SERVICES & FEES

Transparency and openness are the basis of any good relationship.

We strive to be transparent in all we do so you’re never in doubt that we always have your best interests as our top priority. We are a fee-only advisor which means we only get paid for the services we provide. We are NEVER compensated for selling products or making referrals.

Below is an overview of our services and transparent fees

Financial Planning

  • Cash Flow Analysis
  • Scenario analysis & stress testing
  • Goal review, expenses, and budgeting
  • Goal planning
  • Debt management
  • IRA contributions and Roth conversions

Retirement Planning

  • Social Security Analysis
  • Scenario analysis & stress testing
  • Retirement Income Strategies
  • Goal planning
  • IRA contributions and Roth conversions
  • RMDs and Withdrawal Optimization Strategies
  • Review of Retirement plans

Risk Management & Insurance Planning

  • Life Insurance Needs Analysis
  • Disability Insurance Analysis
  • Homeowner’s Insurance Review
  • Liability Coverage
  • Medicare Advice
  • Health Savings Accounts

Investment Management & Planning

  • Management (GTTTA*)
  • Portfolio Review
  • Asset Allocation
  • Titling and Beneficiary Designations
  • Account Aggregation
  • Management of 401(k) accounts
  • Investment Policy Statement
  • Risk Tolerance analysis

Tax Planning

  • Tax Loss Harvesting
  • Carry Forward Losses
  • Tax Return Review
  • Business Succession Planning
  • Potential Roth Conversions
  • Health Savings Accounts
  • Gifting

Estate Planning

  • Estate Plan Review
  • Tax Loss Harvesting
  • Carry Forward Losses
  • Tax Return Review
  • Business Succession Planning
  • Potential Roth Conversions
  • Health Savings Accounts
  • Gifting

Assistance to Loved Ones

  • College Planning
  • Caring for Elderly
  • Medicaid Compliant Annuities
  • 529 College Savings Plans
  • Roth IRAs for children
  • UGMA/UTMA
  • Divorce Planning

Additional Services

  • Hold annual reviews to ensure that all planning is well coordinated and implemented
  • Coordinate with other advisors such as your attorneys and accountants
  • Client Service Calendar

Investment Management

1.00%
  • ✔ Professional, In-house Investment Management
  • ✔ Risk tolerance analysis
  • ✔ Investment Policy Statement
  • ✔ Asset Allocation
  • ✔ Rebalancing
  • ✔ Performance reporting
  • ✔ Account aggregation
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Fee percentages tier down for higher asset levels

Financial Plan

Based on complexity of situation
  • ✔ Retirement Planning
  • ✔ Tax Planning
  • ✔ Risk Management & Insurance Planning
  • ✔ Estate Planning
  • ✔ Goal Planning
  • ✔ College Planning
  • ✔ Caring for Elderly and Special Needs Individuals
Schedule A Consultation

A La Carte Advisory Services Available

Dependent on the scope of work being provided. A flat-fee comprehensive proposal will be presented and agreed upon prior to the commencement of any work.

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Through our comprehensive review and analysis, we provide clear, concise and actionable plans and guidance you can understand, empowering you to make the best-informed financial decisions possible.

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Warranties & Disclaimers

 

There are no warranties implied.

Glacier Investment Management (“GIM”) is a registered investment adviser located in Kalispell, MT. GIM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. GIM’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of GIM’s web site on the Internet should not be construed by any consumer and/or prospective client as GIM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by GIM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of GIM, please contact the state securities regulators for those states in which GIM maintains a registration filing. A copy of GIM’s current written disclosure statement discussing GIM’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from GIM upon written request. GIM does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to GIM’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice.

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