Lolo, MT Office

Northwest Investment Advisors, Inc. provides individualized investment supervisory and financial planning services to individuals, trusts, estates, charitable organizations, and business entities, typically accepting accounts with a minimum of $25,000 and managing roughly 115 client relationships with about $45.3 million in reported assets. Services include advisory account management, project‑based planning engagements, and referrals to third‑party portfolio managers, including participation in a wrap‑fee program offered through Orion Portfolio Solutions.

The firm delivers advice almost exclusively on a non‑discretionary basis, using client profiles and fundamental analysis to tailor portfolios, permitting clients to restrict certain securities and scheduling regular reviews (monthly for management and quarterly for third‑party managed portfolios). When appropriate, NWIA selects and oversees outside managers rather than relying on a single pre‑determined model, and it provides reporting to clients via custodians and third‑party platforms.

Noteworthy distinctions include operating both as a registered broker‑dealer and as an investment adviser while also functioning as a licensed life and disability insurance agency, with adviser representatives who may receive sales‑based compensation for broker‑dealer transactions—arrangements the firm discloses as potential conflicts of interest. The brochure also discloses a prior disciplinary matter (a client complaint filed with FINRA in 2017 and finalized in 2018) and emphasizes that the firm’s reported advisory assets are managed on a non‑discretionary basis, features that are uncommon among comparable team firms.