High Country Capital Management

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Client assets under management

$83,628,133

Clients

134

19% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$624,091

About

High Country Capital Management provides financial planning, asset allocation and ongoing investment management, as well as investment consulting, manager research and qualified retirement‑plan services to individuals (including high‑net‑worth clients), business owners, corporate plans, trusts, foundations and other institutions. The firm offers both ongoing portfolio management and hourly or project‑based consulting engagements, and typically requires client participation to implement recommendations.

The firm constructs individualized investment policy statements with clients and applies a blend of fundamental and technical analysis within a Modern Portfolio Theory framework to build diversified portfolios using mutual funds, ETFs, individual securities, bonds and, in select cases, interval funds. HCCM maintains a quarterly-updated “Preferred Managers” list, tracks roughly 70–100 manager candidates across about 27 markets, and provides continuous monitoring and periodic rebalancing with at least quarterly internal reviews.

A distinctive operational feature is that HCCM provides back‑office services to an unaffiliated registered investment adviser and is compensated for that work (disclosed as a percentage of that RIA’s management fees), which creates an additional revenue stream separate from client advisory fees. The combination of an advisor‑led, participatory IPS process, a detailed manager‑selection program and the occasional use of less‑liquid products (interval funds) sets its implementation approach apart from many similarly sized supported advisers.

Client services

Financial planning Portfolio management Pension consulting

Complimentary speaker; back office services-account transfers, trading and distribution services for a separate ria

Expertise

General retirement planning General tax planning Wealth management Cash flow / budgeting Retirement plans for business owners (SEP, solo 401k)

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

Project fees based on scope and complexity; may require retainer equal to half of project fee

Percentage

$0 - $1,000,000: 1.25% $1,000,001 - $2,000,000: 1.00% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.70% $4,000,001 - $5,000,000: 0.60% $5,000,001 - $10,000,000: 0.50% $10,000,001+: Negotiable

Project-based

$300/hour for Financial & Investment Planning, Investment Consulting, Retirement Plan Consultations

Other

Account minimum: $50,000 Fee-only: Investment Management fees tiered as above; Financial Planning, Investment Consulting, and Retirement Plan Consultations charged hourly/project based at $300/hour

Main office location

High Country Capital Management

521 E. Main Street

Montrose CO 81401-3931, United States

Number of offices

Most active in

Colorado · Texas · Wyoming

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook X Website 970-249-3499

Advisors at this firm

Jason N

ChFC®, Series 63, Series 65

Montrose, CO

High Country Capital Management

Jason Napoli is a ChFC® with 15 years of industry experience, serving as President and Principal at High Country Capital Management since 2012. He is based in Montrose, Colorado, and holds Series 63 and Series 65 licenses. High Country Capital Management serves individuals, business owners, qualified retirement plans, trusts, estates, and charitable organizations, offering financial and investment planning, asset allocation, portfolio management, and retirement-plan consulting. The firm employs a collaborative investment process that integrates Modern Portfolio Theory with fundamental and technical analysis, utilizing diversified portfolios of mutual funds, ETFs, bonds, and select individual securities.

General retirement planning General tax planning Wealth management Cash flow / budgeting Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Retired

Scott S

Series 63, Series 65

Denver, CO

High Country Capital Management

Scott Spangler is a financial advisor at High Country Capital Management with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at High Country since 2017. Prior to that, he was with Carden Capital and Silver Hills Partners. Spangler is also a licensed insurance broker. High Country Capital Management serves individuals, business owners, qualified retirement plans, trusts, estates, and charitable organizations by providing financial planning, asset allocation, portfolio management, and retirement-plan consulting. The firm employs a collaborative investment process that integrates Modern Portfolio Theory with fundamental and technical analysis and maintains a systematic manager-research approach.

General retirement planning General tax planning Wealth management Cash flow / budgeting Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Retired

Justin M

Series 65

Montrose, CO

High Country Capital Management

Justin Mckenna is a financial advisor at High Country Capital Management in Montrose, CO, holding a Series 65 credential with 15 years of industry experience. He has been with High Country Capital Management since 2007. High Country Capital Management serves individuals, business owners, qualified retirement plans, trusts, estates, and charitable organizations by providing financial and investment planning, asset allocation, and ongoing portfolio management. The firm employs a collaborative investment process that integrates Modern Portfolio Theory with fundamental and technical analysis, supported by a systematic manager-research approach.

General retirement planning General tax planning Wealth management Cash flow / budgeting Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Retired

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