Frequently Asked Questions

I am not an Architect or Engineer, can I still work with you?
- Yes, we specialize in working with Architects and Engineers but also work with all types of people and professions.
I am not in Bozeman, can I still work with you?
- Yes, we work virtually across the country but our homebase is in Bozeman, Montana.
Do I need to have a certain amount of money to work with you?
- No, we’ve structured our offerings to work with people in all different financial situations.
What makes you different from other financial advisors?
- Our focus is on professionals in the built environment, particularly architects and engineers. With our engineering background, we understand their unique financial challenges and offer personalized, holistic financial strategies to align their personal and business finances. We are a small independent firm so we can be very hands on with each of our clients offering services and help beyond what most firms are willing to provide.

Are you a fee-only advisor and a fiduciary? How do you get paid?
- Yes, we are fee-only fiduciary firm. This means we are legally and ethically obligated to act in your best interests at all times. Our pricing is transparent, and we don't sell any products or earn commissions. We provide honest advice that aligns with your goals, and we discuss all fees and expectations upfront before agreeing to work together. (See our Pricing Page).
What if I’m not sure if I need a financial planner yet?
- Financial advice is useful at many stages, especially during life changes like starting a business, managing cash flow, or planning for retirement. If you're unsure, our free pre-design meeting helps determine what services would be most helpful.
What can I expect to get out of working with you?
- Our objective is to help you achieve Financial Peace of Mind, Build Financial Confidence, and Experience Financial Abundance. Our Case Studies showcase what’s possible through our personalized financial planning.
How do I get started?
- Book a free Pre-Design Meeting to learn what your path to financial abundance could look like.

Can I cancel your on-going services or investment management?
- Yes, you can cancel anytime if you no longer wish to receive our services.
What if my finances are a mess?
- That’s why we’re here! We help bring clarity to even the most disorganized financial situations and create a roadmap for moving forward.
What if I don’t like discussing money?
- We know money can be a stressful topic, but our goal is to make these conversations approachable. We create a judgment-free space where you can feel comfortable talking about your financial concerns.
Do you only work with people who are already financially stable?
- No, we work with individuals at various stages. Whether you're starting out or already established, we help tailor strategies to fit your needs and goals.

I’m not sure if I can trust you with my money.
- Trust is important, and we take that seriously. We are transparent in our approach, provide clear communication, and offer two no-obligation meetings so you can get to know us before deciding to work together. Check out our Case Studies to see what working together can look like.
I’m scared to let someone else manage my money.
- When we manage investments, we operate with discretionary authority meaning we have discretion to made decisions and execute trades as we see fit. Our process is designed to help educate you as well as build trust so you are confident in our investment process. That being said, it is always your money and you have the ability to do withdraw it at any time or tell us how you would it to be invested. Our role is to provide guidance and expertise, but all decisions are made collaboratively, ensuring your comfort every step of the way.
I’ve never had anyone tell me what to do with my money before.
- We don’t dictate decisions—we empower you with advice so you can make informed choices. Our focus is on providing the tools and insights to help you succeed.

Why do I need you, can’t I just do this all myself?
- You certainly can. But are managing your finances and investments your strength? If so, great, keep doing it! If not, then it might be worth bringing in some support. Don’t neglect one of the most important areas of your life because you will get to it “tomorrow”. Leverage your finances to be the tool that allows you to live the life you always dreamed of.
What if I don’t see the value in hiring a financial planner?
- Our job is to help you see beyond day-to-day finances and create a roadmap for your long-term goals, whether that’s reducing taxes, optimizing investments, or planning for retirement. We offer value that goes far beyond what’s possible with DIY approaches. Checkout our Case Studies for examples of what is possible.
What if I want to manage my investments on my own?
- We offer services beyond investment management, like cash flow planning, tax strategies, and long-term financial planning. You can work with us on specific areas while continuing to manage your investments.

It seems too expensive for me.
- We offer various service levels designed to meet you where you are. For example, single-session strategy meetings provide valuable insight without the cost of long-term engagement, while our full-service options are designed to deliver long-term value that can outweigh the fees.
I don’t have the money right now to afford it.
- We understand finances can be tight, which is why we offer flexible payment options and a range of services. Even small steps now can lead to significant improvements in the future. Part of our process is incorporating our fees into your plan. We will help you figure out the best way to pay for our services.

It’s not the right timing for me right now.
- Timing is always a factor, but the earlier you start planning, the more beneficial it is. We’re happy to work at your pace, whether it’s a quick check-in or long-term planning. Our free Pre-Design Meeting can help you assess whether now is the right time.

I’m hesitant to make a commitment.
- That’s understandable! We offer one-time strategy sessions and short-term planning options so you can get started without committing to a long-term relationship. Our goal is to provide value from day one, without pressure. Also, you are never locked into a contract or can’t stop services at any point in time.

Where did the name Off the Beaten Path Financial come from?
- Glad you asked! Read our Origin Story to learn more about why we chose a name that reflects our unique approach to financial planning.