Rocky Mountain Financial Solutions Inc.

The firm provides discretionary and non-discretionary asset management and financial consultation to individuals, high‑net‑worth clients, trusts, estates, charitable organizations, and business entities, and also works with qualified retirement plans. It offers ERISA plan services, including acting as a 3(38) investment manager, assisting with investment policy statements, selecting qualified default investment alternatives, and conducting participant education.

The firm’s investment approach emphasizes long‑term (10+ year) strategies with asset allocation as the primary decision driver, using fundamental and technical analysis, periodic rebalancing, and tax‑aware placement; portfolios are constructed from stocks, ETFs, mutual funds, index funds and, when appropriate, covered‑call option overlays or third‑party sub‑advisors. Clients may engage the firm on a discretionary or non‑discretionary basis, and the firm monitors legacy non‑traded assets without assessing fees on those hard‑to‑value holdings.

Compared with many solo independent advisers, the firm is notable for combining ERISA 3(38) pension consulting with an affiliated insurance practice: the firm’s principal is a licensed insurance agent who may receive commissions on insurance sales (the brochure discloses this potential conflict and notes insurance activity consumes less than 1% of the principal’s time). The firm manages roughly $12.2 million for about 39 clients and participates in a Schwab institutional program, reflecting a small‑firm scale that nonetheless uses institutional custody and service arrangements.