Whitefish, MT Office

KilterHowling serves individual and high-net-worth clients, charitable organizations, and retirement plans, providing discretionary asset management, retirement consulting, and participant-directed plan services. The firm manages approximately $292.9 million in discretionary assets for about 203 clients through a four-advisor team and also offers financial planning and as-needed consultations to its asset management clients.

Investment implementation relies primarily on model portfolios built with exchange-traded funds, mutual funds, individual securities and, when appropriate, third‑party managers and private investment funds; core offerings include Diversified Equity and Diversified Bonds strategies with ESG and individual-stock satellite options. Portfolios are managed mainly on a discretionary basis, reviewed at least semi-annually, and the firm says it does not pursue market timing while allowing clients to impose reasonable investment restrictions.

Several operational features distinguish the firm from many peers: financial planning is provided at no additional charge to asset management clients and the firm does not impose a formal account minimum, while it will recommend private investment funds to a limited number of financially qualified clients. KilterHowling also declines to vote proxies on clients’ behalf—leaving proxy voting to account holders—and predominately custodians client assets at institutional platforms that provide research and practice-management services to the firm.