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Are You Asking Yourself Any of These Questions?
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Do I have enough to retire with confidence in Minneapolis?
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When can I retire? And, will I be able to stay retired?
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Will I have enough to travel and do the things I love in retirement?
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How do I make sure I don’t outlive my money?
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How can I plan for income streams in retirement?
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What about long-term health care? Will I be covered?
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Is my insurance strategy designed to seek optimal long-term care, legacy, and tax efficiency?
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Should I be doing more to minimize taxes right now and in retirement?
If these questions are on your mind, consider connecting with an experienced fiduciary advisor. A fiduciary wealth advisor at 360 Financial can guide you through your retirement options and help you build a comprehensive retirement and investment strategy.
Get Ready for Retirement
Prepare for a Confident Retirement in Minneapolis
Nobody wants to find out they’re unprepared after they’ve already retired.
One of the most common questions we hear is:
“Do I have enough to retire?”
Our comprehensive financial planning process gives you clarity about your retirement readiness. When you work with our team of specialists at 360 Financial, you get a plan that addresses every piece of the puzzle.
You can feel confident knowing you're prepared.
What Should a Good Retirement Plan Cover?
At 360 Financial, we use our proprietary LifeWealth System to help you address every area of your financial life.
Our LifeWealth System brings together asset management, tax strategies, estate planning, and risk management into one coordinated strategy for you.
You receive a comprehensive, customized retirement plan. We leave no stone unturned when we help you plan for retirement.
Your retirement strategy will cover:
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Retirement income streams
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Asset allocation aligned with your financial goals
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Strategic tax planning for today and over the long term
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Long-term health care and insurance planning
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Social Security strategies designed to seek optimal outcomes
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Risk management and legacy planning
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Estate planning and generational wealth planning
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Gifting and other advanced wealth transfer strategies
Our 360 Financial wealth advisors tailor your financial plan and investment portfolio to your life stage and goals.
Our fiduciary financial advisors focus their investment advice and retirement planning guidance on what matters most to you.
Whether you want to slow down, exit your business, or transition to a “work-optional” lifestyle, our goal is to help you get there.
Do You Want Clarity and Confidence About Your Future?
You’ve worked hard to build your success, and you deserve a retirement that reflects it.
We’ll help you:
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Understand your retirement readiness.
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Create lasting income streams from your investments.
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Identify and reduce tax liabilities.
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Build a flexible plan that evolves with your life.
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Provide estate planning and generational wealth guidance.
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Navigate complex retirement and financial planning decisions.
And perhaps most importantly, we’ll help you simplify complex decisions so you can look forward to your work-optional lifestyle.
What Is the Value of Working with 360 Financial?
Our seasoned advisors simplify your financial planning process, save you time, and help you avoid costly mistakes.
The 360 Financial team provides structure, collaboration, and decades of experience.
Most importantly, we truly care about our clients and treat them as we would our own family.
Benefits of Working with a 360 Financial Fiduciary Wealth Advisor
Client-Centric Advice
Our fiduciary duty means we always act in your best interest.
Holistic Planning
We align your retirement, tax, estate, and investment plans.
Personalized Portfolios
Tailored to each client’s goals and risk tolerance.
Proactive Guidance
We work to adjust your plan as markets shift or your life changes.
Confidence
You’ll always know where you stand and the next steps to pursue your goals.
Communication
Your advisor is always available to guide impactful financial changes or milestones.
What to Look for in a Retirement Advisor
Fiduciary Duty
A fiduciary is legally and ethically required to act in your best interest. At 360 Financial, our advisors uphold this standard in every interaction.
Credentials
Our advisory team includes professionals with designations such as:
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CFP® – Certified Financial Planner™ (Danielle Cain, Michael Urch, Will Grant, Michele Meier, Dan Mahoney)
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AIF® – Accredited Investment Fiduciary® (Mike Rogers, Brian Bohnsack)
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CPWA® – Certified Private Wealth Advisor® (Will Grant)
Planning & Services
Before you engage with an advisor, understand what services are included.
360 Financial provides a full range of experienced, time-tested wealth management services.
For the full list of services, please see the list below.
360's Financial Planning and Wealth Management Services
At 360 Financial, we treat every client with the same care and respect as we would our own family.
As an independent firm, we provide outstanding service and personalized, big-picture planning for families, professionals, executives, and business owners.
