Fiduciary Advisors · Caldwell, Idaho — Serving All 50 States
Build wealth with a plan that sees the whole picture.
Finance Modern Select blends disciplined investment management with healthcare-aware retirement planning — so medical costs never ambush the future you're working so hard to fund.
An advisory firm built around one truth: health shapes wealth.
Finance Modern Select was founded in 2022 in Caldwell, Idaho, with a simple observation: most financial plans ignore the single largest wildcard in retirement — healthcare. Since then, our fiduciary team has helped thousands of American households grow, protect, and pass on wealth with plans that price in medical reality from day one. Today we serve clients in all 50 states through secure virtual advice and a hometown work ethic.
Our Vision
A country where no retiree downsizes their life to pay a hospital bill — where every household retires with a plan that has already answered the hard questions.
Our Mission
To deliver fiduciary, commission-free financial guidance that grows assets deliberately and reserves for healthcare intelligently — one household at a time.
Our Values
Fiduciary always, in writing
Radical fee transparency
Education before products
Patience over performance theater
Plain English, never jargon
Long-term relationships, not transactions
Our Principles
We plan decades, not quarters. We fund healthcare reserves before funding luxuries. We measure success by our clients' funded retirements — never by assets gathered for their own sake.
Milestones & Metrics
Four years in, measured in funded retirements.
2022 — The Founding
Finance Modern Select opens its doors on South Indiana Ave in Caldwell, Idaho, with three advisors and a healthcare-first planning framework.
2023 — First 1,000 Households
Word of mouth carries us past our first thousand client families across the Mountain West.
2024 — $500M Under Management
We sign our fiduciary pledge into every client agreement and cross half a billion dollars in advised assets.
2025 — Licensed in All 50 States
Virtual-first advisory brings healthcare-aware planning to every corner of the country.
2026 — $2B+ and Counting
A 40-specialist team, 4,800+ households, and a 98% retention rate — and we're just getting started.
$0B+Assets under management & advisement
0+American households served nationwide
0States where clients trust our guidance
0%Client retention year over year
Why Choose Us
Advice you can't get from an app.
Robots can rebalance a portfolio. They can't sit with you, map your family's medical future, and tell you when the plan — not the market — needs to change. That's our job.
Every advisor is legally bound to act in your best interest. Our pledge is printed into every engagement agreement, not buried in a disclosure.
Healthcare-aware planning, our signature
We model long-term care, Medicare gaps, and out-of-pocket medical inflation directly into your retirement number — the wildcard most plans ignore.
Flat, transparent fees
One clear monthly subscription. No commissions, no AUM surprises, no incentive to sell you anything you don't need.
Credentialed specialists
CFP®, CPA-collaborative, and estate-coordination expertise on every file — so tax, legal, and investment decisions actually talk to each other.
Nationwide, technology-enabled
Secure video planning sessions, a live client dashboard, and same-day responses — from Caldwell, Idaho to all 50 states.
Zero product sales, zero conflicts
We don't sell insurance policies, annuities, or funds with trailing commissions. We sell nothing but advice — and we think it shows.
Work Process
From first call to funded future in four steps.
01
Discovery Call
A free 45-minute conversation about your goals, your family, and the numbers that keep you up at night.
02
Tailored Roadmap
We deliver a written plan: allocation strategy, healthcare reserve targets, and tax moves — in plain English.
03
Implementation
Accounts consolidated, contributions automated, portfolios rebalanced. You approve every step; we do the heavy lifting.
04
Ongoing Stewardship
Quarterly reviews, annual healthcare re-projections, and unlimited access to your advisor between meetings.
Our Services
Six solutions, one smarter financial plan.
Practical financial solutions designed to help you borrow confidently,
protect what matters, grow your wealth, and plan for a stronger financial future.
Flexible personal financing designed to help you manage major
expenses, unexpected costs, home improvements, or other important
financial needs.
Credit-focused lending solutions designed around your financial
profile, helping you understand borrowing options and choose a
repayment approach that fits your budget.
Strategic tax guidance focused on helping individuals and families
understand tax considerations and make more informed financial
decisions throughout the year.
