Create & Build Wealth

In today’s world, financial planning is more important than ever. But knowing you need to plan and knowing how to build your plan are two different things. First Interstate’s Wealth Management advisors will help you design a financial plan that allows you to create and build wealth – the first steps toward a secure and stable future for you and your family.

We realize managing investments, planning for retirement, choosing a life insurance plan, and other wealth management decisions don’t come naturally to everyone. That’s why we have a team of skilled Wealth Advisors prepared to assist you.

Saving for Retirement

There’s no time like the present to start saving for retirement. We offer a wide variety of solutions to fit your retirement needs.

We all know the sooner we start saving for retirement, the better off we’ll be. But from there, the questions begin. What are my retirement dreams? Can I afford my retirement dreams? How much do I need to save? Is it too late to start saving? Will I ever retire?

We know that your stage in life—whether you are just starting out in the workforce or approaching the end of your career—determines your retirement needs, concerns, timeline, and goals. We make it our goal to understand you and your lifestyle and take the guesswork out of planning your retirement. Our Wealth Advisors take the time to get to know our clients, providing counsel and creating tailor-made retirement solutions.

Schedule a consultation with a Wealth Advisor to evaluate your retirement goals and craft a custom savings plan.

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IRAs

Individual Retirement Accounts (IRAs) are an ideal way to save for retirement, but sometimes it’s hard to know whether a Traditional IRA or a Roth IRA is right for you. What’s the difference? Simply put:

Traditional IRAs

Traditional IRAs offer tax-deferred earnings and tax-deductible contributions.

Roth IRAs

Roth IRAs offer tax-free* earnings, but contributions are not deductible.

Use the IRA calculator to determine which investment method is best for you. Still unsure? Schedule an appointment with one of our experienced Wealth Advisors today.

Getting Started

When planning for retirement, it’s best to know how much you need to save to achieve the lifestyle you want. Use these calculators to find out how much money you must save now in order to make recurring withdrawals of a specified amount during your retirement years.

Retirement Calculators

*Please consult your tax advisor

Long-Term Planning

There’s no such thing as “one-size-fits-all” when it comes to planning for the future. You have unique needs and we understand that. Our Wealth Advisors provide complimentary consultations and customized strategies tailored to your specific needs.

At First interstate Wealth Management, we have the expertise to assist you with not only expected wealth management issues but with the unexpected as well. Our Wealth Advisors can help you with even the most complicated issues, giving you security and peace of mind.

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Solutions

We take the time to work comprehensively with our clients on wealth management issues that our research shows are important for our clients to address:

  • Investment Issues
  • Planning for the Unexpected
  • Liabilities Issues
  • Qualified Retirement Plans/IRAs
  • Distribution Issues
  • Corporate Executive Stock Option Issues
  • Business Succession Plan Issues
  • Durable Power of Attorney Issues
  • Gifting to Children/Descendants/Others During Life Issues
  • Charitable Gifting During Life Issues
  • Titling of Assets Issues
  • Executor/Successor Trustee Issues
  • Distribution Plan to Spouse/Descendants at Death Issues
  • Charitable Inclinations at Death Issues

Process

Our Wealth Advisors take the time to help you identify and define your goals and wishes. From there, you will work together on a tailor-made plan to ensure your estate benefits the people and organizations you care about most.

Collaboration

Our qualified and experienced Wealth Advisors and their bank partners work directly with clients to plan for a broad range of strategies including credit, deposit, investment management, brokerage, income and tax strategies, estate planning, etc.

*See Insurance Services

Saving for College

Saving for college can be an overwhelming task, but First Interstate’s college saving plans help make it a little easier.

The cost of a college education continues to rise. Yet, a college education has never been more important. Today, college degrees can open doors to new opportunities, higher paying jobs, and a better quality of life.

Give your children or grandchildren a good start in life. It’s never too early or too late to plan for college. At First Interstate Investment Services, we’ll help you estimate college costs, determine how much you need to save, and offer expert advice on the right products and services to meet your individual college investment needs. Contact one of our experienced professionals to get started.

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Saving Options

Saving for college now can not only offset future education expenses, it can also provide a variety of benefits. Our team members will work with you to identify your savings priorities, review your savings options, and make an informed decision on which savings plan is right for you.

529 College Savings Plans

529 College Savings Plans, named after Section 529 of the Internal Revenue Code, offer a variety of tax-advantages. Contact a Registered Representative today to see if a 529 Plan is right for you!

Coverdell Education Savings Accounts

Coverdell Education Savings Accounts are designed to help parents fund their child’s education. Contributions to the account are taxed; however, earnings used to pay education expenses are not.

Roth IRA

A Roth IRA may also be a good fit when thinking ahead to college expenses.

Gifting

The Uniform Gifts to Minors Act (UGMA) provides a tax-effective avenue to transfer cash and securities to a minor without the need for a trust. UGMA allows children to receive gifts up to a certain value without tax consequences.

For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither LPL Financial, nor any of its representatives, may give legal or tax advice.

Planning for the Unexpected

As your family, assets, and investments change, so do your insurance needs. Let us help you establish the best insurance plan to support your life and loved ones.

It’s important to plan for the unexpected and ensure the protection of your family and your assets. Our insurance plans keep your overall financial goals at the forefront. Not sure what type of insurance you need? Don’t worry – our experienced professionals will assist you in selecting the plan that is right for you.

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Life Insurance

Life insurance is a unique asset due to its potential high yield and its tax-favored benefits. Use life insurance to create an estate, pay death taxes and other estate settlement costs, fund a business transfer, protect a business from loss of a key employee, provide an executive benefit for business, for a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither LPL Financial, nor any of its representatives, may give legal or tax advice.

Disability/Long-Term Care

Becoming disabled can be financially devastating. While some people can get by without working for several months, few can afford to stop working for an extended period of time. For some, Disability Insurance can be as important as Life Insurance, especially if you are your family’s sole provider or own a business.

Short-Term Disability

replaces a portion of lost salary in the event the policy owner misses six months or less of work. Coverage typically begins after all sick leave has been used.

Long-Term Disability

picks up where Short-Term Disability insurance leaves off. It provides the policy owner with a percentage of their salary for an extended period of time.

Long-Term Care Insurance

generally covers extended health care, either at home, in a nursing home, or at an assisted-living facility.

Our team of professionals will help you find the solution that fits your life.

Ready to Get Started? We realize wealth management decisions don’t come naturally to everyone. That’s why we have a team of skilled Wealth Advisors prepared to assist you.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Investment Advisory Services offered through LPL Financial, a Registered Investment Advisor. First Interstate Bank and First Interstate Investment Services are not registered broker/dealers and are not affiliated with LPL Financial. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Montana, Wyoming, and South Dakota.

Securities and insurance products are:

Not FDIC insured  Not guaranteed by First Interstate Bank  May lose value 
Not guaranteed by First Interstate Bank  Not insured by any federal government agency.