Services Include:
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Comprehensive retirement planning and income strategies
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Investment management and tax-efficient portfolio design
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Strategic tax planning and Roth conversion strategies
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Estate and legacy planning, including generational wealth transfer
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Charitable giving and philanthropic planning
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Business succession and exit planning
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Business and tax planning for small businesses
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Insurance and risk management, including long-term care planning
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Education funding and multi-generational family planning
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Cash flow and liquidity planning
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Coordination with attorneys, CPAs, and other specialists*
*You are under no obligation to use the services of any of the outside professionals referred, and may choose any qualified professional to provide services. These entities and their services are not affiliated with LPL Financial and 360 Financial.
Ongoing Support Is Key to Staying on Track
As your life evolves, your plan should, too.
At 360 Financial, we proactively check in and continuously adjust your plan to keep you aligned with your long-term goals. Whether the market is up or down, you can feel confident knowing we have a plan working for you.
Retirement Planning Minneapolis FAQ
Costs can vary, but you should expect full transparency. Our pricing is based on Assets Under Management and is designed to reward growth. As your assets increase, the fee percentage decreases—making it a true win-win.
Your success drives our partnership, and we share in the value we help create. Here's what makes this different: at $1M, you might pay 1%. At $3M, that drops to 0.85%. At $5M+, it's even lower. You're rewarded for growth, not penalized for it.
For the full cost schedule, please schedule a call with a financial advisor.
How much should a retirement advisor cost?
Yes, it can.
Thoughtful asset allocation, risk management, and tax-efficient investing are key. 360 Financial follows a disciplined, evidence-based investment philosophy customized to your goals.
Our Investment Committee has decades of combined experience and meets every other week to review strategies and share notes.
You’ll receive monthly Investment Committee notes that explain any strategy changes.
Can the right investing strategies strengthen my retirement future?
360 Financial's advisors structure multiple income streams, from Social Security and pensions to IRAs and taxable accounts, to support your lifestyle and long-term goals. Your income streams will be tailored to your specific situation and goals.
How can a financial advisor help me create a reliable retirement income?
Choose a fiduciary financial advisor with experience helping high-net-worth individuals and families plan their retirement and create long-term income streams. Look for CFP®, AIF®, or CPWA® designations along with a strong track record with clients just like you.
What type of financial advisor is best for retirement?
Strategic tax planning can reduce your overall tax burden. We look at Roth conversions, withdrawal sequencing, charitable giving, and other advanced strategies to help minimize taxes.
Can tax planning help me keep more of my retirement income?
We model rising healthcare costs and help you prepare for long-term care expenses with appropriate insurance, asset preservation, and contingency planning to help manage risk.
How do you plan for healthcare and long-term care in retirement?
If you own a business, have multiple income sources, or want to leave a legacy, comprehensive wealth management helps coordinate estate planning, tax strategies, and business succession.
At 360 Financial, we provide holistic wealth management to successful professionals and business owners in the Minneapolis-Twin Cities area and across the United States.
Who needs comprehensive wealth management?
It depends on your lifestyle and goals. For many high-net-worth individuals, retirement assets often start in the low seven figures, but the right number depends on your exact situation. While $1M may be enough for one couple, $5M may be necessary for another. How much you need to retire with confidence depends entirely on your lifestyle, taxes, and goals. Schedule a call to get tailored advice for your situation.
How much money do you need to retire with confidence in Minnesota?
You should start working with a wealth advisor or planner five to ten years before retirement.
If you're a business owner with succession or liquidity concerns, start working with an advisor as soon as possible.
In addition, if you've recently received a large inheritance and are unsure whether it is well-optimized, seek guidance from a financial advisor.
When should you work with a wealth manager or advisor?
The best retirement planning firm depends on your financial situation, goals, and the complexity of your planning needs. For individuals or families with over $1M in investable assets, especially those with tax planning considerations or business ownership, a fiduciary firm that offers holistic retirement, investment, and tax-aware planning will be a strong fit.
At 360 Financial, we work with professionals and business owners who benefit from a coordinated, comprehensive approach to retirement planning.
What is the best company for retirement planning in Minneapolis?
A Roth IRA conversion (sometimes called a backdoor Roth strategy) is a way to contribute to a Roth IRA when income exceeds standard limits. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you’re required to take a minimum distribution in the year of conversion, it must be completed before converting.
To qualify for tax-free withdrawals, you must generally be age 59½ and hold the converted funds in the Roth IRA for at least five years. Each conversion has its own five-year period, and early withdrawals may be subject to a 10% penalty unless an exception applies. Income limits still apply for future direct Roth IRA contributions.
