# Treeline Financial Planning

Treeline Financial Planning is an Asset Manager based in Bend, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Bend, United States
- **Region:** North America
- **Address:** Bend, OR, United States
- **Founded:** 2019
- **Assets under management:** Undisclosed
- **Website:** treelinefinancial.com
- **LinkedIn:** https://www.linkedin.com/company/garrettbergby

## Regulatory record

- **CRD number:** 307067
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-03-20T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/307067

## About

Treeline Financial Planning was established in Bend, Oregon in 2019. The firm provides investment advisory services centered on financial planning, portfolio management, and pension consulting for individuals and high-net-worth clients. Its location outside traditional financial hubs reflects a broader shift toward remote and lifestyle-based advisory practices that gained momentum in the late 2010s. The firm's service model includes discretionary portfolio management alongside stand-alone financial planning engagements. Asset-class coverage typically spans equities, fixed income, and cash equivalents, though no publicly disclosed track record or specific portfolio companies are available. Treeline Financial Planning operates as a boutique, with no disclosed team size or additional office locations. There are no known adjacent vehicles, philanthropic foundations, or club memberships publicly associated with the firm. Its founding in 2019 places it among the post-Department of Labor fiduciary rule cohort of RIAs that structured their practices around fee transparency and planning-led client acquisition. The structural differentiator is Treeline's flat-fee financial planning posture in a market still dominated by AUM-based pricing. By decoupling planning from portfolio size, the firm targets younger accumulators and HENRYs (high earners, not rich yet) — a client segment typically underserved by traditional wealth managers who prioritize existing asset bases.

## Questions

### How does Treeline Financial Planning charge for its services?

Treeline operates on a flat-fee financial planning model rather than the traditional assets-under-management percentage. This structure is designed to align with younger professionals and high earners who have strong income but not yet large investment portfolios, decoupling advice cost from portfolio size.

### What types of clients does Treeline Financial Planning serve?

The firm advises individuals and high-net-worth individuals. Its fee model also makes it accessible to HENRYs — high earners, not rich yet — who need comprehensive planning before they have substantial liquid assets to manage.

### Is Treeline Financial Planning a fiduciary?

As a registered investment adviser, Treeline operates under a fiduciary standard, meaning it is legally obligated to put client interests first. Its 2019 founding came after the Department of Labor's fiduciary rule debates, and the firm's flat-fee structure reinforces a model free of product-sales conflicts.

## Related profiles

- [Treehouse Wealth Advisors](https://altss.com/profile/treehouse-wealth-advisors)
- [TreeTop Wealth Management](https://altss.com/profile/treetop-wealth-management)

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Last updated: 2026-08-11T02:43:31.692Z

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