Seasoned, retirement plans for business owners (SEP, solo 401k) financial advisors in Kalispell, MT
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you own a business and want to set up a retirement plan like a SEP or solo 401(k), you need an advisor who understands how these plans fit your unique business cash flow and tax situation. A common mistake is choosing a plan without considering how it impacts your business finances and your personal retirement goals. Seasoned advisors bring decades of experience, helping you navigate these complexities with confidence.
- Plan type suitability. Ask how they determine whether a SEP or solo 401(k) best matches your business size and income variability.
- Contribution strategy. Confirm they help you balance maximizing retirement savings with maintaining enough cash flow for your business operations.
- Tax implications. Discuss how they integrate your retirement plan choices with your overall tax picture, including Montana's lack of sales tax.
- Compliance and updates. Ensure they keep you informed about plan rules and changes that could affect your retirement savings and business compliance.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Thomas A
Series 66
Kalispell, MT
IP Financial Advisory Services LLC
Thomas Adolph brings 26 years of experience advising business owners on retirement plans like SEP and solo 401(k), ensuring alignment with cash flow and tax considerations in Kalispell, MT. His firm offers flat-fee consulting ranging from $500 to $20,000 and focuses on customized portfolios for individual retail clients, differentiating him from advisors targeting high-net-worth individuals or using solely asset-based fees.
Experience: 27 years
Avg account: $240,578
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Wendell W
Series 63, Series 66
Somers, MT
Edward Jones
Wendell Whitman offers seasoned expertise in retirement plans for business owners, including SEP and solo 401(k) options, supported by 38 years at Edward Jones. His experience as a founder and the firm's large-scale resources provide a comprehensive approach, balancing retirement income strategies with estate planning and a fee structure up to 1.35% annually, distinguishing him from other advisors in the Kalispell area.
Experience: 38 years
Avg account: $246,728
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John B
Series 63, Series 66
Kalispell, MT
Cetera
John Barrett's 32 years of experience and expertise in retirement plans for business owners make him well-equipped to advise on SEP and solo 401(k) plans in Kalispell, MT. His background as a CPA and business owner, combined with Cetera's large-firm resources and flat-fee planning options, distinguishes him from other advisors by integrating tax strategies with business and retirement planning.
Experience: 32 years
Avg account: $306,089
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Donald R
CFP®, Series 63
Kalispell, MT
LPL Financial
Donald Rich brings 46 years of experience in retirement plans for business owners, including SEP and solo 401(k) options, making him well-equipped to address the unique cash flow and tax considerations of Kalispell business owners. Affiliated with LPL Financial, a large firm offering diverse client services and supported by in-house research, he provides flat-fee financial planning and holds CFP® and Series 63 designations, distinguishing him from other advisors in the area.
Experience: 46 years
Avg account: $399,489
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Brock M
Series 63, Series 65
Whitefish, MT
Composition Wealth, LLC
Brock Moseley specializes in retirement plans for business owners, offering seasoned guidance with 22 years of experience and a focus on SEP and solo 401(k) plans. Operating from Whitefish, MT, he provides flat-fee financial planning through Composition Wealth, which manages $6.7 billion using a long-term, diversified investment approach, distinguishing him from other advisors by combining extensive expertise with a broad client base and independent status.
Experience: 22 years
Avg account: $2,294,868
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