Whitefish, Kalispell, Missoula, Bozeman, Portland, Boise, and the cities between. Construction and trades, hospitality and property management, professional firms, manufacturing, and family businesses that have been here longer than we have.
The common thread is not size, it is responsibility. If your company sponsors the plan, you are almost certainly a fiduciary under it, whether or not anyone ever told you so. That is a personal obligation, and it does not move because a provider handles the paperwork.
We also work with clients well outside the region. Proximity is a convenience, not a requirement, and most reviews can be done through a secure virtual office.
This is a proximity-and-trust decision, and it should be. A retirement plan is a multi-decade obligation with your name on it, and reading a filing across a table is a different conversation than reading it over a screen.
Bring the Form 5500-SF, the 408(b)(2) disclosure, and the fund lineup. We read them together and tell you what they say, including the parts that are unflattering to us.
We work alongside CPAs, third-party administrators, and ERISA counsel across the Northwest. When something is outside our lane, we say so and hand it to someone whose lane it is. Accountants: see the CPA referral page.
Independent since 2001, one office, one person accountable for the advice. Our regulatory record is public, and every page of this site links to it.
The review is a reading of your own filing and your own documents. No pitch, no product, no obligation.
Code 2R on the filing is the first thing we check, and the one fact the public record states plainly. Without it, the money is managed only through the plan’s preset menu of funds. With it, a participant, or a professional acting for one, can manage that account in real time. What code 2R means.
Costs are either paid by the company as a deductible business expense or deducted from retirement balances, where the largest balance pays the largest share. Most small plans file the Form 5500-SF, which carries no Schedule C, so this one is confirmed from your 408(b)(2) disclosure rather than the public record. Who really pays plan fees.
ERISA §402(a) requires a named fiduciary in the plan document. Roles can be delegated; the duty to select and monitor whoever you delegated to stays with you. What §402(a) requires.
If you would rather look first yourself, how to read your own Form 5500 walks through the free public search, and the owner’s overview explains what the finished review contains.
GlacierWealth, Inc.
643 Denver St., Ste. 100
Whitefish, MT 59937
800/416-1063
edward@glacierwealth.com
By appointment, in the office
or wherever the plan documents are.
Serving Whitefish, Kalispell, Columbia Falls, Bigfork, Polson, Missoula, Bozeman, and clients elsewhere in the United States where the firm is registered or exempt.
Send the company name. We pull the public filing, read it against the three tells, and come back with what it says. If nothing needs attention, we tell you that.