Retirement Without Second-Guessing
If you’re 50 or older, our fee-only fiduciary planning process helps you simplify decisions, reduce tax surprises, and connect your money to your life with clarity.
You’re 50+,
You’ve Saved $750,000+,
and You Still Have Questions…
That’s where our fee-only fiduciary retirement planning comes in.
Retire With Clarity
How soon can I stop working — and turn my savings into a reliable, lasting paycheck?
Invest With Purpose
Are my investments set up to fund my income so I can enjoy retirement on my terms?
Reduce Taxes, Keep More
How can I minimize taxes in retirement so I enjoy more of my money and leave more to my family — not Uncle Sam?
Know What You’re Really Paying
Do I fully understand the fees I’m paying — and could hidden costs from other advisors be eating into my retirement?
Services to Simplify, Protect & Guide Your Retirement
We’re Here for You, Every Step of the Way
Whether you’re preparing for retirement or already enjoying it, we’re your fee-only financial advisor here to guide you every step of the way. From retirement income and investments to taxes, Social Security, and Medicare, our services are tailored to your life — so you can focus on enjoying it, not managing the details.
Retirement Planning
Retirement isn’t one-size-fits-all. We’ll help you see where you are today, define what retirement means to you, and create a plan to make it happen — with clarity, security, and peace of mind.
Income Planning
We’ll help you turn your savings into a reliable, lasting paycheck. Your plan covers retirement accounts, pensions, and Social Security — with a focus on adapting to market changes and keeping taxes low.
Tax Planning
Smart tax planning means keeping more of what you’ve earned. We’ll work with your tax professional to reduce lifetime taxes and make filing simple — so you don’t leave the IRS a tip.
Investment Management
Your investments should support your retirement, not stress you out. We’ll align your portfolio with your goals, reduce costs, and manage risk — so your money works harder for you.
Social Security & Medicare
These decisions can feel overwhelming, but you don’t have to make them alone. We’ll help you choose when to claim Social Security and find the Medicare coverage that fits your needs.
Insurance & Estates
Life doesn’t always go as planned. We’ll work with your attorney and insurance professionals to help protect your family and legacy — never taking commissions or selling products, so our advice stays in your best interest.
Why Clients Trust Iron Mountain Financial Planning
Fiduciary First
We always put your interests ahead of our own. As fiduciaries, our only goal is helping you build and enjoy the retirement you want.
Fee-Only & Transparent
We never earn commissions or sell products. Our transparent fee-only model means you get objective advice—nothing more, nothing less.
CFP® Professional Standards
As CERTIFIED FINANCIAL PLANNER™ professionals, we follow the highest standards of ethics and competence—so you can plan with clarity and confidence.
We are proud members of
Retirement Planning Case Studies
Planning for Retirement
Case Study #1 – Steve & Sara
Steve (age 60) and Sara (age 58) are starting to think seriously about retiring while they’re healthy enough to enjoy it. They’d love to travel and spend more time with family — but they’re unsure if they’ve saved enough to live the life they imagine. Market volatility and income planning are starting to weigh on their minds.
Retired with Questions
Case Study #2 – Mark & Linda
Mark (age 67) and Linda (age 66) recently stepped into retirement. They’re staying active with community projects and travel, but lingering worries remain—when to claim Social Security, how to draw from their accounts without overspending, and whether their investments are set up to last through rising costs.
Confidance After Loss
Case Study #3 – Susan
Susan (age 63) recently lost her husband and suddenly found herself facing major financial choices alone. Between managing investments, understanding survivor benefits, and adjusting to a new lifestyle, she felt unsure about where to begin—or how to make decisions with confidence.
Interested
in Working Together?
Get started in three simple steps
A Conversation That’s All About You
Start with a 30-minute call to talk about what’s on your mind and what you want from retirement. No sales pitch — just a chance to see if working together makes sense.
Discovery Meeting
If we’re a good fit, we’ll meet (in-office or on Zoom) to review your current situation and what matters most to you. You’ll get a clear view of where you stand today.
Observations & Next Steps
We’ll share observations and ideas tailored to your goals, along with a simple one-page summary. Then, you decide if you’d like to move forward — no pressure.
Retirement Planning Is What We Do Best
At Iron Mountain Financial Planning, we specialize in helping people 50 and older prepare for and live in retirement with clarity and confidence. As a fee-only fiduciary firm based in the Black Hills of South Dakota, we proudly serve clients across the country who want to retire on their terms.
You’ve worked hard to build your savings, and you deserve to enjoy life — spending time with family, traveling, and pursuing what matters most — without second-guessing your financial future.
We understand how complex and uncertain the transition to retirement can feel. That’s why Brian Bickett, CFP®, EA, built a planning process grounded in trust, transparency, and simplicity — to help you make decisions with confidence and live the retirement you’ve worked for.
Ready to Stop Second-Guessing Retirement?
Let’s talk about what’s on your mind today and see if our Fee-Only Fiduciary process can help you move forward with confidence.