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Do you want to move forward in financial stability, clarity, and peace?

You work hard for your money. Our customized plans serve to guard your financial goals and life savings.
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Meet the family

At Bona Fide Finance, we acknowledge that the future is uncertain, but we commit to preparing each client with sound financial strategies and prudent guidance, ensuring they are well-equipped for whatever lies ahead.

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Ben Martinek

CFP®, EA, CSLP®, RICP® Founder and Advisor

Deb Martinek

Relationships Specialist

Bonnie Martinek

Administrative Assistant
Process

Our Approach

We all have a multitude of commitments and things we want to do, pulling us in every direction and personal finance—though deemed important by all—tends to fall to the bottom of the to-do list. What results is a perforated financial situation, leaving money on the table and goals unmet. By investing your money with a planner, you will reap the rewards of:
Achieving your goals
Money management
Providing peace of mind

Services

Financial Goals & Life Planning

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Retirement Savings Projection

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Tax Planning Strategies

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Student Loan Analysis

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Why Us
Who We Serve

Our services are tailored to individuals seeking financial clarity and security, including:

Young Professionals

Navigating the early stages of wealth accumulation and investment.

Families

Planning for education expenses, home purchases, and other significant life events.

Pre-Retirees and Retirees

Ensuring a comfortable and sustainable retirement plan.

Medical Professionals

Addressing the unique financial challenges faced by doctors and healthcare providers.

Our Fees

Ongoing Comprehensive Planning

The engagement begins with four foundational meetings followed by a rotation of three meetings per year. The ongoing meetings address the most pressing concern and serve to monitor and evaluate goals, investments, insurance policies, and any other planning strategies as changes occur. This ongoing service provides unlimited access to Right Capital.

starting at $350/month*
minimum 12-month commitment

monthly fee is based on 1% of annual household income and 0.5% of net worth

$1000 down

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Comprehensive Review

In this service, we examine your finances in their totality and then send you on your way. The assessment normally takes three months to complete with 3 to 4 meetings in total expected. By the end, you will receive a detailed report of where you stand, a list of steps to take moving forward, and an assessment of how close you are to obtaining your financial goals. If you are someone who values professional advice but prefers to take matters into your own hands, then a Comprehensive Review is perfect for you. 

$5500

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Unsure Which Financial Service is Right for You?

We’re here to help! Schedule a free call, and together we’ll find the best plan to match your needs and goals.
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For Doctors

Tailored Financial Strategies for Medical Professionals

Medical professionals face unique financial challenges—high student loan debt, delayed earnings, and complex tax situations. At Bona Fide Finance, we specialize in helping doctors build and protect their wealth with:

Student Loan Repayment Strategies

Optimizing repayment plans and forgiveness options

Smart Investing

Tailored portfolios to grow wealth while managing risk

Tax-Efficient Planning

Strategies to maximize income and minimize tax burdens

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From our home office in North Dakota, we proudly serve clients across 20 states – virtually, efficiently, and with a personal touch.
© BONA FIDE FINANCE 2025 – All Rights Reserved
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Bonnie Martinek

Administrative Assistant
Bonnie (Ben’s mom!) is a mother of 9 and a grandmother of 17. She has lived in rural Indiana her whole life and has a master’s degree in Special Education. In her own words, she’s done a little bit of everything but is a master of none (teaching, construction, manager of a corn maze, CNA, farm work, cashier, auto bodywork, and the list goes on!). Widowed in 2019, she is reinventing herself through her work in the day-to-day operations of Bona Fide Finance and client relations. Bonnie loves getting to know our clients and is happy to serve them well!
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Deb Martinek

Relationships Specialist

Deb has been with Bona Fide Finance since its inception in 2015 and long before that with her support of Ben studying for the CFP designation and the dream of starting the business of helping individuals and families meet their financial goals.

She fills the Relationships Specialist role – Deb is typically the first encounter our new clients have as she walks them through our service offerings and introduces them to the map of financial literacy.

She has a bachelor’s degree from Ball State University and a master’s degree from the Franciscan University of Steubenville. Deb lives in Bismarck with Ben and their two young daughters, is a card-carrying member of the CDL club (read more about those adventures here) and is happiest reading an epic novel, solving a 1000-piece jigsaw puzzle, or working in her kitchen where she can serve love to the people in her life through quality food (clients enjoy her holiday shipment of homemade goodies each December!).

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Ben Martinek

CFP®, EA, CSLP®, RICP®, Founder and Advisor

Ben Martinek, CFP®, EA, CSLP®, RICP®, is the founder and lead advisor at Bona Fide Finance, an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. With a deep understanding of student loan debt—having tackled his own—Ben specializes in guiding clients through debt repayment strategies, smart investing, and comprehensive financial planning so they can build wealth with confidence. Ben’s passion for financial planning comes from his desire to provide honest, objective advice tailored to each client’s unique situation. He loves seeing the impact of his work, whether it’s helping a family pay off student loans years ahead of schedule, setting up an early retiree for financial freedom, or giving clients the peace that comes from knowing their finances are in order. His clients appreciate his thoughtful, high-touch approach, often saying that working with him has changed their lives.

Before launching Bona Fide Finance in 2015, Ben’s career path was anything but conventional. The fourth of nine children, he grew up in rural Indiana and initially pursued a path in academia, earning a B.A. in philosophy and classical languages, followed by a master’s degree in philosophy. Along the way, he explored careers in construction and truck driving—logging over 600,000 miles across the U.S. with his wife, Deb—before finding his true calling in financial planning.

Now based in Bismarck, North Dakota, Ben and Deb stay busy raising their two daughters, Edith and Virginia. Since their truck-driving days, Ben is happiest on a long road trip—preferably behind the wheel of his TDI Volkswagen Jetta. He enjoys sailing on Lake Sakakawea, camping in their vintage ’90s pop-up camper, and smoking a pipe by the grill. A lover of strategy board games, he favors Clans of Caledonia (mostly because Deb refuses to play Risk with him). When he’s not working with clients, he can be found smoking meat, gardening, hiking, or diving into The Lord of the Rings or Dune. Ben also serves on the school board for his daughters’ Montessori school and is actively involved in pre-marriage ministry in the Bismarck Diocese.

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