Frequently Asked Questions
Check below to find answers to your questions about our financial planning services.
A fee-only Business Guide is compensated solely by the client, without commissions or financial incentives from third parties. This structure ensures that the advice provided is always in your best interest, with no conflicts of interest. By choosing a fee-only advisor, you gain unbiased guidance focused solely on your financial success.
We specialize in working with small business owners who want a fresh approach to their finances. Our clients are often looking to align their business goals with their personal wealth, seeking modern financial strategies tailored to their unique lifestyle.
At Intrepid Financial Services, we focus on providing personalized, fee-only financial advice tailored to the needs of bold, entrepreneurial clients. Unlike traditional advisors who may follow a one-size-fits-all approach, we align your personal and business financial goals, use technology-driven solutions, and offer flexible plans designed for today’s evolving lifestyle. Our approach is about empowering you to reach new heights, not just maintaining the status quo.
Yes, we work with clients across the country! Thanks to virtual meetings and digital communication tools, we can serve clients no matter where they are located, making it easy to get the financial guidance you need from the comfort of your home or office.
The frequency of meetings depends on your specific needs. For ongoing financial planning clients, we also provide quarterly check-ins or whenever significant life or business changes occur, ensuring your plan stays aligned with your evolving goals.
To prepare your financial plan, we typically request documents like tax returns, bank and investment account statements, retirement plan summaries, business financials, and information regarding your income, expenses, and insurance coverage. These documents help us create a comprehensive view of your financial situation.
We offer both! You can choose between a one-time comprehensive financial plan and business assessment or ongoing financial planning and implementation services. Our ongoing option ensures continuous support and adaptation as your life and business evolve.
We believe your business and personal financial goals should work in harmony. By understanding both areas of your life deeply, we craft a plan that integrates your business growth with your personal wealth objectives, ensuring decisions you make for your business contribute to your overall financial well-being.
For small business owners, we offer a full range of financial planning services, including business financial assessments, retirement planning solutions like Solo 401(k)s and SEP IRAs, tax optimization strategies, cash flow management, and wealth-building strategies that align with both your business and personal goals.
Yes, we provide retirement planning options tailored to the unique needs of business owners and their teams. This includes Solo 401(k)s, SEP IRAs, Traditional and Roth IRAs, as well as full 401(k) plans designed to benefit both the owner and their employees, ensuring everyone’s retirement goals are taken care of.
Absolutely! We can help guide you through business structuring decisions, such as determining the right type of entity for your business—whether it’s an LLC, S-Corp, or other structure. We work with you to ensure that your business setup aligns with your financial goals, providing tax efficiency and liability protection.
A financial advisor who understands business finance can provide holistic guidance that covers both your business and personal life. This means more effective cash flow management, tax planning, and wealth-building strategies that are designed to benefit both you and your business, ultimately helping you reach your financial goals faster and more efficiently.
No, we do not have a minimum asset requirement. We believe that everyone deserves quality financial advice, regardless of their starting point. Our goal is to help you grow your net worth, whether you’re just starting out or already have substantial assets.
During our initial free consultation, we’ll take time to get to know you—your financial goals, concerns, business challenges, and what you’re hoping to achieve. We’ll discuss your current financial situation and how our services can help you get to where you want to be. It’s a no-pressure conversation designed to determine if we’re a good fit for each other.
The financial planning process generally takes about two to three months from start to finish, depending on the complexity of your situation and how quickly we can gather the necessary information. This timeline allows us to ensure your financial plan is both thorough and tailored to your unique needs.
We offer both virtual and in-person consultations, depending on your preference. For clients outside of Montana or those who prefer the convenience of remote meetings, we are fully equipped to work with you virtually. We want our services to fit seamlessly into your lifestyle, making it as easy as possible for you to get the financial guidance you need.
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