Pathfinder Planning and Investments
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$122,102,243
Clients
78
Advisors
2
of 2 employees
About
Pathfinder Planning and Investments provides wealth management and financial planning services to individuals and charitable organizations, delivering ongoing investment management as well as one-time, project-based planning engagements. The firm operates on a fee‑only basis and may recommend or utilize Outside Managers and model portfolios, including participation in the Altruist Model Marketplace, to implement client strategies.
The firm’s investment process is grounded in Modern Portfolio Theory with a focus on asset allocation, combining passive and active vehicles, employing asset‑location principles for tax efficiency, and offering socially responsible (ESG) options when requested. Accounts are typically managed on a discretionary basis, reviewed quarterly, and custody, execution, and reporting are handled through its recommended custodial platforms (Altruist and Charles Schwab).
Notable operational features include the provision of public and group educational seminars and speaking engagements (fee range $0–$2,500), a small advisor team managing roughly $122 million in AUM, and a trading practice that implements client orders on an individual basis rather than aggregating block trades. The firm also enforces a $500,000 account minimum (waivable on a case‑by‑case basis) and requires clients to use its recommended custodians, which can influence execution and platform capabilities relative to peers.
Client services
Expertise
Fee options
$0 - $500,000: 0.85% $500,001 - $1,000,000: 0.65% $1,000,001 - $2,500,000: 0.55% $2,500,001 - $5,000,000: 0.45% $5,000,001+: 0.40%
$300/hour for Project-Based Financial Planning, fees negotiable
Account minimum: $500,000 Fee-only: Hourly fees for Project-Based Financial Planning at $300/hour, negotiable
Main office
27 Fort Missoula Rd., Suite 1
Missoula MT 59804
Advisors at this office
2
Most active in
Montana · Texas
Also doing business as
Pathfinder Planning And Investments · Stewart & Associates · Stewart & Associates, PLLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Hannah S
CFP®, Series 66, Series 65
Missoula, MT
Pathfinder Planning and Investments
Hannah Santa Cruz is a CFP® with 15 years of industry experience, currently serving as an advisor at Pathfinder Planning and Investments. Her prior roles include positions at Core Planning, Focus Partners Wealth, Churchill Management Group, Stockman Wealth Management, Peak Investment Management, and Ameriprise. Pathfinder Planning and Investments provides wealth management and financial planning services to individuals and charitable organizations, offering both ongoing investment management and project-based planning. The firm uses a Modern Portfolio Theory approach, combining passive and active investment vehicles with a focus on tax efficiency and socially responsible options.
Jill T
CFP®, Series 65
Missoula, MT
Pathfinder Planning and Investments
Jill Tripp is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Pathfinder Planning and Investments in Missoula, MT. She previously worked at Core Planning and Stewart & Associates PLLC. Outside of her advisory role, she is a member of JT Squared LLC and provides light bookkeeping and property information tracking services to an investment management client on a consulting basis. Pathfinder Planning and Investments offers wealth management and financial planning services to individuals and charitable organizations, utilizing a fee-only model and a disciplined investment approach based on Modern Portfolio Theory. The firm combines passive and active investment vehicles, applies asset-location principles for tax efficiency, and provides socially responsible investment options upon request.
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