Fjell Capital

Fjell Capital advises individual and high‑net‑worth clients as well as retirement plan sponsors, delivering integrated wealth management, standalone financial planning, and retirement plan advisory services. Its Bergen offering combines ongoing investment management with continuous financial planning, while BluePrint provides standalone planning engagements for clients who do not want an ongoing investment relationship.

Investment portfolios are managed through the tmrw Portfolio Series, a target‑date, model‑of‑models framework that blends active GARP equity exposure, ETF‑based and global equity sleeves, tax‑aware and total‑return fixed income allocations, periodic rebalancing, and tax‑loss harvesting. The firm may use separate account managers for fixed income and can include alternative investments for eligible clients, managing accounts on both discretionary and non‑discretionary bases.

Fjell is notable for applying a subscription‑style minimum recurring fee to new wealth‑management clients rather than relying solely on a pure AUM billing model, while also offering planning via one‑time flat fees or hourly engagements—an uncommon fee mix among its peers. The firm also manages ancillary accounts (including adviser‑managed variable annuities and education savings plans), uses SAMs for fixed‑income allocations, and discloses that some advisers are licensed insurance agents who may receive insurance commissions, which it identifies as a potential conflict and describes mitigation steps for.