Planning your financial future doesn’t have to be intimidating, especially when you have the right guidance. Whether you’re just starting your career, expanding your wealth, or preparing for retirement, a knowledgeable financial advisor can help you make informed, confident decisions. Montana’s financial landscape is as varied as its geography, with unique considerations in both rural and urban areas. Our network of Montana financial advisors is here to provide personalized advice to help you reach your financial goals, no matter your life stage or location in the state.
Contact Us
Share a few details with us, and you’ll be on your way to our first meeting. We can’t wait to get to know you and your goals and dreams.
Our Network in Montana
No matter where you live in the Treasure State, MyStages® connects you with trusted Montana financial advisors who understand your local community and financial needs. From Billings to Bozeman, Missoula to Great Falls, and Helena to Kalispell, our network spans the state with professionals who bring practical, location-based knowledge to your financial strategy. Whether you’re focused on building retirement savings, protecting your assets, or planning for your children’s education, you’ll find a financial advisor in Montana ready to guide you with the insight and experience you deserve.
How Can We Help?
Managing your finances isn’t something you should leave to chance, especially in a state as diverse as Montana. Whether you’re navigating early career milestones, expanding your investment portfolio, or looking ahead to retirement, having access to trusted financial advice can provide clarity and peace of mind. At MyStages®, our financial advisors in Montana offer a wide range of services to support your financial well-being, no matter where you are in life. From Missoula to Billings, we’re here to help you build a plan and stay on track.
- Financial Planning: Crafting a robust financial plan is essential at every life stage. Our advisors help you chart a course that aligns with your aspirations, whether you’re saving for a home in Helena or planning a business venture in Bozeman.
- Investing: Navigating the investment landscape can be daunting. We provide strategies tailored to your risk tolerance and goals, ensuring your investments work effectively for you.
- Insurance: Protecting your assets and loved ones is paramount. Our advisors guide you through selecting appropriate insurance products, from health and life insurance to property coverage, ensuring comprehensive protection.
- Retirement / Pre-Retirement: Planning for retirement requires foresight and strategy. We assist in optimizing your retirement savings, understanding Social Security benefits, and preparing for a comfortable and secure retirement.
Financial Expertise At Any Stage of Life
Your financial needs don’t stay the same, and neither should your financial advice. At MyStages®, we understand that life’s stages come with different priorities, responsibilities, and questions. Our Montana financial advisors offer personalized guidance tailored to your current goals, career stage, and financial position. Whether you’re starting your first job in Great Falls or settling into retirement in Helena, we’re here to support you at every step.
- Early Career: Starting out in cities like Missoula or Great Falls? We help you manage student loans, establish budgets, and build emergency funds, laying a solid foundation for your financial future.
- Mid-Career: As responsibilities grow, so do financial complexities. Whether it’s purchasing a home in Billings or investing in your children’s education, we offer strategies to balance your commitments and aspirations.
- Pre-Retirement: Approaching retirement brings new considerations. Our advisors assist in refining your investment portfolio, understanding pension options, and ensuring you’re well-prepared for the transition.
- Retirement: In retirement, maintaining financial health is crucial. We guide you through managing fixed incomes, exploring long-term care options, and making the most of your retirement years.
Montana Financial Facts
Understanding Montana’s financial environment helps residents make better decisions about budgeting, investing, and long-term planning. With a mix of tax-friendly policies and a relatively low cost of living in many areas, Montana offers unique opportunities for building financial security.
Income
- Montana’s median income is approximately $55,920, which is slightly below the national average of $65,470. While earnings may vary between urban and rural areas, Montana’s cost-saving advantages—like no state sales tax and moderate housing prices—help residents make the most of their income.
Housing
- The median home price in Montana is approximately $522,600, reflecting a 6.6% increase over the past year. This figure is higher than the national median of $433,229. While cities like Bozeman and Missoula have seen significant price growth, more affordable options remain in areas such as Great Falls and Billings. Despite the rise in home prices, Montana’s lack of a general sales tax and relatively low property taxes help offset housing costs for residents.
Taxes
- Sales Tax: Montana is one of the few states without a general sales tax, making daily purchases more affordable.
- Income Tax: As of 2024, Montana employs a two-tier income tax system: 4.7% for incomes up to $21,099 and 5.9% for higher incomes. This structure simplifies tax calculations and provides clarity for residents.
- Property Tax: The state’s average effective property tax rate is approximately 0.74%, below the national average. Homeowners may also benefit from various exemptions and relief programs.
- Unique Taxes in Montana: Montana offers a 2% tax credit on all capital gains, providing an incentive for investment. Additionally, the state imposes a severance tax on the extraction of natural resources, such as coal and oil, contributing to public revenues. Certain personal properties, including hand-held tools and household goods, are exempt from taxation, easing the financial burden on residents.
Embarking on your financial journey in Montana? Let MyStages® connect you with a knowledgeable financial advisor who understands the state’s unique economic landscape. Together, we can chart a path toward your financial goals.