Deschutes Investment Consulting

What Deschutes Investment Consulting does

Deschutes Investment Consulting, LLC is an SEC-registered, fee-only fiduciary investment advisory firm founded in 1997 in Portland, Oregon. The firm delivers two core service lines: (i) corporate retirement plan consulting for plan sponsors covering 401(k), 403(b), 457, non-qualified, and executive plans — including fiduciary governance, plan design, benchmarking, and participant education — and (ii) wealth management and financial planning for high-net-worth individuals and families, with a stated minimum of $500,000 in investable assets and a $5,000 annual minimum fee. The firm reports $2.5 billion in assets under management and operates from a Portland headquarters and a Bend, Oregon satellite office opened in 2026.

The product portfolio beyond the core two lines spans retirement planning, investment management, estate strategies, tax planning, insurance consulting, education/college planning, extended care planning, Social Security optimization, women-and-finance advisory, portfolio management, cash flow analysis, and debt management, plus a free Retirement Analysis Program (RAP) lead-generation tool. Service delivery runs on an industry-standard RIA technology stack — Charles Schwab for custody, eMoney for financial planning, Orion for portfolio management, and Wealthbox for CRM — without disclosed proprietary AI or analytics layers.

The business model is recurring fee-based: advisors are compensated solely by client fees (no commissions), and go-to-market is relationship-led through professional referrals, advisor outreach to plan sponsors, and education-driven content (blog, webinars, community programs). The firm serves a diversified client base spanning manufacturing, healthcare, automotive/retail, banking, and design, with multi-decade corporate client tenures (e.g., Swanson Group, nearly 20 years). All advisory revenue is recurring in nature, with no transactional or product-distribution streams, and the firm has not raised external capital.

Name

Deschutes Investment Consulting

Legal name

Deschutes Investment Consulting, LLC

Website

https://deschutesinvestment.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Deschutes Investment Consulting is an SEC-registered, fee-only fiduciary RIA founded in 1997, managing $2.5B in assets across retirement plan consulting for employers and wealth management for high-net-worth individuals in Oregon.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Institutional Consulting RIAs (OCIO/Endowments/Foundations/Pensions) (FSAAACAG)

Keywords

• Retirement plan consulting
• Wealth management services
• Financial planning advisory
• Fiduciary investment management
• Defined contribution plan consulting

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Wealth Management Fees: Fee-based wealth management services with a minimum investment requirement of $500,000 and annual minimum fee of $5,000. Advisors operate as fee-only fiduciaries without commission compensation on product sales.
2. Retirement Plan Consulting Fees: Corporate retirement plan consulting services billed to plan sponsors (employers). Services include fiduciary governance, plan design, benchmarking, and participant education.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Deschutes Investment Consulting is a fee-only, independent fiduciary financial advisory firm that delivers retirement plan consulting for employers (covering 401(k), 403(b), 457, and non-qualified plans) and comprehensive wealth management, financial planning, and investment management services for individuals and families. The firm manages approximately $2.5 billion in assets across its client base spanning the Pacific Northwest, supported by a team of CERTIFIED FINANCIAL PLANNER™ professionals delivering personalized, education-led advisory engagements.

