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REAL Financial Well-Being Powered by Authentic Relationship, Expert Investment Management, Unbiased Financial Advice, & Radically Enhanced 401(k) Solutions


Truth... It is a superpower: the leveler of opaqueness, complexity, and subterfuge. It provides the transparency, simplicity, and discernment you need to succeed in a financial world full of noise, misinformation, and confusion. 

Simply put, risk is everywhere and always, especially when dealing with Wall Street. If its various types of relationship structures, financial advice programs, investment products, and 401(k) offerings were as easy, mathematically precise and profitable as you’ve been told or sold, we'd ALL be rich. Financial well-being would be the rule not the exception. Unfortunately, it is not.

The truth is, outside of luck, the only way to successfully achieve REAL financial well-being is through genuine expertise, ongoing collaboration, and hard work.  Yes, you read that right- good old hard work. You may never break a sweat being patient, disciplined, or prudent, but it sure is hard work maintaining those values when all about you are losing theirs. Wall Street's salesmen aren't going to tell you this. It's honesty that doesn't sell, but makes all the difference.

Should you desire to learn more about REAL financial well-being and how not to have it jeopordized by undue risk, dependent on luck, or taken advantage of by Wall Street, read on or reach out. We'll consider this one of the MOST important investments you'll ever make with us: an investment in truth! It's the superpower that might just set you and yours free.

WISDOM > knowledge

The more you know, the better the decisions we can make together. We want to enhance your understanding, reduce complexity, and focus attention on what is in our control. Over time, clarity and wisdom will be gained, which creates greater peace of mind, one of the most valuable aspects of REAL financial well-being.

GlacierWealth's regularly updated news feed, blog, along with the contrarian videos, websites, and books shared via the links below are some of the most important resources to assist in this effort. If all of this information was taken together and synthesized, it would simply state that the financial markets are radically unpredictable, investors are extremely irrational, and the mainstream financial service industry is, not surprisingly, self-serving and conflicted. Unlikely will you see this on any Wall Street advertisement, or hear this from the fellow golfer on the course or an uncle who happens to be in the business. Does this make you want to hide your money under the mattress and not trust anyone? We don't blame you... That's why it's absolutely critical to increase your understanding and knowledge. See below to begin!

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What current, trustworthy information sources do you follow to stay informed on finances, current events, and the like?  This is critically important as there is a lot of information out there that is nothing more than noise.  Unfortunately, it is well disguised and a distraction at best and potentially harmful at worst.  For your convenience, here is a list of our top sources providing some free access that won't be found on your conventional advisor's regular reading list.  

Crestmont Research:  Develops provocative insights on the financial markets, including the stock market, interest rates, and investment philosophy. The research focuses on the drivers and characteristics of secular stock market cycles, the impact of the inflation rate and interest rates on the stock and bond markets, and a conceptual approach toward investment strategy that is applicable to the current market environment.  

Hussman Market Comment:  Modern investment research and education to "help you see through Old Wall Street’s cloak of obscurity."

The Felder Report:  Take the Financial Road Less Traveled 

National Debt Clock:  The purpose of US Debt Clock.org is to inform the public of the financial condition of the United States of America.

Shadow Government Statistics:  Analysis Behind and Beyond Government Economic Reporting

In the age of immediate gratification we'd like to comply and share with you a few inspiring, intellectually powerful videos that will quickly bring to light different thoughts, perspectives, and intriguing points that have helped shape our views.   The thoughtful, imaginative, truth seeking minds that created these are to be thanked and applauded.  Seeing is believing so let's give it a whirl!  Click a link below to be transported into YouTube's or Vimeo's greater enlightenment. 

Altruist-  The Way Money Should Feel 

Bird and Fortune-  Investment Banker 

Renegade Inc.-  The Four Horsemen

End of the Road-  How Money Became Worthless

Unexpected Returns: Understanding Secular Stock Market Cycles 

"Before you read any how-to investment books or seek financial advice, read Unexpected Returns, the essential resource for investors and investment professionals who want to understand how and why the financial markets are not the same now as they were in the 1980s and 1990s. In addition to explaining the fundamentals, this book takes you on a graphic journey through the seasons of the market, tying together economics and finance to explain the stock market's cycles. Using comprehensive full-color charts and graphs, it offers an in-depth exploration of what has changed over the past five years - and what you can do about it to avoid disappointment with your investments. This unique combination of investment science and investment art will enable you to differentiate between irrational hope and a rational view of the current financial markets. Based on years of meticulous research, it provides the sensible conclusions that will drive your future investment choices and give you the confidence to rely on your investment outlook, whatever your financial strategy." (Book jacket)

