A values-based approach to financial planning
We provide comprehensive financial strategies for the agricultural community, specializing in farm and ranch succession planning, working toward a prosperous and sustainable future for both our clients and the industry at large.
Our History
Years of experience have prepared us to guide you through your life transitions.
Where Your Financial Future Is Family Business
With a down-home approach, we strive to uncover distinctive strategies for ranchers and farmers, guiding them in seeking to make their business affordable for the next generation while ensuring the current generation's financial independence.
Financial Planning for the Agricultural Community
We provide tailored financial strategies for farming and ranching operations and the businesses that serve agriculture. With deep roots in ranching and extensive experience serving agricultural families, we speak your language and understand your unique financial challenges, from seasonal cash flow to multi-generational legacy planning.
Whether you're managing a multi-generational farm or ranch, building your career in agriculture, or planning for your family's future, we create strategies that are tailored to your unique needs and goals.
Running a small business is about more than profit and loss. It's about contributing to the health of the community and being a good neighbor.
Financial Planning for Farm & Ranch Owners
Providing comprehensive financial strategies that incorporate seasonal cash flow, agricultural risks, and the unique challenges of making your living from the land.
Estate & Legacy Planning
We specialize in multi-generational farm transfers. Protect what you've built and plan for a transfer according to your wishes, whether that includes land, business assets, or family traditions.
Long-Term Care Planning
Protect your farming or ranching operation from the high costs of long-term care while planning for quality care when it's needed most.
Why Agricultural Families Choose Down Home Financial Services
We know you by name and treat you like family. Your advisor, Ty, understands your industry, your challenges, and your goals. No matter where our company goes, our word and a handshake are all you need.






Meet Your Advisor, Ty McDonald
Ty's connection to agriculture begins with his grandparents on his mother's side, they were wheat farmers who understood something that many farming families struggle with today: the importance of planning for the next generation. While many farm families of their era put everything back into the operation, Ty's grandparents took a different approach.
This early exposure to successful farm transition planning shaped Ty's understanding of what's possible when families plan ahead. He 's seen how proper planning can honor both families who want to continue farming, and those who choose different paths, without forcing anyone to sacrifice their financial security.
Initial consultations are always complimentary. We'll take the time to understand your situation and discuss how our services can benefit your family.
I'm not a farmer or rancher. Can you still help me?
Absolutely. While 70% of our clients are in farming and ranching, we also work with agriculture professionals and families who simply appreciate our down-home approach. Good financial planning principles apply across different situations, and we focus on providing personal attention to each of our clients.
Do you only do farm succession planning?
Not at all. While farm and ranch succession planning is one of our specialties, we provide comprehensive financial planning services including: retirement planning, investment management, tax planning, insurance planning, Medicare planning, Social Security planning, and education funding. We look at your complete financial picture to make sure everything works together.
Do you understand the tax situations that farmers face?
Yes, we work closely with agricultural tax professionals and understand the unique opportunities and challenges that come with farm and ranch taxation. From Section 199A deductions to depreciation strategies, we help coordinate your overall financial plan with your tax planning. We don't prepare taxes ourselves, but we work with your tax advisor so that your tax plan aligns with your overall financial plan.
Call Us
(406) 625-3368
Address
9475 MT HWY 551
Geyser, MT 59447