Opulence Planning

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Client assets under management

$10,321,099

Clients

23% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

$469,141

About

Opulence Planning serves individual clients — including high‑net‑worth individuals — as well as charitable organizations, corporations and employer plan sponsors. The firm offers discretionary investment management alongside comprehensive and project‑based financial planning, retirement plan consulting, benefits management, business planning, and educational seminars.

Its investment approach emphasizes strategic asset allocation grounded in Modern Portfolio Theory, with a primary use of passive, index‑based funds and ETFs complemented by tactical tilts and third‑party model managers and platforms. Accounts are managed on a discretionary basis and, unusually for a firm of its size, investment services are provided exclusively through a wrap‑fee program that bundles advisory, trading, and transaction costs.

Distinctive features include a regular program of client education — public seminars and employer “lunch‑and‑learns” tied to its benefits management work — and a small organizational structure led by a single principal CFP® supported by a second advisor. The firm manages roughly $10.3 million for about 22 clients, discloses its exclusive wrap arrangement and the use of outside model providers, and provides ERISA fiduciary consulting for retirement plans.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

Business exit / sale strategy Retirement withdrawal strategies Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance

Fee options

Fixed

Comprehensive Financial Plan: $1,650 to $6,750 annually (fixed fee); Project-Based Financial Plan: $300 to $7,500 per project; Retirement Plan Consulting: $1,500 or $3,000 fixed fees depending on plan type and account size

Percentage

$0 - $750,000: 1.25% $750,001 - $1,500,000: 1.00% $1,500,001 - $4,000,000: 0.75% $4,000,001+: 0.50%

Main office location

Opulence Planning

Helena MT, United States

Number of offices

Most active in

Montana

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

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

Form ADV Part 2: Client Brochure

Quick links

Website (406)459-7354

Advisors at this firm

Brandon N

CFP®, Series 63

Chinook, MT

Opulence Planning

Brandon Nissen is a CFP® and Series 63-licensed financial advisor with over 10 years of experience in the industry. He is the sole advisor at Opulence Planning, an independent firm he joined in 2026, and previously worked at Northwestern Mutual Investment Management for eight years. Outside of his advisory role, he is involved with Brickcent$, a venture he has been associated with since 2022. Opulence Planning offers portfolio management, financial planning, retirement plan consulting, and educational seminars to individuals, high-net-worth clients, charitable organizations, and businesses. The firm emphasizes strategic asset allocation and Modern Portfolio Theory, often utilizing passively managed portfolios with index funds and ETFs, and operates a wrap-fee program alongside workplace benefits management and client education initiatives.

Business exit / sale strategy Retirement withdrawal strategies Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance

Jonathon B

CFP®, Series 63

Helena, MT

Opulence Planning

Jonathon Butler is a CFP® with 10 years of industry experience currently serving as the sole advisor at Opulence Planning. He previously worked at MassMutual and Northwestern Mutual before founding his independent firm. Outside of advising, he is the sole managing member of a residential rental property business in East Helena, MT. Opulence Planning provides portfolio management, financial planning, retirement plan consulting, and educational seminars to individuals, high-net-worth clients, charitable organizations, and businesses. The firm emphasizes strategic asset allocation and Modern Portfolio Theory, often implementing passively managed portfolios and offering a wrap-fee program alongside consulting and client education services.

Business exit / sale strategy Retirement withdrawal strategies Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance

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