Bins Financial is a Twin Cities-based financial planning and investment management firm serving clients nationwide. The practice works with high-income professionals, pre-retirees and retirees, business owners, and families navigating major life transitions. Its approach connects investments, taxes, retirement income, and estate planning, helping clients make coordinated decisions rather than managing each part of their finances in isolation.

Services include comprehensive financial planning covering cash flow, savings, debt, insurance, benefits, and long-term goals; tax planning strategies such as Roth conversions, tax-efficient asset location, and coordination with a client’s CPA; and investment management tailored to individual goals, tax circumstances, and time horizons. Bins Financial also offers retirement income planning, including Social Security timing and withdrawal strategies, and works with estate planning attorneys to align beneficiary designations, account ownership, and clients’ wishes. For business owners, planning may address entity selection, deductions, retirement plans, and potential business exits.

The firm describes its process as an initial conversation, a review of the client’s financial picture, a written plan, and an ongoing advisory relationship with regular reviews.