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Photo of Gary Lutz
First Western

President | Product Group & Commercial Banking

As president of the Product Groups & Commercial Banking, Gary leads First Western's teams in the areas of commercial banking, treasury management, employee benefits/retirement services, wealth planning, trust & estate, investments, insurance, and mortgage banking. He is also responsible for First Western's corporate marketing and business development organizations and is a member of the bank's senior leadership team. 

Most recently, Gary was president of JFG Wealth Management, a Denver-based boutique wealth management firm providing high net worth clients with comprehensive financial planning and goals based investing. Prior to that, 33+ years with Wells Fargo and its predecessors in Colorado. Leadership roles included Commercial Banking National Sales Manager, Head of Commercial Banking for Colorado, Wyoming and Montana and head of The Private Bank / Wealth Management Group in Colorado.

Getting to Know Gary

What do you like most about your job?
Working with a very accomplished team of professionals in the service of helping our clients achieve their goals. 

What person, living or deceased, would you most like to meet?
Harry Truman

What is your motto?
A great line from Ronald Reagan, “There’s no limit to what a man can do or where he can go if he doesn’t mind who gets the credit.”


• Bachelor of Science in Business Administration/Finance from the University of Colorado, Boulder


• Denver Art Museum, Board of Trustees
• Colorado Public Radio, Board of Trustees 
• ACE Scholarships, Advisory Board of Directors
• CU Leeds School of Business Professional Mentorship Program, Mentor & Advisory Board of Directors