Comprehensive Financial & Lifestyle Planning

Business meeting

We are Financial Architects, Wealth Builders, and Financial Advisors.

Today's retirement looks different from previous generations—and preparation has never been more critical.  At Glacier Wealth Management, we help you navigate the complexities of your financial life with clarity, confidence, and purpose.  So, you can have the best life possible.

Ask Yourself These Questions:

  • What matters most to you?
  • What does your ideal retirement look like?
  • Will you have enough money to retire—or could you outlive your savings?
  • Are your assets adequately protected and structured with the best tax strategies?
  • Do you understand the risk you're taking in your current investments?
  • How might higher taxes impact your retirement income?
  • Do you have a plan that helps you manage risks, meet your goals, and feel confident about your financial future?
  • Will your income in retirement keep up with real inflation?
  • Have you considered how rising healthcare and living costs could affect your long-term plans?
  • Is your estate plan structured to provide your beneficiaries with the best life possible?

When it comes to making decisions about your financial future, it's essential to be informed and intentional. Your financial plan should be comprehensive, well-structured, and customized to help you reach your goals.

We help address the risks of not having a retirement plan, increasing taxes, limiting the taxation of your Social Security income, outliving your money, market volatility, long-term care, limiting the devastating impact of no or poor estate plan on family and/or beneficiaries upon your death, and how to avoid common pitfalls as you distribute your assets in retirement.

Your personalized financial plan is designed to help you feel confident about your future—empowering you to retire securely and live the life you've worked so hard to build, even in a rapidly changing world.

What our Financial Plans Uncover and Help Address:

  • Market Volatility Risk: Help reduce volatility in your assets and know your risk capacity
  • Tax Rate Risks: Help reduce the possibility of paying higher taxes in retirement
  • Longevity Risk: Help minimize outliving your money
  • Inflation Risk: Assist in reducing  the impact of a lifetime of increasing living & health care costs
  • Social Security Risk: Take Social Security at the right time in the right way
  • Social Security Tax Risk: Help reduce how much Social Security is taxed
  • Market Return Risk: Understand potential returns given your risk tolerance
  • Savings Plan Risk: Determine if you have enough money for retirement 
  • Retirement Plan Risk: Create a retirement plan personalized to you
  • Distribution Risk: Distribute money from accounts in the proper order to give you the most money
  • Family/Estate Risk: Create an estate plan to help minimize the devastating impact your demise can have on the family you leave behind
  • Tax-Efficiency: Evaluate the costs and benefits of tax-free strategies like Roth Conversions, Roth IRA, Roth 401k, etc., and create Roth Conversion schedules and determine tax impact.
  • Long-Term Care Risk: Help reduce the emotional and financial impact of Medicaid spend-down for long-term care on your family and money.
  • Investment Options: Help navigate the many investment strategies you can invest in.