5 Rings Financial - The Big Sky Agency

5 Rings Financial - The Big Sky Agency Preparing for your financial future is crucially important. From tax-advantaged strategies to lifetime income solutions we can create your ideal retirement.

Women outlive men by an average of five years.They are also more likely to take career breaks for caregiving, which mean...
06/23/2026

Women outlive men by an average of five years.

They are also more likely to take career breaks for caregiving, which means lower lifetime earnings and smaller retirement balances.

That combination matters when it comes to retirement income.

A plan built entirely on savings and market growth looks different at 85 than it did at 65.

A plan with a guaranteed income floor, money that shows up regardless of market conditions or how long you live, holds up differently.

06/19/2026

Most people don't realize the insurance they bought only pays out if they die.

That's it. That's the deal. Put money in every month. Hope someone else gets it later.

We think that's kind of ridiculous.

The policies we use come with Living Benefits built in. Which means if something happens to you and you DON'T die, you can still access that money.

Terminal illness. Chronic care. Critical illness or injury like heart attack, stroke, or cancer.

The stuff where you're going to be okay, but you're going to be out of work. Where the bills don't stop just because you're recovering.

That's what Living Benefits cover. The mortgage. The groceries. The medical bills. The stuff that actually keeps your life running while you heal.

No GoFundMe. No panic. Just protection that works while you're still here.

06/13/2026

The difference between preparing and actually being ready? Access.

You can set money aside and hope it grows. Or you can put it somewhere that grows when the market's good, doesn't drop when it's bad, and lets you use it before you're 65.

Indexed Universal Life does all three. A piece covers your insurance. The rest grows. You can tap into it while you're still working if you need to. And when you don't need to, it keeps compounding.

Are you wondering if an annuity actually makes sense for your retirement plan?I've been getting this question a lot late...
06/12/2026

Are you wondering if an annuity actually makes sense for your retirement plan?

I've been getting this question a lot lately. And I get it, annuities sound like something your grandparents had, not something you need in 2026.

But here's what most people don't realize: Annuities are income tools. That's it. They turn a lump sum of money into guaranteed payments you can't outlive.

Which sounds boring until you think about what that actually means.

It means you can stop worrying about running out of money at 87. It means part of your retirement income is locked in, no matter what the market does. It means you get to enjoy your life instead of constantly checking your portfolio balance.

Not every annuity is the same. Some are simple. Some are complicated. Some make sense for your situation, some don't.

Let's have a conversation to see what works for your situation.

Every day, I help people create a strategy designed around their goals, timeline, and future plans.For some, that means ...
06/07/2026

Every day, I help people create a strategy designed around their goals, timeline, and future plans.

For some, that means looking for ways to grow money while reducing exposure to market losses. For others, it's about creating tax advantages and adding protection for their family.

One option that many people are surprised to learn about is an Indexed Universal Life (IUL) policy.

It can offer cash value growth, potential tax advantages, and Living Benefits that may provide support if a qualifying illness occurs.

The first step isn't choosing a product.

It's having a conversation about where you are today and where you'd like to be in the future.

Summer vibes 📖☕️Catch me outside the office with a coffee and a book. Swing by for a book recommendation!
06/06/2026

Summer vibes 📖☕️

Catch me outside the office with a coffee and a book. Swing by for a book recommendation!

It’s honestly crazy how many people go through school without ever learning the basics of money.- How taxes work.- How d...
05/27/2026

It’s honestly crazy how many people go through school without ever learning the basics of money.

- How taxes work.
- How debt affects you.
- How to build wealth.
- How to actually protect your income and future.

And because of that, so many adults end up learning financial lessons the hard way.

That’s exactly why we’re hosting this free Money 101 event.

No pressure.
No confusing finance language.
Real conversations that can genuinely help people make smarter financial decisions.

Because financial education shouldn’t feel intimidating.

Comment “MONEY” if you want the details 👇

Financial literacy is a skill, and most of us learned it the hard way.Trial and error. Mistakes with credit cards. Confu...
05/22/2026

Financial literacy is a skill, and most of us learned it the hard way.

Trial and error. Mistakes with credit cards. Confusion over tax forms. That moment you realize you have no idea what a 401(k) actually does.

Nobody teaches this stuff in school. So we figure it out as we go, which usually means learning from expensive mistakes.

What if you could skip that part?

Money 101 covers the basics they never taught us. How credit works. What taxes actually mean. Why insurance matters. The financial foundation most of us are building while already standing on it.

It's free. It's straightforward. And it's designed for people who wish someone had just explained this years ago.

Because financial literacy isn't something you're born with. It's something you learn. And it's a lot easier when someone actually walks you through it.

Why is Wine, Women & Wealth® free?Because the financial industry has done women dirty for decades. The advice has been c...
05/18/2026

Why is Wine, Women & Wealth® free?

Because the financial industry has done women dirty for decades. The advice has been condescending. The products have been pitched wrong. And the education? Usually nonexistent unless you're ready to buy something.

So we flipped it.

Wine, Women & Wealth® is a gathering where we talk about money the way women actually think about it. Not in spreadsheets and jargon. In real life terms. How do I protect my family? What happens if my spouse dies? How do I make sure I'm not left scrambling?

We're covering what happens when life throws you a curveball while you're still alive. The stuff that can drain your accounts before you ever get to retirement.

This isn't a sales pitch. It's education you were never taught in school. And it's free because everyone deserves to understand how money actually works.

Bring a friend. Bring your wine if you want. Just show up ready to ask questions.

DM me for details or to RSVP. May is filling up fast.

Your child’s education should feel like a gift…not something that causes stress later on.The truth is, the earlier you p...
05/16/2026

Your child’s education should feel like a gift…not something that causes stress later on.

The truth is, the earlier you plan, the easier it becomes.

Even small steps today can help you avoid big pressure in the future.

If you’re not sure where to begin, I’m here to help.

Address

3115 9th Avenue N
Billings, MT
59101

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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