GlacierWealth

GlacierWealth is a small, state‑registered independent investment adviser that provides discretionary and non‑discretionary investment supervisory services and model portfolio management for individuals and high‑net‑worth clients, and—uncommonly for a single‑advisor firm—also serves corporate/business clients, charitable organizations, and pension or profit‑sharing plans. The firm delivers portfolio management through separately managed accounts and model portfolios and includes financial planning and consulting as part of its advisory services rather than as a separately billed product.

The firm uses a formal risk‑tolerance assessment to place clients into Aggressive, Moderate, or Conservative model portfolios and employs a mix of analysis methods (fundamental, technical, quantitative, qualitative) together with asset allocation, mutual funds/ETFs, third‑party manager due diligence, and limited option strategies such as covered calls. Accounts are monitored on an ongoing basis with at least annual reviews, and the brochure discloses recent additions addressing political‑risk considerations and the firm’s use of AI tools (including recording/transcription with an opt‑out option).

Distinctive features include the firm’s modest scale—roughly 41 clients and about $41.5 million in assets under management—combined with an atypical client mix for an independent solo advisor, and a 2015 Stipulation and Consent with the state of Montana disclosed in the brochure. The firm also participates in Charles Schwab Advisor Services and receives program benefits from that relationship, and it notes that it does not vote client proxies, leaving proxy decisions to clients.