Welcome!

Black Hills Financial Planning is a comprehensive financial planning practice serving individuals, families, and business owners throughout South Dakota and beyond. We were founded in 2020 with a mission to help people build financial security through education, clarity, and a foundational planning approach.

Our philosophy is simple: financial planning should address the building blocks first—managing debt strategically, protecting what you’ve built, planning for guaranteed retirement income, and preparing for long-term care needs. From there, everything else falls into place.

Our Approach

Financial planning starts with education and understanding, not a sales pitch. We offer two ways to work with us: 

  • Project-Based Planning – Need help evaluating a specific financial decision? We provide comprehensive analysis and clear recommendations for a flat fee.
  • Ongoing Comprehensive Planning – Want a financial partner as your life evolves? Quarterly meetings, planning software access, and year-round support.

 

Our Team & Network

Mandy Froelich

Licensed Agent &
Founder of BH Financial Planning

Black Hills Financial Planning is led by founder Mandy Froelich, a licensed agent with a background in Business and Accounting. Mandy works personally with every client, bringing both analytical expertise and a genuine commitment to helping people achieve financial confidence.

We’re proudly affiliated with Foundational Wealth Partners, a nationally recognized financial planning organization. This partnership provides access to a network of specialized professionals—including attorneys, CPAs, and product implementation specialists—ensuring our clients have the right expertise when they need it.

Our Operations

We operate efficiently by meeting clients in private conference spaces rather than maintaining a traditional brick-and-mortar office. This keeps our overhead low and allows us to focus resources on delivering value and personalized service to our clients.

Based in the Black Hills of South Dakota, we serve clients locally and throughout the region.

Ready to Talk?

Whether you’re building your career, running a business, or approaching retirement, we’d love to understand your situation and explore how financial planning can help you reach your goals.