Impact Wealth Partners delivers transparent, flat-fee financial planning in Sioux Falls and Phoenix — with a fiduciary commitment to your best interests, always.
Let’s Talk MoreWe sit with you, learn your story, and build every recommendation around your values and goals — not a template or a commission structure.
Every fee is stated upfront. No commissions, no hidden charges, no incentives to steer you toward any product. You always know exactly what you pay.
As a registered fiduciary, Michael J. Peterson is legally bound to act in your best interest at every step — not the firm’s, not a broker’s. Yours.
Our dedicated team prioritizes a relationship-driven approach. We understand that you’ve worked diligently and value not just astute financial advice, but also a genuine connection and exceptional service. By aligning with a flat fee financial planner, we establish a foundation built on trust, with advisors who sit with you, understand your financial story, and accompany you on the path to your goals.
From our initial conversations to planning your retirement, every fee is straightforward and explained in full detail. This transparency extends to our investment planning process — we clearly outline how your assets are being managed, minimizing surprises and fostering a relationship based on clarity and trust.
Fee-only financial advisors at our Sioux Falls or Phoenix office embrace fairness as a guiding principle. We follow a fiduciary standard, meaning we place your interests above ours. With a flat fee model, the potential for conflict of interest is significantly reduced as we don’t earn commissions from selling financial products.
When engaging with us, you’re choosing a team fully invested in aligning your financial resources with your lifetime ambitions — every plan meticulously crafted to support your personal vision.
Personalized portfolio construction using our IMPACT Framework — built around your risk tolerance, timeline, and goals. Never around commissions.
Proactive tax strategy in close collaboration with your CPA — Roth conversions, tax-loss harvesting, and charitable giving that works for you.
Coordinating with your legal advisors to align your financial plan with estate documents, trusts, and legacy goals across generations.
A clear roadmap to retirement: Social Security optimization, income planning, and sustainable withdrawal strategies for every stage of life.
Commission-free insurance analysis to close gaps in life, disability, long-term care, and liability coverage — assessed purely in your interest.
Disciplined, goal-driven strategies to systematically grow and protect your wealth throughout your working years and into the future ahead.
“We believe your financial strategy should be as unique as you are — no cookie-cutter solutions, just a genuine partnership built on understanding.”
Working closely with you, we strive to marry dreams and financial stewardship to carve out the most fulfilling path forward.
Our mission is to provide advice tailored specifically to your life stories and financial journeys, presenting guidance that resonates with your personal values and long-term goals — not a template applied to everyone. Every plan begins with listening, not selling.
TailoredAssessing risks and designing a portfolio that aligns with your risk appetite and long-term financial framework — with full transparency on every decision.
ExpertFrom estate planning to retirement readiness, ensuring you are prepared for the future while securing prosperity for generations to come.
LegacyTrue impact extends beyond assets. We help you integrate your values, community, and charitable goals directly into your financial strategy.
CustomTransparent communication means you never wonder about hidden fees or obscured agendas. Our flat-fee model gives you the confidence to focus on living your best life.
ClaritySchedule a complimentary call with Michael J. Peterson — no obligation, no pressure. Just an honest conversation about your financial future in Sioux Falls or Phoenix.
