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About Back40 Financial
The Back Forty Is Untouched Land.
It's Pure Potential.
It's the acreage behind the homestead that hasn't been plowed yet — waiting for someone with a plan. That's what retirement should be. Not an ending. The most fertile season of your life.
Where It Started
A Family Without a Plan
When my grandfather passed, there was no roadmap. No plan for what came next. Just a family standing in the gap between a life well-lived and a legacy that almost didn't survive the transition.
The money was there. The intentions were there. But nobody had ever sat down and asked the hard questions — what does each dollar need to do? Who does it protect? What happens when the person who held it all together is gone?
It was messy. It was painful. And it was completely avoidable. I watched my family navigate grief and finances at the same time, making decisions under pressure that should have been made years earlier, in a quiet room, with clear heads and a good plan.
The Christensen Family
The reason Back40 exists
Credentials: Advisory services offered through API Financial Advisors, LLC, an SEC Registered Investment Advisor.
What Farming Taught Me
The Seasons Don't Wait for You to Be Ready
I grew up on a farm. And if farming teaches you one thing, it's this: you can't harvest what you didn't plant. You can't plant what you didn't prepare for. And the seasons don't care whether you're ready.
A farmer doesn't wake up in October and decide to start planting. The work happens months — sometimes years — before the harvest. You test the soil. You choose the right seed for the right conditions. You protect the crop from things you can't control, and you position yourself to reap from the things you can.
Retirement is the same way. The families who thrive aren't the ones who got lucky in the market. They're the ones who prepared the soil — who built a plan that accounts for the storms, the droughts, and the seasons they can't predict. That's the philosophy behind everything we do at Back40.
"Nobody wakes up wanting their wealth managed. They want to know: will my money last, and will my values be honored?"
DUSTAN CHRISTENSEN — FOUNDER & PRINCIPAL ADVISOR
Meet Your Advisor
Dustan Robert Christensen
Founder & Principal Advisor, Back40 Financial
I grew up in farming country, where you learned early that what you put into the ground determines what you get out of it. That lesson followed me from the field to finance, and it's the foundation of everything we build at Back40.
After watching my own family navigate the financial fallout of losing my grandfather without a plan, I made a decision: I'd spend my career making sure other families never had to face that. Not the grief, but the chaos, the confusion, and the decisions made under pressure that should have been made in peace.
I founded Back40 Financial to serve families like the one I grew up in — people who worked hard, built something meaningful, and deserve a plan that honors the life they lived and the legacy they want to leave.
SEC Registered Investment Advisor
Fiduciary — Your Interest First
Our Convictions
The Principles Behind Every Decision
These aren't marketing statements. They're the principles that guide every recommendation and every conversation we have.
Income Before Investments
Your retirement plan starts with one question: are your essentials covered? We build the income foundation first because peace of mind isn't a luxury — it's the starting point.
Values Before Returns
We don't start with what the market is doing. We start with what matters to you. The numbers serve the life, not the other way around.
Plans That Survive Bad Years
Any plan looks good in a strong market. We build for the years when it doesn't go your way — because that's when a plan actually matters.
Every Dollar Has a Job
We don't ask how much you need. We ask what each dollar does. Every resource should have a clear role in your plan.
Behavior Drives Outcomes
The biggest threat to your retirement isn't the market — it's a bad decision made in a bad moment. A strong plan accounts for how you actually behave.
Legacy Is the Point
Money is a tool. Legacy is the purpose. The most important financial conversation isn't about returns — it's about what your wealth will mean when you're gone.
Let's Get Started
Your Back Forty Is Waiting
30 minutes. No cost. No pitch. Just a conversation about what you've built, what you're protecting, and how we can help you plan the most important season of your life.