Our services
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.
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.
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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.
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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.
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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
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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
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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.
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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
Are you hoping that your loved ones can avoid confusion, disorganization, and messy probate court after your passing? Are you worried about what will happen to your family if something happens to you? Through our partnership with Wealth.com, we can resolve these fears.
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Your plan begins with the people and values that matter most to you. Together, we’ll clarify:
Who inherits your assets
Who should care for your children or dependents if you’re not here
How to provide for loved ones with special needs or those not ready to manage money
Who will make health and financial decisions should you become unable
We guide you through decisions that can feel overwhelming, so your family is protected and your wishes are clear.
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Once your wishes are outlined, we make sure everything actually gets done. Behind the scenes, we:
Coordinate with your attorney and CPA so all documents and accounts are set up properly
Provide a dedicated estate planning liaison — your project manager for retitling accounts, updating beneficiaries, and tying up loose ends
Use Wealth.com’s digital vault to keep everything organized, accessible, and easy to update
Check in regularly so your plan evolves as your life changes
This way, your loved ones won’t be left with confusion or unfinished details.
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What You’re Paying For
You’re investing in more than a stack of documents. You’re paying for:
Protection for your family with clear, thoughtful planning
Confidence your assets go where they should without delays or disputes
Relief for your loved ones who won’t be left sorting through a mess
Ongoing support that ensures your plan stays current
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Most firms stop at paperwork. We don’t.
With Wealth.com, you get a modern, user-friendly platform to organize everything.
With our team, you get hands-on, concierge-style guidance that makes sure no detail is missed.
Together, we provide something rare: a process that’s both tech-savvy and deeply personal.
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A good estate plan gives your family clarity when they need it most. It protects the people you love, makes sure your assets are handled the way you want, and relieves your loved ones of unnecessary stress.
We’re proud to help you create a plan that reflects your values, protects your family, and gives you peace of mind about 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.
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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.
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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.
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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.
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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.
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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.
Frequently Asked Questions
We’d like to answer some of the questions we commonly get asked as financial advisors
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Short answer: Yes.
Longer answer: Instead of buying, say, 50 shares of Apple directly, we typically invest in baskets of companies (mutual funds or ETFs). These baskets might include Apple alongside dozens of other leading companies. This way, if one company struggles, the others help balance things out.
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Short Answer: No. Every portfolio is customized.
Longer answer: Every portfolio is customized. Some clients prefer higher-risk strategies with long-term growth potential, while others want steadier, lower-risk growth. Most clients fall somewhere in between. We build portfolios based on your goals and comfort with risk.
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Short Answer: Proven and innovative opportunities.
Longer Answer: We focus on investments with a strong track record of success, while also researching innovative areas like AI and new technologies. Every product we use is carefully vetted before going into a client portfolio.
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Short Answer: We build at least some protection into every portfolio.
Longer Answer: Markets go up and down — that’s normal. To protect your portfolio, we include “failsafes” such as buffered ETFs, bonds, or defensive sectors. The amount of protection depends on your risk comfort, but our goal is always to keep you on track for long-term growth.
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Short Answer: Yes. We see AI as a major growth area.
Longer answer: We believe AI has strong long-term potential across many industries. However, because it also carries risks (like volatility and the energy demands behind its infrastructure), we invest through diversified mutual funds that include AI companies along with other sectors. This balances risk while still capturing growth opportunities.
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Short Answer: Yes, but only when it fits the client.
Longer answer: Cryptocurrency is high-risk and high-reward, so we only include it if it matches a client’s goals and comfort level. When it makes sense, it can be a small but impactful piece of a diversified portfolio.
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Short Answer: Daily monitoring with long-term focus.
Longer answer: We monitor portfolios every day. Depending on your strategy and goals, we may hold, adjust, or sell positions. Our approach combines short-term oversight with long-term planning to keep your money working.
