Our approach

Whether it's investment management, retirement planning, estate planning, employee 401(k) management or tax efficient financial planning, we help our clients make smart, informed decisions — not just about their money, but about their future.

A dark blue square with rounded corners and the words 'Investment Management' in beige in the center.
A navy blue square with rounded corners and the words "Retirement Planning" in beige text in the center.
Blue background with gold text that reads 'Employee 401k Management'.
Text on a dark blue background reads 'Tax-Efficient Financial Planning' in beige font.
Slide with navy background and beige text that reads "Estate Planning."

Investment Management

At Northern Monarch Capital, investment management is more than just picking funds — it’s about helping you feel confident and in control of your financial future.

  • Your investment strategy begins with you. Before we ever recommend a single investment, we have thoughtful conversations about:

    • Your goals – Are you investing for retirement? A major life event? A long-term legacy?

    • Your timeline – Do you need access in 5 years, 10 years, or longer?

    • Your comfort with risk – What does risk actually mean for you, and how do we build a portfolio that respects your boundaries?

    We believe your understanding of what you're investing in is just as important as the investments themselves. That’s why we take the time to explain our approach and the tools we use — so you can feel at ease and empowered in every decision we make together.

  • While your portfolio grows, we’re actively managing and monitoring it every step of the way. That includes:

    • Choosing high-quality funds, not individual stocks – We vet and select funds with strong track records and top-tier managers.

    • Comparing and evaluating constantly – We don’t "set it and forget it." We continuously compare our fund selections to industry alternatives and make updates as needed.

    • Monitoring global and domestic economic trends – From Federal Reserve policy to international markets, we stay on top of what’s happening and adjust strategies when opportunities or concerns arise.

    • Blending strategic and tactical allocation – Your long-term structural allocation reflects your overall risk and return goals. But we also make tactical adjustments — like adding international exposure — when the market tells us it's time.

  • You’re not just paying for asset allocation. You’re paying for years of experience, continuous research, and an investment plan tailored to your life. We focus on:

    • Smart fund selection, based on your goals and risk profile

    • Constant monitoring and adjustments

    • Easy-to-understand communication, no jargon

    • A deep understanding of how to protect and grow your investments — especially as you approach or enter retirement

  • Clear, approachable communication
    Unlike some large firms or boutique advisors, we put a premium on making complex ideas understandable. We don’t talk over our clients — we talk with them. Our job is to help you feel informed, involved, and confident in your plan.

    Innovative investment thinking
    We seek out new strategies, products, and technologies to keep your portfolio ahead of the curve.

  • We believe good investment management can bring clarity, comfort, and confidence into your life. It helps you stay on track toward what matters most — whether that's retiring comfortably, funding your child’s education, or simply knowing your money is working for you.

    More than anything, we value the peace of mind we bring our clients. And we’re proud to be the guide who helps you navigate your financial journey.

Retirement Planning

Retirement is one of life’s biggest transitions — and it can feel like one of the most uncertain. At Northern Monarch Capital, we simplify the process so you can plan confidently—no matter where you are on your journey.

  • We begin by asking the questions that matter most:

    • What do you want your retirement to look like?

    • How much income will you need, and when?

    • What are your options for saving, investing, and drawing income?

    Retirement planning isn’t one-size-fits-all. It’s a collaboration — and we walk alongside you to help build a plan that reflects your goals, your values, and your lifestyle.

    We also help you understand your options clearly — from IRAs and 401(k)s to pensions, Roth accounts, and other income sources. The goal is to demystify the process so you can make confident, informed decisions.

  • Planning early is key to a successful retirement.

    If you’re still working, we’ll help you:

    • Determine how much you need to save — and how to stay on track

    • Choose the right vehicles (e.g., 401(k), IRA, Roth, etc.) for your goals and tax situation

    • Adjust as life changes — because your plan should evolve with you

    • Check in regularly to ensure you're progressing toward your retirement target

    We don’t just help you create a plan — we help you stick with it. Consistency and accountability are where most retirement plans succeed or fail, and we’re here to help you follow through.

  • Once you’ve entered retirement, the strategy shifts — and we shift with you.

    Our focus becomes:

    • Creating a smart, tax-conscious withdrawal plan

    • Determining which accounts to draw from first (and why)

    • Balancing income needs with long-term portfolio sustainability

    • Minimizing market risks, managing inflation, and building in contingency plans

    We help ensure your income keeps up with inflation, your portfolio stays strong, and your money lasts through every chapter of your retirement.

  • You're investing in decades of experience, research, and retirement-specific insight.

    You’re paying for:

    • Personalized strategy based on your goals, timeline, and income needs

    • Expert guidance through savings, distributions, and everything in between

    • Ongoing monitoring and adjustments — not just a one-time plan

    • Clear, consistent communication from a team that knows you by name

    We don’t just hand you a binder of projections and send you on your way — we stay in touch, follow up, and help you make real progress toward your retirement vision.

  • Many firms take a "set it and forget it" approach to retirement planning. We don’t.

    Here’s what sets us apart:

    • Exceptional communication – We’re proactive in following up, responsive when you reach out, and consistent in our check-ins.

    • Innovative income planning – We use strategies and investment mixes designed to outpace inflation and reduce volatility, which helps preserve your principal and avoid unnecessary stress on your portfolio.

    • Tailored service for every stage – Whether you’re five years out or five years in, we tailor our approach to your needs and adjust over time.

Employee 401K Management

At Northern Monarch Capital, managing 401(k) plans isn’t just about compliance and fund menus — it’s about helping businesses build smarter benefits and employees build better futures.

