We  consent  to the  use in the  Form  S-8,  Registration  Statement  Under  the
Securities  Act of  1933,  of  Advanced  Financial,  Inc.  of our  name  and the
statements  with respect to us as appearing  under the heading  "Experts" in the
Form S-8.



                                          ALLEN G. REEVES, P.C.


                                          By: /s/ Allen G. Reeves
                                              -------------------
                                                 Allen G. Reeves



Denver, Colorado
March 21, 1996