Welcome!
Black Hills Financial Planning is an independent consulting practice serving individuals, families, and business owners throughout South Dakota and beyond. Founded in 2020 with a mission to help people build financial security through education, clarity, and honest strategy — not sales pitches, we work closely with every client to bring clarity to complicated decisions.
Our philosophy is simple: real financial progress starts with understanding where you actually stand today — your spending, your debt, your protection gaps — before building toward bigger goals like retirement income or estate planning. From there, everything else falls into place.
Meet Mandy
Mandy Froelich
Licensed Agent
and Founder of
Black Hills Financial Planning
Black Hills Financial Planning is the independent consulting practice of Mandy Froelich, a licensed consultant with a background in business and accounting. When you work with Black Hills Financial Planning, you work directly with Mandy — every time. No hand-offs, no rotating staff, no call center.
Mandy brings both analytical rigor and a genuine commitment to helping people achieve financial confidence, whether that means building a first budget, placing the right insurance policy, or navigating a business decision.
Independent & Multi-Carrier
Because Black Hills Financial Planning operates independently rather than through a single insurance company, Mandy has access to a wide range of carriers and products through affiliations with Foundational Wealth Partners, Ash Brokerage, and Brokers Alliance. That means recommendations are based on what actually fits your situation — not what one company happens to sell.
Extended Network
For estate planning and specialized needs, Black Hills Financial Planning is affiliated with Foundational Wealth Partners, a nationally recognized financial planning organization. This gives clients access to a trusted network of outside specialists — including attorneys, CPAs, and product implementation experts — brought in exactly when your situation calls for it.
How I Operate
I meet clients in private conference spaces throughout the Black Hills region, and virtually for those who prefer it, rather than maintaining a traditional brick-and-mortar office. This isn’t a shortcut — it’s by design. It keeps overhead low and lets me focus resources on you, not rent.
Based in the Black Hills of South Dakota, I serve clients locally and throughout the region.
Ready to Talk?
Whether you’re building your career, running a business, or approaching retirement, I’d love to understand your situation and explore how I can help you reach your goals.