Thinking, Fast and Slow 

"In the international bestseller, Thinking, Fast and Slow, Daniel Kahneman, the renowned psychologist and winner of the Nobel Prize in Economics, takes us on a groundbreaking tour of the mind and explains the two systems that drive the way we think. System 1 is fast, intuitive, and emotional; System 2 is slower, more deliberative, and more logical. The impact of overconfidence on corporate strategies, the difficulties of predicting what will make us happy in the future, the profound effect of cognitive biases on everything from playing the stock market to planning our next vacation―each of these can be understood only by knowing how the two systems shape our judgments and decisions." (Amazon)

Extraordinary Popular Delusions and the Madness of Crowds 

"Extraordinary Popular Delusions and the Madness of Crowds is an early study of crowd psychology by Scottish journalist Charles Mackay, first published in 1841. The book was published in three volumes: "National Delusions", "Peculiar Follies", and "Philosophical Delusions". Mackay was an accomplished teller of stories, though he wrote in a journalistic and somewhat sensational style." (Amazon)

The (Mis)behaviour of Markets: A Fractal View of Financial Turbulence   

"Mathematical superstar and inventor of fractal geometry, Benoit Mandelbrot, has spent the past forty years studying the underlying mathematics of space and natural patterns. What many of his followers don't realize is that he has also been watching patterns of market change. In The (Mis)Behavior of Markets, Mandelbrot joins with science journalist and former Wall Street Journal editor Richard L. Hudson to reveal what a fractal view of   the world of finance looks like. The result is a revolutionary reevaluation of the standard tools and models of modern financial theory. Markets, we learn, are far riskier than we have wanted to believe. From the gyrations of IBM's stock price and the Dow, to cotton trading, and the dollar-Euro exchange rate--Mandelbrot shows that the world of finance can be understood in more accurate, and volatile, terms than the tired theories of yesteryear. The ability to simplify the complex has made Mandelbrot one of the century's most influential mathematicians. With The (Mis)Behavior of Markets, he puts the tools of higher mathematics into the hands of every person involved with markets, from financial analysts to economists to 401(k) holders. Markets will never be seen as "safe bets" again." (Amazon)

The Inefficient Stock Market

"Sparked with wit and humor, this clever and insightful book provides clear evidence that the stock market is inefficient. In the author's view, models based on rational economic behavior cannot explain important aspects of market behavior. The book tackles important issues in today's financial market in a highly conversational and entertaining manner that will appeal to most readers. Chapter topics include: estimating expected return with the theories of modern finance, estimating portfolio risk and expected return with ad hoc factor models, payoffs to the five families, predicting future stock returns with the expected-return factor model, super stocks and stupid stocks, the international results, the topography of the stock market, the positive payoffs to cheapness and profitability, the negative payoff to risk, and the forces behind the technical payoffs to price-history. For anyone who wants to learn more about today's financial markets." (Amazon)

Where are the Customers' Yachts? 

 "Humorous and entertaining, this book exposes the folly and hypocrisy of Wall Street. The title refers to a story about a visitor to New York who admired the yachts of the bankers and brokers. Naively, he asked where all the customers' yachts were? Of course, none of the customers could afford yachts, even though they dutifully followed the advice of their bankers and brokers. Full of wise contrarian advice and offering a true look at the world of investing, in which brokers get rich while their customers go broke, this book continues to open the eyes of investors to the reality of Wall Street." (Amazon)

Solutions / Diligence = SUCCESS 

We are firm believers that most anything is possible if you're willing to do the hard work. Whatever challenges come up along the way, we'll make the most of and use to guide us in the right direction. Our daily engagement in this collaborative effort helps to not only achieve and protect your REAL financial well-being, it naturally sustains it through an authentic relationship that grows with time.

As an independent fiduciary, without commissions, hidden incentives, or conflicts of interests in the picture, GlacierWealth is able to deliver, implement, and maintain dynamic financial solutions that solely serve your best interests, even when you might happen to forget about them in the midst of daily life and volatile markets. To further protect against that possibility and risk, we have made sure the solutions utilized are readily accessible and easy-to-understand so you can apply and benefit from them each and every day. Explore the different scenarios and related planning areas below that you might find yourself in, along with the brief explanations of the recommended solutions. 



