As of 2026, the average financial planner salary in Billings, MT is around $87,000 per year. This varies based on experience, education, certifications, and whether the position is salary-based or commission-based.
Salary Breakdown by Career Stage:
Entry-Level (0–2 years): $55,000 – $70,000
Mid-Level (3–7 years): $75,000 – $95,000
Senior-Level (8+ years): $100,000 – $130,000
Top Earners/CFPs: $135,000+
Key Factors That Influence Salary
Several elements can impact your take-home pay as a financial planner in Billings:
Certifications: CFP®, ChFC®, and CFA® increase credibility and pay
Education: Advanced degrees boost chances for promotions and higher salaries
Clientele: Working with high-net-worth individuals increases commission potential
Licensing: Series 6, 7, 63, or 65 licenses broaden service scope and income
Specialization: Niche planners (retirement, tax, estate) command higher rates
Salary by Experience Level
| Experience Level | Average Salary (2026) |
|---|---|
| Entry-Level | $60,000 |
| 3–5 Years | $80,000 |
| 6–10 Years | $95,000 |
| 10+ Years (Senior) | $115,000+ |
Senior Lead Navigators or those in supervisory roles can earn $130,000+ with added bonuses or revenue-sharing.
Financial Planning Job Market Trends in Billings (2026)
Billings is Montana’s financial hub and continues to show growth in the advisory sector. Key trends include:
Increased demand for retirement and investment planning
Expansion of small businesses requiring financial advisory services
Growth in fee-based fiduciary advising and independent firms
Remote work and nationwide client base access
These trends are creating new income streams for both independent and firm-based advisors.
Education and Certifications That Impact Earnings
Educational Requirements:
Bachelor’s Degree (Finance, Economics, Accounting) – Essential
Master’s Degree (MBA or MS in Finance) – Boosts senior-level potential
In-Demand Certifications:
CFP® (Certified Financial Planner) – Increases trust and salary by up to 20%
ChFC® (Chartered Financial Consultant) – Good for insurance and estate planning
CPA or CFA® – Valuable for tax or investment-focused planners
Continued Learning:
Workshops, CE credits, and advanced training are often linked to career advancement and higher pay.
Additional Benefits and Perks
Besides base salary, many financial planners in Billings receive:
Performance Bonuses and Incentives
Health and Dental Insurance
401(k) Match or Profit Sharing
Paid Certifications or Tuition Reimbursement
Remote and Flexible Work Opportunities
Job Outlook for Financial Planners in Billings, MT
The U.S. Bureau of Labor Statistics projects strong growth in the financial planning field. In Billings:
Expected job growth: 7–10% through 2030
Aging population fuels demand for retirement and estate planning
New financial tech and AI tools increase advisory efficiency and reach
Conclusion: Is Financial Planning a Good Career in Billings, MT?
Absolutely. In 2026, financial planners in Billings enjoy competitive salaries, strong growth prospects, and the opportunity to help individuals and businesses navigate their financial futures. By pursuing key certifications and gaining experience, you can build a successful and rewarding career in this dynamic field.
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