  • We partner with business owners to make strategic decisions around:

    • Which type of plan best fits your company – whether it’s a 401(k), SIMPLE IRA, or individual 401(k)

    • How to design contributions to attract and retain top talent

    • How owners and high earners can maximize contributions without triggering IRS limits

    • How to stay competitive with larger employers without breaking your budget

    We tailor your plan design to meet your goals — whether that’s rewarding key employees, improving participation, or simply streamlining administration.

  • We handle the complexity so you can focus on your business. Behind the scenes, we:

    • Act as fiduciary partners, sharing responsibility and reducing your risk

    • Vet and monitor investment options, selecting cost-effective, high-quality funds

    • Coordinate with all plan providers — recordkeepers, third-party administrators, and custodians

    • Provide employee education, including one-on-one meetings to improve participation and understanding

    We also keep you informed with annual trustee meetings, compliance check-ins, and ongoing communication — so you’re never left in the dark.

  • When you hire us, you’re hiring:

    • A proactive partner who takes ownership of the plan

    • A team that manages both the big picture and the daily details

    • An educator who ensures your employees know how to use the benefit you’ve invested in

    • A resource who helps resolve issues quickly and effectively

  • Most 401(k) advisors are hands-off. We’re not.

    We go beyond the annual group meeting. We sit down with each employee, answer questions in plain language, and offer real guidance — not just generic slides.

    Our team communicates consistently with plan sponsors and keeps the plan running smoothly. Recordkeepers often tell us we’re among the most involved and responsive firms they work with.

  • A strong retirement plan helps your employees feel secure, valued, and loyal. It builds morale, supports financial wellness, and enhances your recruiting and retention.

    For owners, it’s also a powerful way to reward top performers — and reduce taxes.

    We’re proud to be the partner that makes your plan better — for you and for the people who help your business succeed.

Estate Planning

We at Northern Monarch Capital take the time to truly understand your wishes and help ensure your assets are passed on smoothly — without added stress for your loved ones. We educate you on options you may not have considered, so you can make confident, informed decisions.

  • Estate planning starts with your vision for the future. We help you clarify:

    • Who will inherit your assets – and how, when, and why.

    • Who would care for your children or dependents if something happened to you.

    • How to care for loved ones with special needs, or those who may not be ready to manage an inheritance.

    • What role charitable giving plays in your legacy.

    We guide you through the questions that matter most — the ones that can feel overwhelming without the right support. Then we help translate your answers into a clear, actionable estate plan.

  • Estate planning doesn’t stop once the documents are signed — that’s where our work begins. Behind the scenes, we:

    • Coordinate with your attorney and CPA to ensure everything is implemented properly.

    • Provide an estate planning liaison who acts as a project manager — helping you re-title accounts, update beneficiaries, and complete all the “to-dos” that often fall through the cracks.

    • Make the process efficient and organized, so you can finally get it done and feel confident it’s done right.

    We also check in regularly to update your plan as your life evolves — because a good estate plan should grow with you.

  • You’re paying for far more than a plan on paper. You’re paying for:

    • A trusted guide to help you navigate emotional and complex decisions

    • A clear process to reduce procrastination and ensure follow-through

    • Coordination with all your financial and legal professionals

    • A team that keeps things moving forward, even when life gets busy

  • Unlike many advisors, we don’t just deliver documents and walk away. We walk alongside you — helping you understand your options, clarify your goals, and complete the process with confidence.

    We offer a dedicated estate planning liaison — someone who keeps the plan on track and ensures every detail is implemented. That level of support is rare — and makes all the difference.

  • A thoughtful estate plan provides more than protection — it brings peace of mind.

    More importantly, it reflects what matters most to you. We’re proud to help you build a legacy that honors your values, protects your family, and gives you confidence for the future.

Tax-Efficient Financial Planning

At Northern Monarch Capital, we use smart, tax-efficient strategies to protect your wealth and reduce unnecessary taxes — so more of your money stays invested and growing.

  • We start by understanding your goals:

    • What are you saving for?

    • When will you need the money?

    • Who will inherit these assets, and how do we make that transition tax-efficient?

    Together, we map out a plan that minimizes unnecessary tax burdens — both now and in the future.

  • A lot happens beyond meetings — and that’s where we shine.

    Here’s what we’re doing to protect and grow your wealth, even when you’re not thinking about it:

    • Monitoring tax law changes to spot opportunities that apply to your specific situation

    • Reviewing your investment accounts to manage gains, losses, and tax-sensitive holdings

    • Strategically placing investments in accounts where they’ll be taxed least

    • Collaborating with your CPA or attorney to keep your estate and tax strategies aligned

    This is where deep experience makes the difference — helping you avoid costly surprises and take advantage of the rules others overlook.

  • You’re paying for the knowledge and strategy to turn tax rules into tools.

    We help you:

    • Select investments that minimize tax impact

    • Understand the tax treatment of different accounts (like Roths, IRAs, trusts, joint accounts, etc.)

    • Strategize asset withdrawals to avoid unnecessary tax burdens

    • Pass wealth to loved ones as tax-efficiently as possible

    It’s not about tax prep — it’s about tax-smart planning built into every financial decision.

  • We don’t just look at numbers — we look at the full picture.

    Unlike many advisors who focus on just the investments, or CPAs who focus on the past, we bring everything together.

    • We guide, not just report. CPAs are experts in filing and compliance. We're focused on strategy — helping you use tax law to shape smarter financial decisions.

    • We quarterback your financial team. Whether it’s your CPA, attorney, or another advisor, we coordinate the effort to ensure your entire strategy works together.

    • We communicate clearly. Our goal is for you to understand your plan, not just follow it. We take the time to explain what we’re doing — and why.

  • We believe in making your financial plan simpler, smarter, and more efficient. Our job is to take the complexity off your shoulders, so you can focus on what matters most.

    With the right guidance, you don’t have to be an expert in tax law — you just need a team that is.

Take the first step toward financial peace of mind, today.