Planning for your financial future can be complex, but you don’t have to navigate it alone. Whether you’re just launching your career, planning for retirement, or making big investment decisions, sound financial guidance can make a significant difference. A trusted financial advisor can help you avoid common pitfalls, stay on track, and create a future you feel confident about.
At MyStages®, we connect you with experienced North Dakota financial advisors who understand the unique financial landscape of the state. Whether you’re in a growing urban area or a quiet rural town, you’ll find a financial advisor in North Dakota ready to help you make smart choices with your money.
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 North Dakota
MyStages® offers access to a trusted network of financial advisors across North Dakota. From the largest cities to smaller communities, our professionals are available to guide you through important financial decisions.
Whether you’re in Fargo, Bismarck, Grand Forks, Minot, or Williston, our financial advisors in North Dakota are equipped to offer local insights and personalized strategies. We serve clients in every corner of the state, regardless of your investment style or life stage, so you can confidently plan your financial future no matter where you call home.
How Can We Help?
Our North Dakota financial advisors provide a wide range of services designed to support you through every stage of life, whether you’re in the busy hubs of Fargo or the quieter counties in the west.
- Financial Planning: Don’t make it up as you go—have a plan for every stage of life. Our advisors work with you to build a roadmap that matches your goals, income, and lifestyle. With professional financial advice in North Dakota, you’ll gain clarity and direction.
- Investing: Meeting your financial goals begins with smart investing. Our team understands that investment strategies vary by career stage and personal goals. Whether you’re just starting to invest or managing a growing portfolio in Minot or Bismarck, we’ll help you make informed decisions.
- Insuring: Insurance protects your future, but only if it’s the right kind and amount. From property and auto insurance to life and long-term care, our North Dakota financial advisors guide you through your options so you’re prepared without overspending.
- Retirement / Pre-Retirement: It’s never too early to plan for retirement. Whether you’re decades away or getting close, our financial advisors help you prepare for Social Security, healthcare needs, and estate planning so you can enjoy your retirement with peace of mind.
Financial Expertise At Any Stage of Life
At MyStages®, we understand that your financial priorities shift over time. That’s why our North Dakota financial advisors offer guidance tailored to your current stage—whether you’re a student, a mid-career professional, or a retiree.
- Early Career: If you’re starting out in cities like Fargo or Grand Forks, you may be focused on managing student loans, building credit, or establishing an emergency fund. Our financial advisors can help you build a strong financial foundation for long-term success.
- Mid-Career: Life gets more complex as your career advances. Maybe you’re buying a home in Bismarck, setting up college funds, or reviewing your insurance. Our advisors help you navigate these decisions while planning for your future.
- Pre-Retirement: As retirement approaches, your focus shifts to refining your portfolio, maximizing Social Security, and protecting your estate. Whether you’re 5 or 15 years from retirement, we’ll help you prepare effectively.
- Retirement: Once retired, managing fixed income and rising healthcare costs becomes crucial. Our North Dakota advisors assist with Medicare planning, long-term care insurance, and strategies to make your income last so you can enjoy your golden years.
North Dakota Financial Facts
Understanding North Dakota’s financial landscape is key to making informed decisions about budgeting, investing, and taxes. With relatively low property taxes, an accessible housing market, and income tax rates among the lowest in the country, North Dakota offers a financial environment that supports long-term planning and wealth building. Whether you’re a first-time homebuyer or planning for retirement, it’s helpful to know how the state stacks up against national averages.
Income
- The average wage in North Dakota is $59,050, which is below the national average wage of $65,470. While this suggests earnings in North Dakota are generally more modest, the state’s lower cost of living and favorable tax environment can help residents make their money go further. Cities like Fargo and Bismarck typically offer higher-than-average wages, while rural areas may trend closer to the state average.
Housing
- With a median home price of about $278,800, North Dakota homes are significantly more affordable than the national median of $433,229. This difference makes the state particularly attractive to first-time buyers, growing families, and retirees looking to stretch their dollars further. While metro areas such as Fargo may trend higher in price due to demand, smaller communities and rural areas continue to offer affordable paths to homeownership.
Taxes
- Sales Tax: North Dakota’s base state sales tax rate is 5%, and when combined with local taxes, the average total reaches around 7.04%. This is slightly above the national average of 6.44%, though still considered moderate when compared to states with higher combined rates. While this can impact day-to-day purchases, it’s balanced by the state’s lower income tax rates and housing costs.
- Income Tax: The state has a graduated income tax system with rates ranging from 1.95% to 2.50%, placing North Dakota among the states with the lowest income tax burdens in the U.S. These low rates benefit both individuals and families and can result in significant long-term savings.
- Property Tax: North Dakota’s average effective property tax rate is approximately 0.98%, slightly below the national average of 1.04%. This moderate rate helps make homeownership even more affordable across the state. Property taxes support essential public services like education and emergency response, and in many counties, additional exemptions and credits are available for seniors, veterans, and homeowners with disabilities.
- Unique Taxes in North Dakota: North Dakota provides several tax-friendly policies that can benefit residents. Most notably, Social Security income is not taxed, making it a favorable state for retirees. The Homestead Property Tax Credit offers up to $500 in relief for qualifying residents over age 65 or those with permanent disabilities. Additionally, the state offers various energy-efficiency and renovation-related tax credits that can benefit homeowners looking to invest in their property.
Whether you’re launching your career in Fargo or planning retirement in Bismarck, our North Dakota financial advisors are here to help you thrive. Let MyStages® guide you through every financial chapter—right here in the Peace Garden State.