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Navigate Retirement with Confidence (and less taxes)

Are you 55+ and desire a retirement that involves spending more on your bucket list and less on the IRS?  Our team is here to guide you through the process.

Start Your Retirement Journey

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Your retirement planning specialists

Your retirement planning specialists

Our firm is based in Bismarck, ND and we work with clients both in-person and virtually across the country. 


Most of our clients have had a decades long career and saved diligently, with the hope they could eventually create their own schedule, pursue hobbies and enjoy the grandkids. 


Our clients want to ensure their pot of dollars provides an ongoing level of retirement income for as long as they live.  However, they also want to front-load retirement spending to check off some of those bucket list items. (We agree!)


If a sizable amount of your retirement funds will come from a 401k or IRA, the IRS plans to take a large cut. We specialize in strategies to keep more of YOUR money in YOUR pocket.

Providing retirement education

Our firm helps clients reach their goals by creating customized retirement income, tax and estate strategies. We use this experience to help educate the public. In fact, maybe you are among of the hundreds who have attended our free workshops in person or online.  

In addition to retirement planning, our background includes extensive tax experience along with training energy industry employees.  So it is no surprise that our workshops include:

Taxes in Retirement - for those in, or approaching, retirement

Maximizing Your Company Retirement Benefits - for energy industry employees

Register below to be notified about our upcoming webinars.

Webinar Updates

Meet Our Team

Josh Ross, MBA, EA

Financial Advisor

701-202-5328

jross@vanclemens.com

Welcome! I grew up on a farm near Beach, North Dakota as part of a family of seven. I've been a resident of Bismarck since graduating from the University of Mary with a finance degree. My early career included many years training...
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Andrew Knutson CFP®, ChFC®, RICP®

Director of Planning

Andrew specializes in retirement income planning and works diligently to find the best strategy for each client. Andrew is committed to serving clients with innovation, integrity, and attention to detail.

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Allison Cline CFP®, ChFC®

Director of Relationship Management

Allison has a passion for communicating difficult concepts in a simple way. She works with complex problems and relays them in a way clients can understand. She values integrity, humility, and diligence.

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What is Your Risk Number?

What is Your Risk Number?

Everyone has a Risk Number whether they know it or not. Your tolerance for market volatility is unique. We use a risk assessment built upon a Nobel Prize-winning framework, and learning your risk number only takes a couple of minutes.  Your risk tolerance is too important to reduce it to a term as broad as "moderate" or "conservative."  Take it for a test drive!

Take the Free RISA Survey!

Take the Free RISA Survey!

Unsure what retirement income strategy would provide you the greatest peace of mind?  Maybe you've talked to friends or an advisor and each has a different opinion?  Each retiree is different.  Whether dividend stocks, laddered bonds, CDs, annuities or a combination, your strategy should be tailored for you, not your advisor.

Where to start?  Take the newly released Retirement Income Style Awareness survey and use the results as a baseline for your conversation with an advisor or to narrow down your do-it-yourself options.

Are We a Mutual Fit?

Schedule a virtual intro/strategy meeting.

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