Bigfork, MT Foothill View Lane Office

Life Planning Advisors provides asset management, financial planning, estate, tax and risk-management planning, and referrals to third‑party portfolio managers while performing initial due diligence and ongoing reviews. The firm serves individual and high‑net‑worth clients as well as business entities, reporting about $153.98 million of assets under advisement across roughly 958 client relationships, managed almost entirely on a non‑discretionary basis.

The firm develops a model Investment Policy Statement for each client and implements diversified portfolios that emphasize low‑cost, tax‑efficient passive mutual funds and ETFs (including access to some institutional-only funds), with periodic rebalancing and tactical tilts toward small‑cap and value exposures. Life Planning Advisors typically operates in a non‑discretionary role—making recommendations, providing quarterly portfolio reports and annual realized gains/loss reports, and referring clients to third‑party managers who may exercise trading discretion.

Noteworthy features compared with many peers include a high client load per advisor (roughly 240 clients per adviser) and the concentration of assets as non‑discretionary, which influences trade aggregation and execution. The brochure also discloses referral arrangements with third‑party managers and an affiliated insurance broker that may sell insurance products to advisory clients, which the firm identifies as potential sources of conflicts to be managed.