Rocky Mountain Financial Solutions Inc.

Yes. Our clients live all over the United States. Everything we do can be accomplished with a phone and a computer.

Fee-only means no commissions from investment products. Management fees depend on your needs and complexity, and are a transparent line item on every statement.

Besides being fee-only, independent, and operating under the fiduciary standard, there are three really important things about our firm that separate us from others: 1) Retirement planning and investment management focus with a simple goal of making sure you reach your financial goals. 2) Limit the number of new clients to deliver max value and personalized service. 3) Investment in leading technology to simplify our clients' lives and make the retirement planning process easy.

A second opinion is a complimentary review of your investments and retirement plan as it stands today. We can determine if you are heading in the right direction, or need to change course. Does it make sense for someone to speak to a doctor to check their health if there is no cost? A second opinion is just that. If you are good, we will confirm and send you on your way. If you need to see a specialist to improve your financial health, we will let you know. And there is no obligation to work with us.

Fee-only, aka no commissions from "hard-sell products." Fiduciary standard of care, meaning your interest come first throughout the entire length of our relationship. Independent - the shingle we hang is our own, not a national brand where we report to a manager telling us to push a product at all of our clients to make the "company trip." If you’re looking for an advisor who will trade stocks to “beat the market,” you’re in the wrong place. We only focus on what you can control. Predicting if the stock market will go up or down, or guessing what interest rates will do next, are not things you can control. But if you’re interested in things like lowering tax consequences, investing smarter, and creating a reliable income stream in retirement, you’re in the right place.

Yes, if paying off debt is part of your financial goals we will build a plan that includes eliminating or paying down your outstanding debts.

Understood. You need to start somewhere. The important part is getting a plan in place. The sooner you define why you are busting your ass in scrubs, the sooner your goals can be reached.

To be expected. The majority of our clients come from an existing advisor relationship that for whatever reason is no longer working for the clients. This includes lack of communication, not meeting with or hearing from in years, the previous advisor was retiring (or changing careers), the clients were passed on to a new/younger advisor at the firm whom they did not have a connection, the clients are unsure of the advice they are receiving, the clients did not feel as though their interests were front of mind with the previous firm, to name a few.