Meet Jake & Morgan Hardy | Owners, F45 Training Loveland CO

We had the good fortune of connecting with Jake & Morgan Hardy and we’ve shared our conversation below.

Hi Jake & Morgan, what role has risk played in your life or career?
Your level of success will be determined by one thing… how good you are at decision making.

And there are two things one needs to understand and be fully aware of, if they want to become a good decision maker: Time and Risk.

Both resources are always present. And both are perceived differently by every unique individual.

You can’t run from time, it will always keep moving forward. In the same way, you can’t run from risk because it will always be there.

It’s risky to start a business. It’s risky to rely on one corporation for your income. It’s risky to go to the gym. It’s risky to never exercise. It’s risky to ask a girl out. It’s risky to stay alone forever.

“It’s all risky.” – Jim Rohn

If we can’t escape the presence of risk, then our focus should be on what lens we see it through. Perception is the biggest contributor to how you make decisions.

You may look at a man who decides to open a food truck as a risk-taker. But if you knew that he spent his early adult life in culinary school, worked his way up to become a Michelin star chef, studied entrepreneurship and talked with restaurant owners on how to manage expenses and market their food… and THEN… opened up his food truck. Is that risky?

“Risk comes from not knowing what you’re doing.” – Warren Buffett

We had many people tell us that F45 was risky. There are tons of gyms in Northern CO, and to the outside eye, it looks like a venture that might not be worth it.

But with 13 years of experience in the industry, we knew the client we were looking to serve.

We knew we were NOT the right fit for all 150,000 people in the area. But there is a sliver of the market, who is craving the specific solution we provide. And that’s all you need.

And even if everything failed, we were ok with it. We knew the level of impact we wanted to make on this world, and the risk associated with this opportunity of serving others was riskier to avoid than to not take at all. We knew the full downside and were willing to live with it.

Risk is always there, but it can be mitigated by changing the lens you see it through. Knowledge gained through mentorship, research, and knowing your opportunity costs, will make for better decisions.

And better decision making will level up your success. Not only in business, but in relationships, your health, your faith, and all other aspects of life.

Risk is to be managed, not avoided.

Alright, so for those in our community who might not be familiar with your business, can you tell us more?
When we were under construction on F45 Loveland, people drove by the studio and told us to our face that we didn’t need another gym in northern CO.

But we knew the client we were looking to serve.

We knew we were NOT the right fit for all 150,000 people around us. But there is a sliver of the market, who is craving a place with energy and accountability from a loving community. They want expert coaching on form and nutrition, and they want workouts that are ready for them when they walk in the door. There is a sliver of the market that wants that efficient, effective, 45 minutes of premium, top-tier care that F45 offers.

So we did it.

We knew the level of impact we wanted to make on this world, and there were a limited number of opportunities, with our current skillset, where we could achieve that.

With two backgrounds in division 1 athletics, over a decade of experience in the fitness world, and both growing up in Northern CO, God used our past experiences to shape us into the people who are ready to use F45 to give back to the community that built us.

We left careers in software engineering and nutraceutical sales, to now partner up in business as a husband and wife team. Which could be a risk in itself, but when you have complementary skillsets and the same mission, it’s a true level-up.

God only knows the future of F45, but the mission will always be to serve the Northern CO region with the best fitness experience to the client we know best.

Any places to eat or things to do that you can share with our readers? If they have a friend visiting town, what are some spots they could take them to?
🏔️ Loveland, CO | 7-Day Itinerary for a Legendary Visit

Day 1 – Arrival + Kickoff
Theme: Welcome + Local Flavor
Check-in: The Elizabeth Hotel (Fort Collins) or TownePlace Suites (Loveland) — cozy, modern, well-located.
Workout: Morning sesh at F45 Training Loveland – get them fired up and plugged into the community.
Lunch: Door 222 Food & Drink – elevated American fare downtown.
Explore: Walk along Downtown Loveland. Window shop, grab coffee at Dark Heart.
Dinner: Origins Wine Bar & Wood Fired Pizza – great wine flights + Neapolitan pies.
Evening: Catch live music at The Foundry Plaza if there’s an event, or chill by the fire pits.

