MJT & Associates Financial Advisory Group

MJT & Associates Financial Advisory Group MJT & Associates Financial Advisory Group, Inc. Our financial planning process is similar to baking a cake together.

MJT & Associates is a fee-only wealth management firm based in Minnesota, with financial advisor offices serving the Montevideo and Excelsior communities and surrounding areas. is a fee-only, fiduciary wealth management firm that helps navigate clients through unpredictable financial waters. Our firm services and supports clients with various perspectives and values that differ from religious, pol

itical, goal-based, and others. We embrace our client's goals or values and work with them to accomplish their needs based on their terms, not ours. Our financial advisors specialize in helping small business owners, retirees & pre-retirees, families, and those in transition. With expertise in areas of divorce and special needs planning, we are your trusted resource in financial planning, investment management, and retirement planning. Our trusted financial advisors work to establish and review a plan that will help you pursue individualized goals while continuously monitoring and adjusting to life changes. We want to ensure we have all areas covered—from medical needs and concerns to future gifting aspirations—to be sure our comprehensive planning meets your needs now and in the future. As planners, our job is to make the best possible cake, the financial plan, with the best possible ingredients available today in our pantry. Your job, as the client, is to put the frosting and coloring, your values, on the cake. Our financial advisors provide and implement a customized financial strategy tailored to your aspirations. This partnership provides you with comprehensive financial planning services that marries your goals with our expertise, open communication, consistent monitoring, accessibility to products, information, and technology. We strive to enhance and embrace all our client–advisor relationships.

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06/03/2026

Local Business Family Night!

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05/29/2026

Local Business Family Night! JOIN US

🔁 Got your pension set to the “default withholding”?That’s rarely the right amount.Most people are either:➡️ Under-withh...
05/27/2026

🔁 Got your pension set to the “default withholding”?

That’s rarely the right amount.

Most people are either:

➡️ Under-withheld and shocked at tax time
➡️ Over-withheld and giving the IRS an interest-free loan

Do it right: tailor your withholding to your full income picture.

Thinking about downsizing your real estate in retirement?Before you sell that rental property, there's one strategy wort...
05/26/2026

Thinking about downsizing your real estate in retirement?

Before you sell that rental property, there's one strategy worth understanding: the 1031 exchange.

Here's how it works: you sell an investment property and reinvest the proceeds into another like-kind property, deferring capital gains taxes in the process. Instead of writing a big check to the IRS right away, you keep more of your gains invested and working for you.

A few things to know:

1. You have 45 days to identify a replacement property
2. You must close on it within 180 days
3. The strategy works best when coordinated with your broader retirement and tax plan

Done right, a 1031 exchange can help you shift into lower-maintenance properties, generate more passive income, and preserve wealth for your heirs (who may receive a step-up in basis that eliminates the deferred taxes entirely).

It's not a fit for everyone, but for the right situation, it's a powerful tool.

Reach out if you'd like to explore whether this belongs in your retirement plan.

Remember & Honor
05/25/2026

Remember & Honor

Thinking about downsizing your real estate in retirement?Before you sell that rental property, there's one strategy wort...
05/18/2026

Thinking about downsizing your real estate in retirement?

Before you sell that rental property, there's one strategy worth understanding: the 1031 exchange.

Here's how it works: you sell an investment property and reinvest the proceeds into another like-kind property, deferring capital gains taxes in the process.

Instead of writing a big check to the IRS right away, you keep more of your gains invested and working for you.

A few things to know:

- You have 45 days to identify a replacement property
- You must close on it within 180 days

The strategy works best when coordinated with your broader retirement and tax plan

Done right, a 1031 exchange can help you shift into lower-maintenance properties, generate more passive income, and preserve wealth for your heirs (who may receive a step-up in basis that eliminates the deferred taxes entirely).

It's not a fit for everyone, but for the right situation, it's a powerful tool.

05/15/2026

The IRS doesn't have to get a piece of every real estate move you make.

A 1031 exchange lets you swap one investment property for another and defer capital gains taxes.

More of your money stays in the game.

Worth knowing before you sell.

04/27/2026

Selling a rental property in retirement?

A 1031 exchange lets you defer capital gains taxes by reinvesting into another qualifying property.

More wealth stays working for you.

Is it the right move?

04/13/2026

"The secret to getting ahead is getting started." - Mark Twain

04/05/2026

Address

Excelsior, MN/Montevideo
Montevideo, MN

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+13202697889

Website

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