Rocky Mountain Financial Services specializes in designing a holistic financial plan that focuses on your personal and business goals. 

Life is full of unknowns that can erode current assets and negatively impact wealth accumulation. That’s why we work with our clients to protect current assets and the wealth that they will build in the future. With a custom rather than a one-size-fits-all approach, our clients — regardless of their situation — experience the comfort of knowing that their assets and wealth are shielded from unexpected events.

Aside from inheritances and winning the lottery, wealth doesn’t happen without a plan. We develop strategies to assist our clients in achieving their desired goals – whether longer term, such as building for retirement, or shorter term, such as college funding for children and grandchildren or purchasing vacation, recreation, or investment properties. Beyond achieving financial goals, we create a plan that maximizes wealth and minimizes taxes through efficient use of current and future resources.

Investment planning touches all aspects of your broader financial plan. However, it is simply the vehicle that moves you toward your goals. That vehicle comes in different models and moves at different speeds. After completing a risk assessment, we develop a strategy that is appropriate for your risk tolerance to help you meet your goals. We often incorporate the expertise of outside portfolio managers, whose job is to specialize in the daily tasks of investment selection, rebalancing, and when appropriate, tax loss harvesting.

Accumulating wealth, which we compare to climbing up a mountain, is only the first part of retirement planning. The second part, which we compare to getting back down the mountain, is how to turn that wealth into income that will last for your lifetime and can be passed along to your loved ones.

Many of our clients own businesses and wonder what will happen when they are no longer involved in the business. That’s where our expertise in business succession planning comes into play. We coordinate the efforts of attorneys, accountants, and other advisors so that our clients can review and evaluate their options before exiting the business. Whether the owner’s exit is expected or unexpected, this planning provides a clearer path into the future, eliminating the unknowns for both the owner and the successor.

An important objective for our clients goes beyond what they accumulate and accomplish in this life. Our clients love their families and want to continue making a difference in the lives of others far into the future. They want to be assured that their wealth will be passed on to their chosen heirs in a tax efficient manner. As part of the planning process, we consult with and coordinate the efforts of attorneys, accountants, and other advisors to ensure that our clients leave a legacy that endures for generations to come.