Your business is growing and you'd like to save more while increasing employee retention and financial well-being. Business Planning
Maximize your business's 401(k) or start a non-qualified plan to defer more revenue to you and your employees. Everyone wins.

You need some hands-on guidance on which investment strategies are right for you.Investment Management
Accomplish your short- and long-term objectives with an investment portfolio tailored according to your unique risk profile.

You’re in the middle of your career, just started a family, and have assets all over the place that need some organization. Financial Planning
Social Security, pension, stocks and more, we’ll identify all potential sources of income so you can look forward to your life past work.

You’ve recently started your own business and want to make sure you’re staying ahead of any future tax liabilities. Tax Strategies
Feel confident once filing season comes around with a strategic tax planning approach that keeps your numbers in order so no detail falls through the cracks.


As a business owner, you’re motivated, driven and always on the go. As a small business ourselves, we at GlacierWealth understand the stress that comes with managing personal finances while simultaneously tending to business matters. There is rarely enough time in the day to get the work done let alone deal with the administration. This is why achieving financial well-being is so important. It's why your doing all of this, right? If not, then why?

We build financial strategies to help grow your business while building your personal wealth.

The strategies we utilize are designed to fit your needs and the needs of your growing business to set you up for continued success. Through time-efficient collaboration, we’ll create a plan to fully optimize your assets and your overall financial wellness.  

  • Reducing or Deferring Taxes
  • Managing Your Company’s Retirement Plan
  • Enhancing Employee Retention
  • Increasing Employee Financial Wellness
  • Valuing Your Company
  • Planning for Business Transition 

If you’d like to implement a plan that will benefit both you as the business owner and those you employ, contact us today to discuss the business planning that makes sense for you.

Let's Make Some Time

Whether you’re five years away from retirement or 20 years away from retirement, we will help you create, implement, and maintain the financial strategies required to achieve your optimal retirement lifestyle. After evaluating your current financial situation, we will identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment.

Our financial planning services involve:

Your investment strategy and ensuring you’re investing your wealth in an actively managed global portfolio that best aligns with your objectives.

Your spending habits so you continuously make decisions that benefit your broader financial picture. 

Potential income streams and ways you can continue to contribute to your nest egg while still securing the basic necessities.

Get Retirement Ready

Deep knowledge and expert insight into global financial markets, investment psychology, and financial history allow GlacierWealth to construct a dynamically managed investment portfolio uniquely tailored to you. In addition to the rigorous management of your portfolio, we'll share, as appropriate and desired, the rationale and research driving the portfolio design so you’re well-versed in the logic of the ever evolving innovative approach. 

When you work with GlacierWealth, we will:

Identify Your Financial Objectives
We'll start with where you are today and where you want to be in your tomorrows.  As these objectives change, we’ll dynamically adjust our approach and your investment portfolio according to the current state of the market so you continue to generate returns.

Determine Your Optimal Risk Tolerance
Through a dynamic, realistic risk assessment, we’ll assess and determine the amount of risk required for you to achieve your goals. One variable we can manage is how much risk to take.  Let's use it to our advantage.

Follow a Timeline That’s Right For You
After outlining your objectives, we’ll design a strategy that aligns with your optimal timeline for achieving your returns given your specific risk tolerance.  Time can be both your friend or enemy depending on how it is managed.  

Let's Discuss

You don’t have a choice when it comes to paying taxes, but you can avoid making the mistake of overpaying them. While it’s hard to imagine anyone intentionally paying too much in taxes, the IRS estimates that more than one billion dollars is overpaid in taxes each year. That’s no surprise when tax laws change every year—even in years when no major tax legislation is enacted.

How much of that money is yours? Wouldn’t you rather see those funds in your bank account or put aside for your retirement or other financial goals?

Do you want to reduce your tax burden? Do you want to increase your assets? We can help!

GlacierWealth specializes in portfolio tax management strategies and will identify the tax-saving approaches that apply to your situation. We work on this throughout the year, not just when it’s time to prepare your return.

Would you like to find out how you can reduce your taxes?

You might be able to save on taxes by:

  • Maximizing qualified plan and IRA contributions
  • Restructuring the investment portfolio to produce higher after-tax returns
  • Shifting income producing investments
  • Utilizing tax efficient investments
  • Tax loss and gain harvesting
  • Advisory related fees minimization

If you’re like most people, your taxes represent one of your largest annual expenses, yet often little or no planning is done to minimize your tax bill. This is where we collaborate with your tax professional to assist with careful tax preparation and planning that can free up money you can use to achieve your goals.

