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At Demars Financial Group, we believe your retirement plan should be built around your life—not the other way around. Too often, the financial industry focuses on spreadsheets, projections, and products, while overlooking what actually matters: helping you use your wealth meaningfully, while you’re healthy enough to enjoy it.

That’s why we focus on giving you the confidence to retire as early as you’d like, to spend as much as you want, and to fully take advantage of the healthiest years of retirement—not just the longest.

We know retirement planning can feel overwhelming. But while the decisions may be complex, the best plans are simple and easy to understand. Our process is education-based and collaborative, designed not just to build a plan for you—but to build it with you. That means every step is clear, every decision has a purpose, and you never feel like you're just handing over the reins.

Ultimately, our philosophy is simple: help you retire not just with security, but with purpose—so you can live well, give generously, and enjoy peace of mind knowing your plan supports what matters most.

Conventional retirement planning starts with your finances and tries to fit your life around them. We take the opposite approach.

At Demars Financial Group, we begin with what matters most—your values, your concerns, and your vision for retirement—and then design a financial plan to support it. Too often, personal finance puts the emphasis on the “finance” and forgets the “personal.” We believe great advice should do both.

Many of our clients appreciate working with an independent, multi-generational family firm that still delivers the personal touch—without the layers and red tape you often find at large financial institutions. We’re intentional about staying close to the people we serve, not just their portfolios.

Our firm is built on over 50 years of experience, refined across three generations of advisors. This isn’t just a business—it’s a family legacy. We’ve carried the baton from one generation to the next, building deep, lasting relationships so we can serve families with consistency, care, and clarity—not just for today, but for generations to come.

Unlike much of the financial industry—which often expects you to hand over your life savings on day one—we take a more thoughtful, client-first approach.

Every relationship begins with our Retirement Readiness Roadmap—a 4-month, flat-fee financial planning engagement priced between $5,000–$12,000, regardless of your income or wealth level. This gives you the clarity and answers you're looking for, without any obligation to move forward with ongoing services.

If it makes sense to continue, we offer an ongoing advisory relationship that starts at 1% on the first $1 million and decreases as your assets grow. This includes retirement income planning, proactive tax strategies, investment management, estate coordination, and more.

As a fee-based fiduciary, we’re committed to acting in your best interest at every step. And with no long-term contracts, we’re incentivized to earn your business every day—by helping you avoid costly mistakes, reduce taxes, and make confident, informed decisions about your retirement.

In Warren Buffett’s words: “Price is what you pay. Value is what you get.”

At Demars Financial Group, we believe the value of great advice shows up in two ways:

First, the quantifiable benefits—lower lifetime taxes through proactive planning, structured income from your portfolio, optimized Social Security timing, and investment strategies tailored to your lifestyle and time horizon.

Second, and just as important, are the qualitative returns—the clarity of knowing you’re on track, the peace of mind that comes from having a plan you understand, and the confidence of working with someone who’s helped hundreds of families retire well.

Because at the end of the day, a successful retirement isn’t about swinging for home runs. It’s about avoiding strikeouts—the costly mistakes, missed opportunities, and irreversible decisions. That’s where great advice pays for itself.

Because taxes are often a retiree’s single largest expense, we’ve built an entire in-house tax preparation division within Demars Financial Group.

While there’s no obligation to prepare your taxes with us, we lean on our tax team’s expertise to navigate the complexities that tax planning often brings. For clients who prefer a more streamlined experience, our integrated approach allows the left hand to work with the right—bringing tax prep and tax planning together under one roof.

This coordination helps do our best work to design smart strategies like Roth conversions, tax gain/loss harvesting, charitable giving, and income optimization—all tailored to your broader retirement plan.

Yes—we work with clients all across the country, from Alaska to Texas, and California to Florida, with dozens of states in between.

Whether you’re nearby or across the country, our planning process is designed to be just as personal, clear, and effective virtually as it is in person. In fact, many of our local clients choose to meet remotely for the added convenience.

With secure technology, frequent communication, and a process built around your goals, we make it easy to stay connected and keep your financial plan on track—wherever life takes you.

We don’t offer hourly or one-time project work. That’s because we believe meaningful financial guidance requires more than a quick analysis or a one-time meeting.

At Demars Financial Group, we do our best work through structured, in-depth planning relationships—either through our standalone financial planning engagement or our ongoing advisory services. This allows us to fully understand your goals, values, and financial landscape, and to deliver advice that’s not only accurate, but relevant and personal.