James C Wangerin, CPA/PFS
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides portfolio management services primarily to individual clients and also offers services to small businesses and non-profits, managing roughly 61 client relationships and about $5.15 million in assets. In addition to investment advice, the adviser is affiliated with an accounting practice and an insurance company and may offer accounting guidance and insurance products through those affiliated entities.
Clients may select discretionary management (implemented primarily via an automated advisor platform) or non-discretionary management (custodied at a discount broker), and the firm implements strategies using stocks, mutual funds, index funds, ETFs, bonds and stock options while monitoring accounts on both periodic and event-driven bases. The brochure notes use of short-term Treasury exposure (e.g., SGOV) and the use of options, and describes review triggers such as significant market moves and option expirations.
Distinctive features include the adviser’s dual role as an accountant and as an insurance agent under common control of affiliated firms—an uncommon combination among independent RIAs—and a current asset mix that is primarily non-discretionary rather than discretionary. The firm also combines automated-advisor onboarding and low-cost ETF access with a discount-broker custody option and discloses arrangements to direct clients to third-party advisers for which it may receive fee-sharing compensation.
Client services
Expertise
Fee options
$0 - $199,999: 1% per annum $200,000+: 0.25% per annum $0 - $4,999,999: 0.50% per annum (Advisor's Fee) + 0.25% per annum (Betterment’s Fee) = 0.75% total fee $5,000,000 - $14,999,999: 0.50% per annum (Advisor's Fee) + 0.20% per annum (Betterment’s Fee) = 0.70% total fee $15,000,000 - $24,999,999: 0.50% per annum (Advisor's Fee) + 0.15% per annum (Betterment’s Fee) = 0.65% total fee $25,000,000+: 0.50% per annum (Advisor's Fee) + 0.12% per annum (Betterment’s Fee) = 0.62% total fee
Main office
413 Main Street
Deer Lodge MT 59722
Advisors at this office
1
Most active in
Montana
Also doing business as
James C Wangerin, Cpa/Pfs · Wangerin, James C
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
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.
-
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
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)