Fiduciary Financial Services · USA

Build, Protect & Grow Your Wealth with Precision.

From tailored loans and risk-balanced insurance to disciplined investment portfolios — Swift Lending Path engineers financial clarity for households and businesses across all 50 states. Three decades of fiduciary stewardship. One trusted partner.

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$0
Assets Under Management
0
Clients Served Nationwide
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Average Client Rating
★★★★★ SEC-registered · FINRA member · SIPC protected
Swift Lending Path advisor reviewing investment portfolio with client
+18.4%
Portfolio YTD
A++ Rated
Insurance Carrier
24 / 7
Dedicated Advisor
Swift Lending Path advisors in strategic planning session
5+
Years of fiduciary stewardship since 1997
15K+ clients nationwide
About Swift Lending Path

A finance house built on discipline, trust & long horizons.

Founded in 1997 in Butte, Montana, Swift Lending Path began as a single-office advisory serving ranchers, small business owners and mining families. Three decades later we steward $2.5 billion in client assets across all 50 states — yet the principle our founders carved into the original ledger remains: advice must be worth more than the commission charged for it.

Every advisor on our team operates under fiduciary duty. That means we are obligated — legally and ethically — to place your interest above our own. We don't receive hidden kickbacks, trailing commissions or product-placement fees. Our revenue comes from one source only: the clients we serve.

  • Fee-only fiduciary model — transparent pricing, no product incentives, no hidden trails.
  • SEC-registered investment advisor — FINRA member firm, SIPC-protected accounts.
  • Nationwide service — licensed advisors in all 50 states & D.C.

Vision

To become America's most trusted name in independent financial counsel — the firm households call before they make any decision involving capital, risk or legacy.

Mission

Deliver institutional-grade financial architecture to everyday Americans — engineered with rigor, priced with candor and served with the patience of a family office.

Values

Fiduciary first. Candor over commission. Compounding over speculation. Stewardship over sales. These are not slogans — they are clauses in every advisor's employment contract.

Principles

Diversification is the only free lunch. Risk is permanent, volatility is temporary. Costs compound as powerfully as returns. Behavior, not selection, drives long-term outcomes.

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Assets Under Management
Audited quarterly
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Clients Served
Across all 50 states
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Years of Stewardship
Founded 1997
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Client Retention
5-year rolling average
SEC-Registered FINRA Member SIPC Protected A++ Carrier Ratings 256-bit Encryption
Why Choose Wealth Link

Six reasons Americans
move their financial life to us.

In a market saturated with commission-hungry brokers and robo-advisors that vanish when markets wobble, we are the unfashionable alternative — humans who pick up the phone, who read your tax return, who plan a decade ahead.

Fiduciary Standard

By law and by contract, our advisors must place your interest above our own. We accept no hidden commissions, trailing fees or product-placement incentives. Ever.

Dedicated Advisor Team

You are assigned a lead CFP® professional, a tax strategist and an insurance specialist — not a call-center queue. Same humans, every call, for the life of the relationship.

Institutional Pricing

Our scale unlocks share-class access and institutional expense ratios normally reserved for endowments — typically saving clients 0.65% to 1.10% annually versus retail funds.

Integrated Risk Architecture

Investments, insurance, tax and estate are planned together — not in silos. A Roth conversion sequence coordinates with your term-life ladder and your umbrella liability layer.

24/7 Human Concierge

When the market opens at 4:30 a.m. ET and futures are limit-down, you can reach your advisor's cell. No phone trees, no offshore routing, no AI gatekeeper.

Custodied at Tier-1 Banks

Client assets are custodied at Schwab, Fidelity and Pershing — never held by us. Your statements come from the custodian, not the advisor. Your assets are SIPC-protected to $500K.

Our Process

Four chapters from first call to financial clarity.

A deliberate, repeatable methodology — refined across 28 years and 15,000+ households. No pressure, no jargon, no template plan.

01

Discovery

A 60-minute conversation about your balance sheet, your obligations, your aspirations and the things that keep you up at night. No sales pitch — just listening.

02

Blueprint

Within 10 business days you receive a written financial blueprint — investment allocation, insurance audit, tax strategy and estate flow. Yours to keep, with or without us.

03

Implementation

Our team handles the paperwork, transfers, account openings, policy binding and beneficiary designations. Coordinated across custodians, carriers and counsel.

04

Stewardship

Quarterly reviews, annual rebalancing, semi-annual tax check-ins and proactive scenario planning. We adjust the plan as your life, the law and the markets evolve.

Loan Services

Capital, structured around your timeline.

Whether you are financing a home in Boise, expanding a business in Austin or refinancing high-interest debt, our loan desk shops 40+ lenders to engineer terms your local bank cannot match.

