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***Attention Medicare Beneficiaries***

This year's Medicare open enrollment period is October 15th through December 7th. If you're not sure how that affects your health insurance for 2017, call us at (406) 294-5650 to set up an appointment to come see Ronda. Anyone who had New West Medicare Advantage this year will be losing their coverage January 1st & needs to get new insurance.  Watch the video below for more details about Open Enrollment. I would appreciate if you would click here to like our Facebook page and help us spread the word.


Financial Planning


We educate our clients and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

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Business
Owners


We design customized benefit plans with an emphasis on affordability, ease of administration & personalized customer service.

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Medicare
& Social Security


We help you wade through the Medicare & Social Security maze.

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Welcome, I’m Ronda Smith ~ That’s Ronda with no “H”. The “H” stands for hassle & I take the hassle out of your financial advising & insurance needs.

Whether you’re a seasoned investor or just starting out, I would appreciate the opportunity to earn you business. I build clients comprehensive financial plans that include stocks, bonds, mutual funds, & annuities. Your plan will incorporate not only your retirement savings needs but also your insurance needs including health insurance, dental insurance, disability insurance, life insurance & long term care insurance. I can also help wade through the Medicare & Social Security “maze” of options. There is no cost or obligation to have your own customized financial plan so call to today & get started on your road to financial success. our personalized service focuses on your needs, wants, and financial goals and objectives. 

We look forward to working with you through all stages of your life.

Contact Us

Helpful Content

My Retirement Savings

My Retirement Savings

Estimate how long your retirement savings may last using various monthly cash flow rates.

Principles of Preserving Wealth

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Taxable vs. Tax-Deferred Savings

Taxable vs. Tax-Deferred Savings

Use this calculator to compare the future value of investments with different tax consequences.

 

Saving on Subscription Service Costs

There are ways to improve your physical fitness without denting your fiscal fitness.

What Do Your Taxes Pay For?

Here's a breakdown of how the federal government spends your tax money.

Does Your Portfolio Fit Your Retirement Lifestyle?

Lifestyle considerations in creating your retirement portfolio.

Estate Management Checklist

Is your estate in order? This short quiz may help you assess your overall strategy.

Pullbacks, Corrections, and Bear Markets

Pullbacks, corrections, and bear markets are all a part of the investing cycle. When the market experiences volatility, it may be a good time to review these common terms.

Teen Drinking and Your Liability

Drinking may be a “rite of passage” for teens, but when it occurs in your home you may be held responsible for their actions.

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What Is My Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

Federal Income Tax

Use this calculator to estimate your income tax liability along with average and marginal tax rates.

Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Saving for College

This calculator can help you estimate how much you should be saving for college.

What Is My Current Net Worth?

Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.

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5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

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Dreaming Up an Active Retirement

When you retire, how will you treat your next chapter?

Keeping Up with the Joneses

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

Surprise! You’ve Got Money!

Here’s a quick guide to checking to see if you have unclaimed money.

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations?

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

The Business Cycle

How will you weather the ups and downs of the business cycle?

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