Day 2 – Mountains + Makers
Theme: Colorado Outdoors + Local Art
Morning Hike: Devil’s Backbone – scenic and close to town. Epic views with a moderate hike for any skill set.
Brunch: Backyard Tap – laid-back food trucks + beer garden vibe.
Afternoon: Visit Benson Sculpture Garden – walkable art and gardens, super unique to Loveland.
Late Afternoon Treat: The Flipside – retro pinball arcade + drink bar (hidden gem vibe).
Dinner: Door 222 (again — it’s that good), or Slate Italian Eatery for a classy dinner.

Day 3 – Estes Park + Rocky Mountain National Park
Theme: Epic Adventure Day
Early Departure: Head to RMNP (40–50 min drive).
Hike: Try Bear Lake Loop, or if they’re up for it, Emerald Lake.
Lunch in Estes: Grab a burger or elk chili at Smokin’ Dave’s BBQ.
Shopping: Walk the Estes Park riverwalk – local shops, taffy, souvenirs.
Optional: Tour the historic Stanley Hotel (Stephen King’s inspiration for The Shining).
Back to Loveland: Chill dinner at Palomino or Nordy’s BBQ in nearby Loveland.

Day 4 – Lake Life + Chill Vibes
Theme: Water, Relaxation, and a Little Action
Morning Workout: Drop in at F45 again.
Lunch: Loveland Tap & Tavern – great selection and patio seating.
Hangout: Rent kayaks or paddleboards at Boyd Lake State Park.
Sundown: Grab drinks and apps at Pourhouse Bar & Grill, rooftop if weather’s good.
Evening: Bonfire or game night at your place. You’re the host!

Day 5 – Fort Collins Day Trip
Theme: College Town + Craft Beer + Culture
Drive to FoCo: 30–40 minutes.
Morning Coffee: Alleycat Coffee House or Bindle Coffee (at Jessup Farm Artisan Village).
Tour: Visit New Belgium Brewing or Odell Brewing Co. for tastings.
Lunch: The Welsh Rabbit (charcuterie + wine) or The Emporium.
Walk: Old Town Fort Collins – great architecture, boutiques, and record shops.
Dinner: The Rio for killer margaritas.
Late Night: Hit The Sunset Lounge (live jazz + upscale rooftop bar).

Day 6 – Rest + Local Fun
Theme: Reset + Local Community
Sleep in. Light walk around Chapungu Sculpture Park (East Loveland).
Brunch: Cafe Mexicali – Mexican-style, handmade tortillas and rich sauces that are to die for. Sweet pork burrito with habanero queso is the go-to.
Art Spotting: Visit Loveland Museum or drop in on a local art class.
Afternoon Coffee: Ziggi’s or Avery’s Modern Teahouse – catch up, journal, read.
Workout: Hit F45.
Dinner: Chef’s tasting at Sweet Heart Winery + wine flight.
Evening: Firepit night or local open mic / music night.

Day 7 – Departure + Meaningful Sendoff
Theme: Wrap-Up + Reflection
Final F45 Session – early morning class to close it out strong.
Breakfast: Urban Egg – local spot, hearty meal.
Walk: Quick stroll by River’s Edge Natural Area before heading to the airport.
Gift: Send them home with local coffee, a F45 shirt, or a small print from Benson Park.

The Shoutout series is all about recognizing that our success and where we are in life is at least somewhat thanks to the efforts, support, mentorship, love and encouragement of others. So is there someone that you want to dedicate your shoutout to?
Massive credit to one of the best books of all time: “The Go-Giver” by Bob Burg and John David Mann

Website: https://f45training.com/studio/lovelandco/

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