Energized Retirement Planners

Energized Retirement Planners is a Financial Planner in Bismarck, ND. The firm specializes in coordinated planning for complex retirement decisions, integrating tax, estate, and investment strategies to address permanent tax consequences. Led by a CFP professional and IRS Enrolled Agent, the team serves clients approaching or in retirement who require alignment of income, taxes, and legacy decisions. The firm operates with a fiduciary standard of care, placing client interests ahead of its own in all advisory relationships. It holds a 5.00 rating based on 6 reviews.

The planning approach focuses on navigating decisions that cannot be undone, such as required minimum distributions and Roth conversions. The firm uses its Enrolled Agent expertise to model distribution scenarios years in advance, aiming to keep Modified Adjusted Gross Income below critical thresholds to avoid Medicare IRMAA surcharges and the Net Investment Income Tax. Services include asset allocation and location, long-term care planning, Medicare and Social Security strategies, retirement income maximization, advanced retirement tax strategies, income tax preparation, and legacy estate planning. The team includes Josh Ross, CFP, EA, MBA, as Founder and Financial Advisor; Danielle Koppinger as Operations Director; Jackson Ross as Paraplanner; Andrew Knutson, CFP, ChFC, RICP, as Director of Financial Planning; and Mia and Brynn as Directors of Field Operations. The firm partners with clients both in-person and virtually across the country.

The office is located at 4007 State St Suite 114, Bismarck, ND. It sits on State Street, about 0.3 miles from 43rd Avenue Northeast and the North Valley neighborhood. Gateway Park is approximately 0.4 miles away, while East 43rd Avenue and the Memorial neighborhood are about 0.6 miles distant.

The firm is known for combining investment management, tax advice, and estate planning under one roof, a distinction supported by its positive customer rating. This integrated approach allows for actionable tax advice rather than general strategies, ensuring that complex financial outcomes are executed correctly.

Energized Retirement Planners provides specialized retirement tax advice in Bismarck, ND, helping clients manage the long-term impacts of their financial decisions.