When reinvesting the proceeds from the sale of a farm or ranch, we believe in taking a conservative approach. We offer a variety of investment, insurance and banking solutions and strategies to meet your specific goals and objectives. As independent advisors, we do not offer proprietary investment products and are not subject to product quotas or corporate-mandated sales goals. Instead, we will design custom solutions for your specific situation. These may include:
- Real Estate
Delaware Statutory Trust (DST) Real Estate Investments: These allow investors to purchase fractional interests in income-producing real estate using a 1031 exchange or with non-exchange proceeds. They may be suitable for investors who are selling real estate (and want to defer tax on the sale by using a Section 1031 exchange), who do not want to manage rental properties and who want monthly income. Minimum investments start as low as $100,000 and are for accredited investors only.
Real Estate Investment Trusts (REIT): A Real Estate Investment Trust is a company that owns and operates income-producing real estate assets. REITs can own various types of real estate including office, apartments, shopping centers, health care, self storage, industrial, hotels and more. REITs may offer investors current cash flow from dividends, liquidity (depending on whether it’s a traded or non-traded REIT) and diversification opportunities.
Real Estate Funds: These are funds that enable investors to participate directly in a variety of real estate projects and/or properties and share in the venture’s cash flow and potential tax benefits.
Custom Properties: For those investors with larger sums to invest, we provide access to custom, turn-key commercial properties in real estate markets across the country. These real estate investments are eligible replacement properties for 1031 exchanges and may provide similar benefits to DST properties but are owned solely by one investor or family.
- Banking Solutions
Through our relationships with two financial services firms, we are able to provide our clients access to traditional banking services, including certificates of deposit (CDs) and high-yield money market, checking and savings accounts.
- Fixed Income
High quality bonds can provide a stable and secure return on investment. Government-issued bonds can provide attractive tax benefits. Our bond investments include municipal, U.S. government and corporate bonds.
- Stock and Bond Mutual Funds
Our mutual fund investments consist of globally-diversified portfolios of no-load, low cost asset-class mutual funds offered through Dimensional Fund Advisors (DFA), one of the world’s largest and most respected institutional money managers. Theses structured-investment portfolios contain holdings in over 12,000 companies and government entities in 40 or more countries. Our model portfolios range from conservative (100% bonds) to aggressive (100% stocks and real estate).
Oil and Gas Direct Participation Programs: Direct participation programs enable investors to participate directly in an oil and/or gas business ventures and share in the venture’s cash flow and tax benefits. Oil and gas working interest and royalty interest programs provide property sellers a viable alternative to real estate for their 1031 exchange replacement property. Ownership is structured through a “fractional interest” similar to tenant-in-common ownership and is considered “like-kind” for exchange purposes. Drilling programs allow investors potential opportunities for cash flow and attractive tax benefits.
- Insurance Company Solutions
Annuities: Annuities are contracts offered through insurance companies and can serve as a conservative place to accumulate money on a tax-deferred basis with the ability to have an income stream guaranteed for life. By utilizing the IRC Section 1035 exchange, a person is able to exchange an existing annuity into a new annuity while deferring any taxable gain in the old annuity. All guarantees are subject to the claims-paying ability of the issuing insurance company.
Insurance: As independent agents, we are able to shop multiple companies to help you find an appropriate life or long-term care insurance policy at competitive prices.
- Investment Risks
Each investment strategy has specific risks. We help our clients identify and evaluate the risks associated with each type of investment and help them determine whether the investment is suitable for them. DST investment risks include but are not limited to loss of investment principal, declining market values, loss of management control, tenant vacancies and illiquidity. Additionally, oil and gas investments are subject to fluctuating productivity, depletion and energy prices. If a 1031 exchange is not structured properly, the potential tax benefits may be lost.
This material has been prepared for educational purposes only and does not constitute an offer to purchase securitized real estate or direct participation programs. Such offers are made through the Private Placement Memorandum which is solely available to accredited investors. TIC/DST and DPP investment opportunities have specific risks, are highly illiquid investment opportunities and are available only to accredited investors who meet suitability requirements. As defined under Rule 501 of Regulation D under the Securities Act, an individual or married couple must exceed $1,000,000 million in total net worth to be accredited, or individual income must be in excess of $200,000 ($300,000 for a couple) in each of the two most recent years with a reasonable expectation of reaching the same income level in the current year. For a more complete definition of an accredited investor, see http://www.sec.gov/answers/accred.htm. IRC Section 1031 is a complex tax code. Consult your tax and/or legal professional for details regarding your specific situation. Mutual funds are offered by prospectus only. Past performance is not indicative of future results. Diversification does not guarantee better performance and cannot eliminate the risk of investment loss. Securities and advisory services offered through Independent Financial Group, LLC (IFG), a registered broker-dealer and investment advisor. Member FINRA /SIPC. IFG and Montana Wealth Management are not affiliated.
Please note: All information is provided as a courtesy. We make no representation as to the completeness or accuracy of information provided on third party websites. When you access these sites, you are leaving this company’s website and assume total responsibility and risk for your use of the sites you are linking to.