Stordahl Capital Management is an independent wealth management firm dedicated to providing
individuals, families, and institutions with financial planning, consulting, and asset management services.
SCM is a corporation formed under the laws of the State of Colorado in 2009 and has been in business as
an investment adviser since 2017. SCM is wholly owned by William Stordahl and Julie Stordahl.
As a fiduciary, it is our duty to always act in the client’s best interest. We accomplish this by thoroughly
understanding our client’s life plans and goals, applying a holistic planning approach to accomplishing
those goals and objectives, and then proactively communicating with our clients. SCM is a service-oriented
firm that seeks to build successful long-term relationships with our clients.
Types of Advisory Services Offered
Financial Planning & Consulting:
SCM provides a variety of financial planning and consulting services to clients for the management of
financial resources based upon an analysis of current situation, goals, and objectives. These services seek
to address our client’s overall needs and objectives by addressing the following areas:
1. Cash Flow Strategy – focuses on cash flow objectives and needs. This service consists of analyzing
Social Security benefits, pension benefits, future earned income, how to protect future income,
and income tax planning.
2. Saving Strategy – focuses on needs in the future and how best to maximize saving strategies to
401(k)s, individual retirement accounts (“IRAs”), deferred compensation plans, educational
accounts, and investment accounts to meet those future needs.
3. Liability Management Strategy – is focused on tracking and advising on personal debt such as
mortgages, home equity lines of credit, asset backed lines of credit, and consumer debt.
4. Risk Management Strategy – covers strategies intended to preserve an individual’s wealth and
protect it from potential risks. This service consists of analyzing various types of insurance such as
life insurance, long-term care insurance, and medical insurance.
5. Estate Planning Strategy - consists of working with legal professionals to plan for asset transfer at
death as well as the tracking of any documents that may be relevant to an individual’s estate. This
service includes determining beneficiary designations, obtaining legal documents such as trusts
and wills, and the assignment of legal representatives. It also involves charitable planning and
gifting strategies.
6. Tax Strategy – consists of working with Certified Public Accountants (“CPAs”) and other tax
professionals to minimize current and future tax liability.
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7. Investment Strategy – is concerned with managing the assets of the client in concert with the
overall financial plan. This service includes individual savings, investment accounts, qualified
retirement plans, business ownership, home ownership, and non-traditional assets.
Financial planning or consulting services rendered to clients usually include general recommendations for
a course of activity or specific actions to be taken by the clients. Implementation of the recommendations
will be at the discretion of the client. Assuming that all the information and documents requested from
the client are provided promptly, plans or consultations are typically completed within 6 months of the
client signing a contract with our firm.
Financial Planning & Consulting services can be provided as a standalone service or as part of the client’s
Comprehensive Wealth Management engagement with our firm, as described below. Financial Planning
& Consulting services will be dependent upon the information that the client provides and the client’s
active participation in the formulation and implementation of their objectives. Clients may be required to
complete a questionnaire to assist in formulating said objectives. Copies of certain client documents may
be requested by our firm to assist in conducting a more complete evaluation of the client’s objectives and
to provide the client’s requested services. Our firm may reasonably request certain documents to permit
a complete financial evaluation, including, but not limited to insurance policies, wills, tax returns, and
other documents depending upon client’s circumstances.
Comprehensive
Wealth Management:
As part of our Comprehensive Wealth Management services, clients may be provided with standalone
asset management or a combination of asset management and Financial Planning & Consulting services.
This service is designed to assist clients in meeting their financial goals through the use of a financial plan
or consultation. Our firm conducts client meetings to understand their current financial situation, existing
resources, financial goals, and tolerance for risk. Based on what is learned, an investment approach is
presented to the client, consisting of exchange-traded funds (“ETFs”), mutual funds, bonds, fee-based
variable annuities, and other securities or investments. Once the appropriate portfolio has been
determined, portfolios are continuously and regularly monitored and, if necessary, rebalanced based on
the client’s individual needs, stated goals, and objectives. Upon client request, our firm provides a
summary of observations and recommendations for the planning or consulting aspects of this service.
The provided services outlined above are tailored to meet the needs of individual clients and seeks to
ensure that the client’s portfolio is managed in a manner consistent with their stated objectives. Clients
have the opportunity to place reasonable restrictions on the types of investments to be held in their
portfolios. Restrictions on investments in certain securities or types of securities may not be possible due
to the level of difficulty this would entail in managing the portfolio.
Retirement Plan Consulting:
SCM provides retirement plan consulting services to employer plan sponsors on an ongoing basis.
Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring
and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor
dictate, areas of advising could include investment options, plan structure, and participant education.
Retirement Plan Consulting services typically include:
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• Establishing an Investment Policy Statement – Our firm will assist in the development of a
statement that summarizes the investment goals and objectives along with the broad strategies
to be employed to meet the objectives.
• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investment
options and make recommendations for appropriate changes.
• Asset Allocation and Portfolio Construction – Our firm will develop strategic asset allocation
models to aid participants in developing strategies to meet their investment objectives, time
horizon, financial situation, and tolerance for risk.
• Investment Monitoring – Our firm will monitor the performance of the investments and notify the
client in the event of over/underperformance and in times of market volatility.
In providing services for retirement plan consulting, our firm does not provide any advisory services with
respect to the following types of assets: employer securities, real estate (excluding real estate funds and
publicly traded real estate investment trusts (“REITs”), participant loans, non-publicly traded securities or
assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All
retirement plan consulting services shall be in compliance with the applicable state laws regulating
retirement consulting services. This requirement applies to client accounts that are retirement or other
employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as
amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to provide
services to such accounts, our firm acknowledges its fiduciary standard within the meaning of Section
3(21) of ERISA as designated by the Retirement Plan Consulting Agreement with respect to the provision
of services described therein.
Participation in Wrap Fee Programs
SCM does not offer or sponsor a wrap fee program.
Regulatory Assets Under Management
As of 12/31/23, SCM managed $530,433,055 in assets, of which $516,385,023 are on a discretionary basis,
and $14,048,032 are on a non-discretionary basis.