Lead generation for financial advisors in Montana.
Montana has 239,351 residents aged 65 and over, 21.1% of the state and the 8th highest share of the 50 states. Its tax overhaul, effective for tax year 2024, changed how retirement income is taxed, so guides written before then describe rules that no longer apply.
Who you are actually talking to in Montana.
Montana now builds its tax on federal taxable income, so federal decisions on Social Security, pensions and IRA withdrawals carry straight through to the state return, offset by an age 65 subtraction indexed for inflation.
Source: U.S. Census Bureau, vintage 2024 population estimates (sc-est2024-agesex-civ), civilian population aged 65 and over.
What Montana pre-retirees are actually asking about
Three Montana rules that decide what a retiree pays the state, verified against the Montana Department of Revenue and the Montana Code Annotated 2025 on 2026-09-24.
Social Security is taxed as far as it is federally taxable
Since tax year 2024, Montana starts from federal taxable income, and taxable Social Security is included to the extent it is in federal taxable income. The former partial pension, annuity and IRA deduction was eliminated, so federal withdrawal planning now carries through to the state return.
An age 65 subtraction, indexed each year
Each taxpayer who has reached 65 can subtract a set amount from federal taxable income, and both spouses can claim it on a joint return. The statute sets it at $5,500, indexed for inflation from tax year 2025, when the Department of Revenue lists it as $5,660 per person.
A refundable property credit from age 62
The Elderly Homeowner/Renter Credit pays up to $1,150 as a refundable credit to Montanans 62 or older with household income under $45,000 who lived in the state at least nine months and rented or owned a home there at least six months. Eligible Montanans can claim it even without an income tax filing requirement.
Montana's top rate on ordinary income is 5.65% for tax year 2026, on Montana taxable income above $47,500 for single filers and $95,000 for joint filers. Under HB 337 of 2025 it falls to 5.4% from January 1, 2027, when brackets also begin indexing for inflation.
The same system, run in Montana.
Intent-driven ads
Hyper-targeted campaigns built to create intent, not just impressions. Pre-retirees in your market meet educational content first, so they arrive already wanting a planning conversation.
Consent and verification
A multi-step survey plus prior express written consent, then phone and email validation. Every contact belongs to one advisor only. Never shared, never resold, never recycled.
Appointment setting
Our team confirms the call, sends your content ahead of it and handles follow up. Or you run the cadence yourself with our system.
Coaching to close
Discovery scripting, objection handling and post-call review, with the full funnel tracked from first contact to signed client.
Where else the program performs.
We run the same system in every state. Every one has its own page.
See everything we do across the United States, or the full map of where we work.
Let's build your pipeline in Montana.
Book a strategy call and we will show you how the program performs in your region.