Staying Ahead of Filing Season

Loyalty + Care = FIDUCIARY

GlacierWealth is not your typical financial or investment advisory firm. You'll need to look elsewhere for the comfort of the status-quo, salesmanship, and the false sense of security they offer. Our absolute focus is on what matters- empowering REAL financial well-being. As a fiduciary, we engage in authentic relationship and provide liberating alternatives to conventional financial advice, cookie-cutter investment management, and run-of-the-mill 401(k) solutions.  We invite you to learn more about us and the partnerships we have established to accomplish this good work by clicking below.  

Edward (Eddie) G. Rainford

As the grateful owner of GlacierWealth, I have been providing trustworthy, hands-on counsel to individuals, families, and business owners for over 25 years. These long-term client engagements exemplify the value and authenticity I readily pour into each relationship.

I graduated from Willamette University in Salem, OR, with a bachelor’s degree in Business Economics and a minor in Religious Studies. While at it, I also garnered a few collegiate football records playing for an incredible team. Desiring to continue to compete and thinking that hard work and integrity are what matters most, I went on to pass various financial industry exams (Series 7, 6, 65, 63, 31) and work as a financial advisor in the conventional Wall Street model. The experiences gained during this time led to my determination that ‘fee-only’ financial advice and investment counsel were the only way to serve my clients.  Sales and the conflicts of interest that arise from them had to be eliminted.

In 2001, with the help of my amazing wife's typing skills and a mechanical typewriter, I founded the registered investment advisory firm that is now GlacierWealth, Inc. in order to focus my commitment, loyalty, and energy solely on my clients and their financial well-being. As my extensive real-world experience thwarted theoretical ideas, I sought out, developed, and integrated enhanced planning, investment, and tax strategies in order to assist clients with acheiving their REAL financial well-being.

Located in Whitefish, MT, I enjoy the privilege of living in Montana with my wonderful wife and amazing children. There are no greater gifts than faith, family, and time to embrace and honor it all, especially in a place so special. 

You know that old saying, "You are the company you keep?" We take it to heart, and that's why we thoroughly research and hand select partners that are accountable, honest, and experts in their field. Please click the links below to learn more about our trusted partners and resources.

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For over 50 years, we've had one focus: You.

Putting clients first has been our mission from day one.


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Make financial planning a breeze

RightCapital's platform transforms complexity into clarity with ease, precision, and dynamism.


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Financial Technology For Advisors And Firms

Success looks different for every firm. We have experience implementing technology for a range of different needs to help advisors of all business models fulfill their fiduciary responsibilities.


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A little about us

From our humble beginnings at the turn of the century, to the nation’s leading conflict-free retirement plan recordkeeper today—we never forgot about where we came from and who we’re here to serve.

The concept was simple enough for our founders in 2001: Build a conflict-free, full fee disclosure retirement plan solution with no hidden agenda. In short, a true fiduciary-friendly platform that transparently serves the needs of small business owners and their workers.


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America's Low Cost 401(k)

Retirement plans from Employee Fiduciary offer small businesses the same low fees, quality service and investment choice as plans sponsored by our country’s largest corporations.


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Your company needs executive benefit plans for your key people and shareholders. We design and implement top, competitive plans.

When you already know your benefit plan is working to give you a brighter future, you don’t have to wait for retirement to feel at ease. benefitRFP, Inc (bRFP) is a direct, high-end national provider of benefit & insurance plan solutions that uses high-speed data technology, white glove service, and the utmost integrity to help simplify an otherwise complex (and often time-biased) process.


ACTIVE > passive 

More than ever, it’s imperative to partner with an absolutely independent fiduciary advisor, like GlacierWealth, that solely serves clients' best interests and has built a 25 year reputation on personal commitment and excellence. It's foundational. Just as you seek specific qualities in an advisor, we find that the strongest relationships are forged with like-minded clients who are relationship focused, emotionally disciplined, and long-term investment oriented.

If you're a successful business owner with a 401(k) plan who would like to learn more about REAL financial well-being for yourself, your family, and those employees who depend on you, we should talk. There is so much we can accomplish...


643 Denver St., Ste 100 

Whitefish, MT 59937


By Appointment Only


Edward G. Rainford, AIF® 

Investment Counsel | Financial Advisor

T:  (800) 416-1063

E:  edward@glacierwealth.com

W:  www.glacierwealth.com

© 2012-2024 GlacierWealth, Inc. | Legal Notices