🏠

Home Loan

Purchase, refinance and cash-out mortgages with rates from 5.875% APR on 30-year conventional. Jumbo up to $3M. VA & FHA specialists on staff.

5.875%APR · 30-yr fixed
Apply
🎓

Education Loan

Undergraduate, graduate and parent PLUS loans with deferred repayment through graduation. Refinance existing student debt to as low as 4.49% APR.

4.49%APR · from
Apply
💼

Business Loan

SBA 7(a) and 504 loans, equipment financing, lines of credit up to $5M and merchant cash advances. Funding in as little as 7 business days.

$25K–$5MRange
Apply
🚗

Auto Loan

New, used and private-party auto financing with rates from 6.49% APR. Pre-approval in 4 minutes, no impact to credit score, valid for 30 days.

6.49%APR · from
Apply
💳

Personal Loan

Unsecured personal loans from $1,000 to $100,000 with fixed rates starting 8.99% APR. No collateral, no prepayment penalties, funding next-day.

$1K–$100KRange
Apply
🏡

Mortgage Loan

Conventional, jumbo, refinance and reverse mortgages. Cash-out refis up to 80% LTV. Income-engineered for self-employed & gig workers via bank-statement programs.

5.875%APR · 30-yr
Apply

Borrow with a blueprint, not a brochure.

Every loan is sized against your full financial plan — so the monthly payment fits the decade, not just the month.

Get Pre-Qualified
Insurance Services

Risk, transferred to carriers that pay.

We audit your existing policies, identify catastrophic gaps and bind coverage with A++ rated carriers — never the cheapest, always the most solvent when you actually need them.

🚗

Auto Insurance

Full coverage, liability, comprehensive & collision. Multi-car, safe-driver and telematics discounts. SR-22 filings and high-risk programs available.

From $39per month
Quote
🏥

Health Insurance

ACA marketplace specialists, employer group plans, Medicare Advantage & Supplement, short-term gap coverage, dental & vision bundles.

SubsidizedFrom $0/mo
Quote
🏠

Home Insurance

HO-3, HO-5 & HO-6 policies, replacement-cost valuation, scheduled personal property, water-backup, service-line & identity restoration endorsements.

From $89per month
Quote
💚

Life Insurance

Term, whole, universal & indexed universal life. Ladder strategy, survivorship policies, no-medical-exam underwriting up to $1M in 24 hours.

From $18per month
Quote
✈️

Travel Insurance

Trip cancellation, medical evacuation, baggage delay, adventure-sports rider, annual multi-trip plans for frequent international travelers.

4–10%of trip cost
Quote
📋

Mortgage Insurance

PMI, MIP and lender-paid mortgage insurance analysis. Borrower-paid MI cancellation at 80% LTV. HPMI vs. single-premium MI breakeven modeling.

0.30–1.15%of loan/yr
Quote
🕊️

Burial Insurance

Final-expense whole life policies $5K–$50K with guaranteed acceptance for ages 50–85. No medical exam, fixed premiums, immediate benefit after year 2.

From $25per month
Quote
🐾

Pet Insurance

Accident & illness coverage for dogs, cats & exotics. Reimbursements up to 90%, annual limits to $30K, no age caps, multi-pet discount.

From $22per month
Quote
🏢

Business Insurance

General liability, BOP, workers' comp, E&O, D&O, cyber liability, commercial auto & fleet. Workers' comp with pay-as-you-go audit billing.

CustomTailored quote
Quote

An insurance audit before a disaster, not after.

Bring us your declarations pages — we'll show you the catastrophic gap your agent never mentioned. Free, no obligation.

Request Free Audit
Investment Services

Portfolios engineered for decades, not quarters.

Nobel-prize-winning academic framework, tax-aware implementation, institutional expense ratios. Your portfolio is built to survive 1929, 1973, 2000, 2008 and 2020 — because one of those will repeat on our watch.

Investment Management

Discretionary separately-managed accounts built from index ETFs, factor tilts, individual bonds and alternative sleeves. Quarterly rebalancing, tax-loss harvesting at the sleeve level, drift-band monitoring.

0.50–0.85% AUM Tax-loss harvest Direct indexing ESG options

Stock Investment

Individual equity portfolios for clients who want concentrated exposure to conviction names. Fundamental research, position sizing rules, single-name risk budget of 4% of equity sleeve. Options overlays for income & hedging.

Concentrated thesis Options overlays 4% risk budget

Gold Investment

Physical bullion allocation via allocated accounts at Brinks & Loomis, gold ETFs (IAUM, GLD) and select gold-mining equities. Inflation hedge, currency hedge, geopolitical hedge — sized to 3–8% of total portfolio.