01 / 06
Personal Loan — flexible financing for important needs
Credit Loan — financing aligned with your profile
Mortgage Loan — smarter home financing decisions
Wealth & Investment Planning — build wealth with purpose
Tax Advisory — make more informed tax decisions
Insurance Service — protect what matters most
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Not sure where to start? Start with the free 45-minute call.
"I came in with three scattered 401(k)s and zero direction. Eighteen months later I have one coordinated portfolio, a written plan, and — for the first time ever — a real healthcare reserve. My advisor answers emails the same day. Same day."
Michael TurnerAustin, Texas
Wealth Mgmt
"The healthcare cost mapping is what sold me — no other firm even mentioned it. They projected our Medicare gaps and long-term care exposure to the dollar and rebuilt our withdrawal plan around it. It was the missing piece nobody else talked about."
Sarah WhitfieldDenver, Colorado
Retirement
"After selling my business I was drowning in advice from people trying to sell me annuities. Finance Modern Select sold me nothing. They coordinated with my CPA, staged a Roth conversion plan, and saved me a figure I'm honestly not comfortable printing. Flat fee, zero commissions — exactly as advertised."
David OkaforSeattle, Washington
Tax Planning
"As a single mom, walking into 'wealth management' felt intimidating. It never should have. They explained everything in plain English, set up automated everything, and celebrated my first $100k like it was their own milestone. Respectful, patient, brilliant people."
Jennifer MoralesTampa, Florida
Financial Planning
"I'm an engineer — I data-dump everything. Their quarterly reports survived my spreadsheets. The allocation rationale is documented, the fees are arithmetic, and the dashboards update daily. Four and a half stars only because I wish I'd found them a decade earlier."
Robert ChenColumbus, Ohio
Asset Mgmt
"We did everything by video — Caldwell to Portland, never missed a beat. My husband was skeptical of 'remote advisors.' Now he's the one booking the quarterly reviews. The fiduciary pledge in writing sealed it for both of us."
Emily HarperPortland, Oregon
Consulting
FAQ
Questions, answered honestly.
The ten things nearly every new client asks before signing with us.
Still unsure about something?
Call us directly — a real advisor picks up, not a phone tree.
Yes — every advisor at Finance Modern Select is a fiduciary under the Investment Advisers Act, and our fiduciary pledge is printed directly into each client engagement agreement. We are legally and contractually obligated to put your interests first, always.
One flat monthly subscription: $195 for Foundation, $395 for Signature, and custom pricing for Private Client. No percentage-of-assets surprises, no commissions, no product bonuses. You see the exact number before you sign anything.
No. Foundation clients often start with under $50,000 in investable assets. Planning is valuable before assets are large — in fact, the habits we build early are what make the assets large. Private Client services begin at $1M.
It means your retirement plan explicitly projects decades of medical inflation, Medicare premium gaps, out-of-pocket caps, and potential long-term care costs — then builds a dedicated reserve and insurance strategy around them. Most plans treat healthcare as a footnote; we treat it as a core line item.
Yes. We're licensed and registered to advise clients in all 50 states, and our entire experience — secure video meetings, shared digital planning workspace, and same-day messaging — is built remote-first. Our Idaho roots show up in our service culture, not our reach.
Your funds are held at an independent, SIPC-member custodian — never on our own books. We direct trades; we can never withdraw your money. SIPC coverage protects against custodian failure, and we additionally vet custodians for balance-sheet strength annually.
Absolutely — we prefer it. Signature and Private Client engagements include proactive coordination with your tax and legal professionals so everyone is rowing in the same direction. If you don't have a CPA, we can introduce you to vetted ones in your state.
Week 1–2: data gathering and your healthcare-cost snapshot. Week 3–4: your written plan presentation. Week 5–8: account consolidation and implementation with your approval on every step. Week 9–12: first monitoring cycle and your first quarterly review. You'll feel the difference inside a month.
No. We are paid exclusively by our flat client subscriptions. When insurance is genuinely appropriate, we help you shop the open market directly — which keeps every commission out of the equation and every recommendation conflict-free.
Yes — month to month, cancel with 30 days' notice, and your first 30 days carry a money-back guarantee. Your assets remain entirely in your name at the custodian, so leaving is as simple as it should be. We'd rather earn your renewal than trap it.
