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We Deliver Advanced Planning Strategies

Financial Organization

This encompasses wealth building, cash flow management, and protecting the assets you’ve built. Your income and balance sheet should be working together towards a common goal.

Retirement Income

Transitioning from the accumulation phase to relying on your assets to provide income is a big step. There are many factors working against your probability of success.

Business Growth and Exit

Growth of a business depends on the people. We help create programs to motivate and retain them. We also help owners understand and prepare for their ultimate exit from the business.

Wealth Transfer

We help families create a plan to transfer wealth from one generation to the next in a tax efficient manner. But the other half of the equation is to help the next generation take good care of that wealth.

Our Philosophy

Our Philosophy

Core to our philosophy is helping our clients protect from financial failure. We help organize all financial data and manage cash flow effectively using a financial dashboard. We coordinate your team of financial professionals, all while keeping a close eye on tax efficiency.

Virtual Family Office

Virtual Family Office

Our clients tell us our work feels like a virtual family office, a firm that can coordinate all your financial information to make sure there is a personalized philosophy and logic behind the financial decisions being made.

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The Team Approach

The Team Approach

What we find typical of the industry is a narrow focus, product orientation, lack of coordination, and a failure to address key issues of business exit, retirement income, and estate tax planning.

Bring a holistic, board-of-directors-type approach to grow your financial legacy.

What Others Are Saying...

“The Team Approach has enhanced the trajectory of my business.  When you have a team of financial professionals by your side, they empower you with their ideas, insight and experience.  Use this book to raise the bar with the professionals you work with.”
   -Tom Swenson, President, Bank of Montana

Personal views of this client and their experience do not suggest future results. No compensation was provided. 2024-169112 Exp. 2/25

How We Got Here

When Darby was young, he watched is grandparents farm fall apart due to an error in estate planning.  They called his uncle a crook and threw him off the farm. It all went down one day after grandma passed… the whole family was in an uproar.  Darby even fought his cousins for this bronze horse!

In the late 1970s Darby worked in the family’s Chrysler dealership; then interest rates spiked, and Chrysler nearly went bankrupt.  Darby transitioned to life insurance with a major carrier and drew from his family’s experience to become the advanced planning specialist for the region.  Mike joined the family business in 2006 and they created their own succession plan.  They were power users of The Living Balance Sheet from the beginning; an advanced financial organization tool.

What it all boils down to for us…  we want to help prevent “The Conflict.”  The conflict in families and the conflict in businesses that tear them apart.  In the end, it is not about dollars and digits on a financial statement.

Our team has over 60 years combined experience working with closely held family businesses; car dealers, developers, contractors, and serial entrepreneurs.  What gets us excited is the knowledge that our work is worth millions (sometimes tens-of-millions) of dollars to a client and their family over their lifetime.

Our Team

Darby J. Minnick CLU®, ChFC®

During the financial crisis of the late 1970s, Darby launched his career in the life insurance business. Through pure grit and determination, he became the Montana regional advanced planning director for a major life insurance company. In 2019, he wrote the book, The Team Approach, chronicling his 40 years of helping his clients with financial, estate and business planning. He strives to make a positive difference in the lives of everyone he meets.  Darby is grateful for the indomitable support of his wife Cheryl, and they live in Bozeman, Montana.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. CA Insurance License Number - 0790032.

Michael Hixson

Michael now leads Bridge To Wealth Team, but started out in 2006 as Darby’s apprentice. Michael was able to learn many aspects of advanced strategies from the ground up. He has a passion for breaking down complex financial concepts into easy-to-understand building blocks. Michael has lived in Montana since childhood but studied engineering at Walla Walla University. Together with his wife and three children, Michael is rooted in Bozeman, Montana, and enjoys adventuring in the great outdoors.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. CA Insurance License Number 0F55878.

Jake Larkey MBA

Originally from Kansas City, Missouri, Jake joined the firm in 2017. With a background in managing organizational growth, it was Jake’s desire to help businesses grow that brought him to the firm. Jake studied economics and political science while on a football scholarship and Benedictine College in Atchison, Kansas. He earned a Masters of Business Administration from Rockhurst University in Kansas City, Missouri. After getting married, Jake relocated to Bozeman to join his wife, a PhD graduate at Montana State University.

Financial Representative, The Guardian Life Insurance Company of America, New York, NY. Larkey CA Insurance License #4280619

Hannah Chawngte

Hannah completed her masters in Family Financial Planning at Montana State University, Bozeman in 2022. Currently, she is a partner and Financial Representative with Bridge to Wealth Team. She collaborates closely with her team of financial professionals to apply advanced financial strategies, helping clients achieve their financial goals. Her journey in the financial sector began with hands on experience as an apprentice to a highly respected portfolio manager. She lives in Bozeman with her husband and two daughters. Outside of work, she enjoys playing badminton and hiking.

Financial Representative, The Guardian Life Insurance Company of America, New York, NY.

You will hire us for one reason, and one reason only:  
we CREATE value for you and your family.

How To Work With Us

Option 1

LBS Financial Check-up – No Fee 

The Living Balance Sheet personal financial organization tool.  Three personalized meetings with recommendations:


  1. Income and Asset Protection

  2. Wealth Management

  3. Cash Flow Strategies


Implement two or more product lines and become a lifetime client with one check-in meeting per year.


Click Here To Start

Option 2

Comprehensive Fee Based Financial Plan 

Get our bespoke planning process and plan delivery within six months.  We will help you build out your personal financial dashboard. 


You can take our recommendations with no further obligations.  Or implement two or more product lines and become lifetime client with two check-in meetings per year.


Optional Add On: Wealth Transfer & Estate Planning

Optional Add On: Business Growth & Exit Planning

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What can we help you build a bridge to?


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