Allocated bullion 3–8% sleeve Vaulted storage

Mutual Funds

Curated no-load mutual fund families — Dimensional, Vanguard, Bridgeway, Avantis — at institutional share classes normally reserved for $1M+ investors. The lowest-cost, most tax-efficient passive vehicles available to retail investors.

No-load only Institutional shares 0.04–0.30% ER

A second opinion on your portfolio, free.

Email us your most recent statement. We'll run it through our risk, cost and tax framework and tell you — in plain English — what is excellent, what is mediocre, and what should never have been sold to you.

Get Portfolio Audit
Specialty Finance

The rest of the financial balance sheet.

Money is interconnected. A Roth conversion sequence has tax implications, estate implications, Medicare IRMAA implications and Social Security taxation implications. We coordinate all of it under one roof.

Wealth Management

Comprehensive balance-sheet stewardship — investments, real estate, private business interests, concentrated stock, deferred comp, crypto, art and collectibles. Net-worth statements quarterly, family-meeting facilitation annually.

Family officeQuarterly reporting

Retirement Planning

Monte-Carlo simulation of retirement sustainability across 1,000 market paths. Social Security optimization, Roth conversion ladders, RMD timing, Medicare IRMAA avoidance, 401(k)/IRA/after-tax sequencing.

Monte-CarloSS optimization

Credit Score Repair

FICO restoration through dispute, validation, goodwill and rebuild strategies. Average client gains 80–120 points within 6 months. Pay-for-delete negotiations, authorized-user slot brokerage, secured-card sequencing.

80–120 pt gain6-month avg

Debt Relief

Negotiated settlements of unsecured debt at 40–60 cents on the dollar, structured over 24–48 months. Creditor hardship programs, DMP enrollment, bankruptcy alternatives analysis with affiliated counsel.

40–60% settle24–48 mo

Credit Card

Curated card-stack strategy — 3 to 5 cards working together for rewards, travel protections, 0% APR windows and credit-utilization optimization. Pre-approval soft-pulls, no credit-score impact.

Card stackingSoft pull

Master Card

Premium World Elite & World Mastercard applications with concierge access, airport lounge network, trip insurance and extended warranty. Pre-qualify for the level of card your spending profile actually earns.

World EliteLounge access

Tax Planning & Estate Planning

Year-round tax strategy: Roth conversions, tax-gain harvesting, QBI deduction structuring, installment sales, 1031 exchanges, charitable remainder trusts, AB trusts, dynasty trusts. Coordinated with affiliated estate counsel.

Roth ladder1031 exchange

Auto Warranty

Vehicle service contracts from genuine manufacturer-backed programs — exclusionary coverage, named-component coverage, powertrain-only. Coverages from 12 months to 7 years / 100,000 miles, $0 deductible options.

Mfr-backed$0 ded

Digital Payments

Modern payment infrastructure for small business — ACH, same-day ACH, real-time payments, contactless POS, invoicing and subscription billing. Integrated bookkeeping sync to QuickBooks & Xero.

RTPQB sync

One firm. One advisor. The whole balance sheet.

Stop being passed between a stockbroker, an insurance agent, a CPA and an estate attorney who never speak to each other. We are all of them — under one roof, on the same call.

Hire Your Team
Pricing & Packages

Transparent fees. No commissions. Ever.

We charge the same way surgeons charge — for the work, not for the tools we recommend. Below is the entire fee schedule. There is no second page.

Essential
Starter Advisory
$250/hour
Pay-as-you-go financial coaching for clients with focused questions.
  • 60-minute strategy session
  • Written action plan
  • Email follow-up for 30 days
  • Single-issue scope (loan, policy, etc.)
  • No ongoing management
Book a Session
Professional
Wealth Builder
0.75%/year AUM
For investable assets $250K–$2M. Our most popular relationship.
  • Discretionary portfolio management
  • Quarterly reviews + rebalancing
  • Tax-loss harvesting
  • Annual insurance & estate audit
  • Dedicated advisor + associate
  • 24/7 concierge access
Begin Wealth Builder
Private Client
Family Office
0.50%/year AUM
For investable assets $2M+. Concierge family-office service.
  • Everything in Wealth Builder
  • Direct indexing & private access
  • Coordinated tax preparation
  • Estate counsel coordination
  • Family-meeting facilitation
  • Next-generation financial education
Request Private Intro
Book a Service

Schedule a 60-minute consultation.

Tell us what you'd like to address. Within one business day, an advisor will reach out to confirm your appointment and send the pre-meeting discovery questionnaire.

  • First consultation is always complimentary — no obligation, no pressure.
  • Secure, encrypted intake — your information is never shared or sold.
  • Available in-person, by phone or by secure video — your choice.
  • Average response time: 4 hours during business hours.
Encrypted in transit. We never sell your data.
Client Voices

Fifteen thousand households. Six of their stories.

