Guide Rock Capital Management, Inc.

Guide Rock Capital Management serves individual clients (including high-net-worth individuals) and financial institutions such as banks or thrift institutions, with an emphasis on serving credit union members through its ownership structure. The firm offers wealth management, written financial planning (full and modular), consulting engagements, and discretionary asset management implemented primarily through a wrap-fee program.

Guide Rock tailors advice through one-on-one interviews and questionnaires, uses fundamental analysis and both long‑ and short‑term trading strategies, and documents plans in written reports; its wealth management process for existing clients includes scheduled meetings as often as four times per year. Managed accounts are reviewed at least quarterly, clients receive quarterly custodian statements and Guide Rock provides written quarterly performance reports under its wrap program; the firm also discloses its ERISA/IRC fiduciary responsibilities when advising on retirement plan rollovers.

Distinctive features include being a credit union service organization owned by Gallup Federal Credit Union, which the brochure identifies as a potential source of referral conflicts and which the firm addresses through specific safeguards (for example, prohibiting Gallup stock in advisory accounts and disclosing related conflicts). Guide Rock is also a sponsor of a wrap-fee program with accounts custodied at Charles Schwab, uses sub‑advisers for portions of managed assets, and waives certain planning fees for clients already enrolled in the wrap program.