Ty McDonald - Financial Advisor - Down Home Financial

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Bozeman, MT
Ty McDonald - Financial Advisor - Down Home Financial

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).

www.finra.org, www.sipc.org. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed as to accuracy and completeness. The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

08/31/2026

Fall calf sales are the time to make a decision: set aside cash for winter/spring calving costs or repeat the scramble next March.

Which will it be? https://www.downhomefs.com/blog/winter-spring-cash-flow-managing-money-when-income-stops-but-expenses-spik

08/27/2026

Montana changed how homeowners receive property tax relief. If you received the 2025 rebate, you're automatically enrolled for 2026-2027.

If you're a new homeowner or didn't get the rebate, you need to apply before March 1, 2027 to receive the reduced homestead tax rate.

Check your enrollment status now at homestead.mt.gov.

Learn more in our blog: https://www.downhomefs.com/blog/montana-homestead-tax-exemption

08/26/2026

Even Spiderman should look into a Roth IRA...

Back-to-school means ranch and farm work might shift. If your teenager worked summer and is heading back to school, make sure they're using that W-2 income strategically for retirement.

A Roth at 16 compounds differently than a Roth opened at 18; find out how: https://www.downhomefs.com/blog/should-i-put-my-children-on-the-farm-or-ranch-payroll

08/20/2026

Running a small business means income gets unpredictable. Q4 can often surprise you. If you're on marketplace insurance, that surprise could cost you $2,800+ a month come January.

Map it out: https://www.downhomefs.com/blog/marketplace-healthcare-insurance-subsidies-2026-changes

08/18/2026

This is the legacy you're really leaving. It's not just how to work hard or succeed or plan ahead, it's about how to treat people.

08/13/2026

Is hay selling better than expected this year? Cattle prices stronger? Good years are built into your Obamacare subsidy calculation. If your income jumps mid-year, your health insurance costs change fast.

Learn how your eligibility may be affected: https://www.downhomefs.com/blog/marketplace-healthcare-insurance-subsidies-2026-changes

08/10/2026

Homestead exemption enrollment is open through March 1, 2027, for the 2027 tax year. Don't miss this deadline!

Learn more here: https://www.downhomefs.com/blog/montana-homestead-tax-exemption

07/30/2026

It's unlikely that home health agencies serve rural areas. If you needed care and wanted to stay home, it'd be family stepping in. Make sure you plan for that reality, not the urban version: https://www.downhomefs.com/blog/long-term-care-planning-for-families

07/28/2026

Ever thought about donating a calf to a charity instead of selling it? Or hay instead of cash? Most in the ag community haven't considered it, but the tax side works differently than you'd expect. Find out: https://www.downhomefs.com/blog/charitable-giving-strategies-the-method-matters-more-than-the-amount

07/23/2026

There are a lot of things that make Montana special, but nothing beats this community.

Address

315 Edelweiss Drive, Unit 8
Bozeman, MT
59718

Telephone

+14066246094

Website

https://www.downhomefs.com/

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