Chinook, MT Office

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.