 to $1,200 a week depending on hours, or roughly $800 to $4,800 a month on a retainer. A 10-hour-per-week retainer costs less per month than a fortnight of a Denver senior's loaded salary, and it buys strategy, hands-on shipping, and oversight of whoever else you are paying, rather than one of the three. Project work is quoted as a fixed total upfront, typically $1,200 to $4,000, so the number is settled before you commit.

Yes, and it is one of the more valuable parts of the engagement. Denver and Boulder are competitive hiring markets: strong candidates are being recruited by several companies at once, and most non-technical founders have no reliable way to write the spec, screen candidates, or run a take-home that actually signals quality. I write the spec with you, build the screening rubric, run the technical interview, and help with the offer conversation. The hire is yours and works for you — the process just gets 13+ years of hiring experience behind it instead of a template from a blog post.

Let's Build Your Colorado Startup's Technical Foundation

Book a free call. Thirty minutes, on Mountain time. Tell me where you are — Denver, Boulder, Fort Collins, Colorado Springs, or anywhere along the Front Range — what is stuck, and where you are trying to get. I will tell you honestly whether a fractional CTO is the right answer at your stage, and if it is, exactly what the first 5 free hours would deliver.

Based in a different state? I also work with founders in California and Texas (Austin, Dallas & Houston). Further west, I work as a fractional CTO in Seattle.

Not in Colorado? Start with the national overview of my fractional CTO for startups.