MJT & Associates Financial Advisory Group

MJT & Associates Financial Advisory Group MJT & Associates Financial Advisory Group, Inc. Our financial planning process is similar to baking a cake together.

MJT & Associates is a fee-only wealth management firm based in Minnesota, with financial advisor offices serving the Montevideo and Excelsior communities and surrounding areas. is a fee-only, fiduciary wealth management firm that helps navigate clients through unpredictable financial waters. Our firm services and supports clients with various perspectives and values that differ from religious, political, goal-based, and others. We embrace our client's goals or values and work with them to accomplish their needs based on their terms, not ours. Our financial advisors specialize in helping small business owners, retirees & pre-retirees, families, and those in transition. With expertise in areas of divorce and special needs planning, we are your trusted resource in financial planning, investment management, and retirement planning. Our trusted financial advisors work to establish and review a plan that will help you pursue individualized goals while continuously monitoring and adjusting to life changes. We want to ensure we have all areas covered—from medical needs and concerns to future gifting aspirations—to be sure our comprehensive planning meets your needs now and in the future. As planners, our job is to make the best possible cake, the financial plan, with the best possible ingredients available today in our pantry. Your job, as the client, is to put the frosting and coloring, your values, on the cake. Our financial advisors provide and implement a customized financial strategy tailored to your aspirations. This partnership provides you with comprehensive financial planning services that marries your goals with our expertise, open communication, consistent monitoring, accessibility to products, information, and technology. We strive to enhance and embrace all our client–advisor relationships.

Scammers are getting better at looking official. A pop-up with a phone number, a call from your "bank," a text about a p...
10/06/2026

Scammers are getting better at looking official. A pop-up with a phone number, a call from your "bank," a text about a problem with your account. Each can lead to the same request: install this program or read me this code.

Once someone has remote access to your computer or phone, your email, your bank, and your investment accounts are within reach.

The FBI reported $20.9 billion in internet crime losses in 2025, and tech support fraud alone made up $2.1 billion of it.

A few habits help:

- Be wary of any contact you did not ask for, especially when it feels urgent.
- Do not install software or share a code because someone told you to.
- Hang up, then call the company back using a number you already know is real.

If you think you may have been targeted, act quickly. Our article covers the warning signs and what to do next: link in the comments

09/30/2026

⏳ The best time to plan your business exit is about 3-5 years before you actually want to leave.

Not because the sale takes that long. Because the value-building does.

Clean financials, reduced owner dependency, documented processes, a leadership team that can run without you in the room: none of that happens overnight.

If you're thinking "I'll figure out my exit when I'm ready to go," you may be leaving real money on the table.

🥪 The Sandwich Generation: Supporting Your Kids and Your Parents at the Same TimeIf you're helping pay for your parents'...
09/29/2026

🥪 The Sandwich Generation: Supporting Your Kids and Your Parents at the Same Time

If you're helping pay for your parents' care while still supporting your own kids, you're not alone. And you're carrying a lot.

A few things worth examining now:

🔹 Has your own retirement saving slowed down to cover others' needs?
🔹 Do your parents have a long-term care plan, or are you the plan?
🔹 Have you and your siblings talked about how care costs and responsibilities will be shared?

Supporting family is meaningful.

It shouldn't come at the cost of your own financial security going unexamined.

🎓 Want to leave your kids more than an inheritance? Teach them how to handle one.Money skipped a generation in plenty of...
09/28/2026

🎓 Want to leave your kids more than an inheritance?

Teach them how to handle one.

Money skipped a generation in plenty of families, not because the wealth wasn't there, but because the knowledge wasn't passed down with it.

Talking openly about budgeting, credit, and long-term planning with your adult children isn't oversharing.

It's part of the legacy plan, just as much as the trust documents are.

09/25/2026

📝 A prenup isn't a prediction that your marriage will fail.

It's a plan for what happens if life gets complicated.

Inheritances.
A family business.
Kids from a previous relationship.
Significant debt one of you brings into the marriage.

These are exactly the situations a prenup is built to address clearly, while you're both calm and on good terms, instead of leaving it for a courtroom to sort out later.

09/24/2026

Annuities get a bad reputation. Sometimes deserved, sometimes not.

🔹 They're not inherently good or bad. They're a tool.

✅ Can provide guaranteed income for life
✅ Can reduce sequence-of-returns risk early in retirement
❌ Can come with high fees and limited liquidity
❌ Aren't right for every portfolio or every goal

The real question isn't "are annuities good?"

It's "does this specific one, solve a specific problem for you?"

The Decade Before Retirement: A Financial Checklist Are you dreaming of a worry-free retirement? Achieving financial sec...
09/21/2026

The Decade Before Retirement: A Financial Checklist

Are you dreaming of a worry-free retirement? Achieving financial security in your golden years requires careful planning and smart decision-making.

09/15/2026

📉 Markets are down. Your plan probably isn't broken.

Volatility is the price of admission for long-term growth, not a sign something's wrong.

Before making any moves, ask: has your actual situation changed, or just the headlines?

⏰ Turning 73 this year? The IRS wants its cut.Required Minimum Distributions (RMDs) force you to start withdrawing from ...
09/14/2026

⏰ Turning 73 this year? The IRS wants its cut.

Required Minimum Distributions (RMDs) force you to start withdrawing from tax-deferred accounts, whether you need the money or not.

Miss the deadline and the penalty used to be brutal: 50% of the amount you should've withdrawn. It's now lower, but still painful.

The smart move is planning your RMD strategy years before your first one is due, not the week before it's due.

⏰ Turning 73 this year? The IRS wants its cut.Required Minimum Distributions (RMDs) force you to start withdrawing from ...
09/02/2026

⏰ Turning 73 this year? The IRS wants its cut.

Required Minimum Distributions (RMDs) force you to start withdrawing from your tax-deferred accounts — whether you need the money or not.

Miss the deadline, and the penalty used to be brutal: 50% of the amount you should've withdrawn. It's lower now, but still painful.

The smart move? Plan your RMD strategy years before your first one is due — not the week before.

👉 Not sure when your RMDs kick in or how to plan for them? Let's talk.

Address

Excelsior, MN/Montevideo
Montevideo, MN

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+13202697889

Website

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