Product overview

Deschutes Investment Consulting is a fee-based, independent fiduciary financial advisory firm offering comprehensive financial services through an integrated product portfolio. Core offerings include Retirement Plan Consulting (401k, 403b, 457, non-qualified plans), Wealth Management (for clients with $500k+ minimum), Financial Planning delivered by CFP® professionals, Investment Management, and a proprietary Retirement Analysis Program (RAP) for plan participants. The firm also provides specialized modules including Estate Strategies, Insurance Consulting, Tax Planning, Education/College Planning, Extended Care Planning, Social Security Strategies, Women & Finances advisory, and Portfolio/Cash Flow/Debt Management services.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Plan Consulting Independent fiduciary consulting for workplace retirement plans including 401(k), 403(b), 457, and non-qualified plans. Helps plan sponsors meet fiduciary duties, supports employee retirement goals through plan design, benchmarking, fee analysis, and participant education.
• Wealth Management Comprehensive wealth management services for high-net-worth individuals with a $500,000 minimum investment requirement and $5,000 annual minimum fee. Covers investment planning, tax optimization, retirement income planning, and estate planning across all life stages.
• Financial Planning CERTIFIED FINANCIAL PLANNER™ professional services covering budgeting, savings strategies, investment allocation, risk management, tax planning, and estate planning with ongoing monitoring and adjustments for individuals and families.
• Investment Management Tailored investment strategies aligned with client financial goals and risk tolerance, focusing on risk management, strategic asset allocation, and ongoing portfolio monitoring for individuals and families.
• Retirement Analysis Program (RAP) Free retirement readiness assessment for retirement plan participants providing a projected retirement date and customized savings and benefit optimization recommendations delivered through the firm's resource center.
• Estate Strategies Estate planning services including trust structures, tax-efficient wealth transfer strategies, and legacy planning for individuals and families seeking to transfer wealth to heirs.
• Insurance Consulting Services Risk management consulting for life insurance, disability insurance, long-term care insurance, and other personal insurance products supporting client financial plans.
• Tax Planning Tax-efficient investing strategies including Roth conversions, tax-loss harvesting, and leveraging current tax laws for optimization for individuals and families.
• Education Strategies & College Planning Planning for education expenses using 529 plans and other education savings strategies for individuals and families preparing for future education costs.
• Extended Care Planning Long-term care planning strategies and extended-care considerations to address healthcare and custodial care needs in retirement for individuals and families.
• Social Security Strategies Social Security claiming strategy optimization, timing analysis, and benefit maximization services for individuals approaching or in retirement.
• Women & Finances Financial guidance specifically tailored for women addressing unique financial challenges including negotiation, caregiving responsibilities, and life transitions.
• Retirement Planning Personalized retirement planning including retirement income projections, Social Security optimization, Medicare navigation, and distribution strategies for individuals and couples.

Quantifiable outcome

• Named one of the nation's Top DC Advisor Teams for 2026 by National Association of Plan Advisors (NAPA)
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Three partnerships are on record, tiered core and strategic.

• Charles SchwabcoreTechnology or IntegrationCharles Schwab serves as the primary custodian and platform provider for client investment accounts. Clients access their accounts through Schwab's institutional portal, with Deschutes providing investment management services through this platform.
• eMoneycoreTechnology or IntegrationeMoney is used as the financial planning software platform for creating comprehensive financial plans, retirement projections, and client dashboards.
• Dimensional Fund Advisors (DFA)strategicStrategic or Co-development PartnerDeschutes CEO MacGregor Hall attends the annual DFA Practice Management Symposium, a gathering of advisors and industry leaders focused on investment management best practices and practice management.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Regional players

• Northwest Community Credit Union: Not a true peer; removed for relevance — see Aspiriant.
• Fisher Investments: Large Camas, WA-based investment manager serving HNW individuals and institutions. Pacific Northwest regional peer with overlapping wealth management services.

Direct peers

• Aspiriant: Fee-only wealth management firm serving HNW clients with comprehensive financial planning, tax, and estate services. Closely aligned in fee-only fiduciary model and target client segment.
• Carson Group: National network of fee-based financial advisors offering wealth management, retirement plan, and coaching services to advisors. Comparable in service breadth and HNW focus.
• CAPTRUST: Independent retirement plan consulting firm serving plan sponsors with fiduciary advisory services. Direct competitor in the 401(k)/403(b) consulting space where Deschutes has won NAPA Top DC Advisor recognition.
• Segal Marco Advisors: Independent retirement plan consulting and investment advisory firm serving corporate, public, and multiemployer plan sponsors. Direct competitor in the institutional retirement consulting space.
• Mariner Wealth Advisors: Fee-only national RIA providing wealth advisory, retirement plan consulting, and estate planning to HNW clients and corporate plan sponsors. Closely mirrors Deschutes' integrated service model.
• Creative Planning: Large fee-only RIA offering comprehensive wealth management and retirement plan consulting. Comparably serves HNW clients with a fiduciary model and has pursued aggressive geographic and service-line expansion, similar to Deschutes' positioning.

Broad incumbents

• Edelman Financial Engines: Largest independent RIA in the U.S. with major retirement plan and wealth management practices. Competes directly with Deschutes in the 401(k) plan consulting market with significantly greater scale.
• Russell Investments: Headquartered in Seattle, Russell provides investment management, OCIO, and retirement plan consulting. Pacific Northwest regional adjacency and overlapping retirement plan services make it a relevant comparable.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Deschutes Investment Consulting