Real clients. Real outcomes. Reviews are verified by a third party — we never edit or curate them.

★★★★★

"After three brokers ghosted us on a jumbo refi, Wealth Link closed in 21 days at 0.4% under our best quote. The advisor read our full tax return before recommending a structure. Adults in the room."

Margaret Whitmore
Austin, Texas · Mortgage Loan
★★★★★

"I came in for a term-life policy and left with a coordinated estate plan, a Roth conversion sequence and a long-term-care strategy. They didn't sell me anything. They organized everything I already had."

Robert Chen
Bellevue, Washington · Estate Planning
★★★★★

"My auto insurance premium dropped from $312/mo to $164/mo with better coverage. They found a gap in my umbrella liability that could have bankrupted my family. I had no idea. Now I do."

James Patterson
Columbus, Ohio · Auto & Umbrella
★★★★★

"As a self-employed contractor I'd been declined by four SBA lenders. Wealth Link structured my bank statements into a P&L, found a 7(a) lender, and we closed $480K in nine business days. Lifeline."

Daniel Okonkwo
Charlotte, North Carolina · Business Loan
★★★★★

"I had inherited a portfolio of high-fee mutual funds my father had been sold at the bank. Wealth Link moved everything to institutional shares, dropped my expense ratio from 1.34% to 0.18%. Same exposure, less drag."

Eleanor Brooks
Portland, Maine · Investment Management
★★★★★

"Credit score went from 587 to 712 in seven months. They didn't wave a magic wand — they walked me through dispute letters, secured cards, and a utilization plan. The discipline was the product. I just had the right coach."

Sofia Martinez
Phoenix, Arizona · Credit Score Repair
Questions & Answers

Eight things clients always ask first.

If your question isn't here, just call (406) 723-7704. A human answers between 7 a.m. and 8 p.m. MT.

Yes — registered investment advisor representatives under the Investment Advisers Act of 1940, operating under fiduciary duty. In plain English: we are legally obligated to act in your best interest, disclose all conflicts of interest, and accept no hidden compensation. We are not dual-registered broker-dealers — we do not earn commissions on products we recommend.
For ongoing Wealth Builder management, the minimum is $250,000 in investable assets. For Family Office service, $2 million. Below those thresholds we offer hourly Starter Advisory at $250/hour, which is often enough to address a single decision — a refinance, a policy audit, a Roth conversion question.
Three transparent streams: (1) hourly fees for Starter Advisory, (2) a percentage of assets under management for ongoing wealth management (0.50%–0.85%), and (3) commissions paid by insurance carriers when you bind a policy through us — we disclose the commission in writing before you sign. We do not receive payment for order flow, trailing 12b-1 fees, soft-dollar arrangements or product-placement incentives.
Your assets are custodied at Charles Schwab, Fidelity Institutional or Pershing (BNY Mellon) — your choice. Statements come directly from the custodian. We have discretionary trading authority but cannot withdraw funds from your account — only you can. Accounts are SIPC-protected up to $500,000 (including $250,000 for cash) and covered by supplemental excess-SIPC insurance up to $150 million.
Yes. We are SEC-registered as an investment advisor, which permits nationwide operation. Our insurance licenses cover all 50 states and D.C. Mortgage originations are available in all states except New York (in process). Whether you live in Manhattan or Miles City, the service level is identical.
Auto and personal loan pre-approvals take 4 minutes with a soft credit pull (no score impact). Mortgage pre-approvals are typically issued within 24 hours of receiving your documents. Insurance quotes for auto, home and life can be returned same-day during business hours. Health insurance marketplace enrollments follow federal open-enrollment windows.
Your relationship belongs to the firm, not to the individual advisor. If your lead advisor departs, a senior advisor already familiar with your plan assumes stewardship — typically within five business days. Your custodian relationships, account numbers, beneficiaries and holdings remain completely unchanged. We have a documented succession plan reviewed annually by external counsel.
We insist on it. With your written authorization we collaborate directly with your existing CPA, estate attorney, P&C agent and bookkeeper — sharing documents securely, joining annual planning meetings, and coordinating tax filings. If you don't have these professionals, we maintain a vetted referral network in every state we serve and can introduce you to counsel whose work we have observed first-hand.
Contact Us

Talk to a human advisor.

Three ways to reach us. We respond to every inquiry within one business day. For urgent matters, the phone is the fastest path.

Phone · Mon–Sat 7am–8pm MT
(406) 723-7704
Email · 24/7
info@swiftlendingpath.info
Headquarters
1042 Nevada Ave, Butte, Montana 59701, USA
Encrypted & confidential.