Bozeman, MT Stadium Dr Office

Professional Financial Management, Inc. provides financial planning and discretionary portfolio management to individuals, trusts, business owners, charitable foundations, and sponsors of qualified retirement plans, including both participant-directed plans and pooled employer plans. The firm operates with a small advisory team and manages just over $300 million in client assets across a concentrated client base.

The firm’s investment approach emphasizes globally diversified, low‑cost, institutional‑class mutual funds with a deliberate tilt toward small‑capitalization and value equities and an allocation to short‑ and mid‑term fixed income to reduce volatility and support periodic withdrawals. Portfolios are implemented using written investment policy statements, with attention to tax efficiency and coordination with clients’ other professional advisors.

Compared with many peers, the firm stands out for offering ERISA fiduciary services such as discretionary 3(38) investment‑manager responsibilities and pooled employer plan management despite its small advisor count. Other notable operational practices include institutional access to Dimensional-style funds for low‑turnover, tax‑aware implementation, treating complex planning projects as separate hourly engagements, a general policy of not aggregating most client trades for tax reasons, and a documented priority protocol for rebalancing after major market events.