Northern Capital Retirement Services, Inc.

Northern Capital Retirement Services, Inc. is a registered investment advisor specializing in comprehensive retirement plan services for employers, retirement plan sponsors, trustees, and participants. Founded in 2012, the firm focuses on retirement plans such as 401(k), 403(b), Defined Benefit, SIMPLE IRA, and SEP plans. The principal owner, James K. Wilson, has been providing advisory services since 1992. Northern Capital Retirement Services acts as a fiduciary, offering consultation on plan types, investment options, and third-party selection. The firm charges a management fee based on assets under management, with tiered rates starting at 0.50% annually. For new clients with a Washington State Medical Association membership, the fee schedule is tiered starting at 0.450%. The firm does not participate in wrap fee programs and has discretionary authority for managing plan assets. Clients receive quarterly reports summarizing account assets, performance, and allocation. NCRS does not engage in performance-based fees, side-by-side management, or soft dollar arrangements. The firm has no disciplinary history and does not receive compensation for the sale of securities. Clients have the option to impose restrictions on investments, and the firm does not vote on client securities proxies. NCRS does not have custody of client assets but works with qualified custodians for account maintenance.