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15+
YEARS EXPERIENCE
CFP®
CERTIFIED FINANCIAL PLANNER
Fiduciary
$500k
MINIMUM INVESTIBLE ASSETS
WHO WE SERVE
Built for complexity.
Designed for clarity.
We work with a select group of clients who have significant assets and complex financial lives - where mistakes cost more and the stakes run higher. Good planning goes beyond the numbers: it's about protecting the people and the future you're actually building wealth for.
Business Owners
Your business is your largest asset - and your greatest planning challenge. I integrate your personal and business financial strategy into a single, coordinated plan.
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Exit and succession planning
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Tax-efficient compensation structures
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Buy-sell agreements & key-person insurance
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SEP-IRA, Solo 401(k), defined benefit plans
Executives & Professionals
Equity compensation, concentrated positions, and peak earning years require proactive, coordinated planning.
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Concentrated stock diversification
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RSU, ISO, NSO exercise strategies
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Deferred compensation planning
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Multi-state tax optimization
Retirees & Near-Retirees
The decade before and after retirement is the most consequential for lifetime wealth. I help you get it right.
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Retirement income sequencing
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Social Security optimization
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Medicare planning
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RMD strategy & Roth conversions
WHAT WE DO
Every dimension of your wealth.
One coordinated plan.
Wealth has many facets. Each area matters.
Built for the long view.
CFP®
FIDUCIARY
ROOTED IN MONTANA
15+ YEARS
I live, work, and play in Montana's mountain ranges - the Bridgers, Tobacco Roots, Gallatins, Madisons to name a few. Life here rewards patience, preparation, and a long view. So does a good financial plan. Being a trusted fiduciary, I bring that same patience and preparation, and think a few moves ahead. Here's how I work →
HOW WE WORK
Four steps to a plan
that works for you.
01
02
03
04
Deep Dive
I gather the full picture - taxes, investments, insurance, estate documents, goals.
Your Plan
A comprehensive, written financial plan with clear priorities and specific action steps.
Ongoing Partnership
Ongoing reviews, proactive tax planning, and a direct line to Björn.
REAL PERSPECTIVES
What clients are saying
"I came in knowing what good advice looks like, but what I found at Net Worth far exceeded that. The strategies Björn brings to the table are unlike anything I have ever seen before. My additional investments speak for themselves and my financial goals are quickly being realized."
JH
Josh H. - Corporate Executive
"My financial life spans equity compensation, multiple business interests, and a complex tax picture. Finding an advisor who brings all of those pieces together is rare. Bjorn does, proactively and with genuine sophistication, and the results have followed."
TW
Tyler W. - Business Owner
"Retirement brings a lot of uncertainty, and I came to Björn with plenty of it. He walked me through the numbers, built a plan I could see and understand, and put the pieces in place to make it work right. I sleep peacefully knowing exactly where my next dollar is coming from."
KS
Kathy S. - Retired
Testimonials are from current clients of Net Worth Financial Planning. Individual results vary. Clients were not compensated for their testimonials and were not selected based on investment performance. These experiences may not be representative of all clients.
PLANNING PERSPECTIVES
Thinking that earns a place in your inbox.
The Tax-Efficient Investing Playbook
Returns get the headlines. What you keep after taxes is what actually builds wealth. This playbook covers the same strategies I discuss with clients across each stage of building wealth: asset location, tax-loss harvesting, Roth conversion windows, and more.
