Our Goal is to build strong, lasting relationships with you, helping guide you through your financial life; the good times and the bad. We provide knowledge, products, and services that shape your goals for the future. We simplify your finances by creating comprehensive and personalized financial planning, focusing on value and growth where we can empower you to reach your goals.
Stop In, Sit Down and Say Hi! No Cost, No Obligation.
There is no better time than now to plan for your future.
Use this easy checklist to prepare for your first visit!
Services
- Investment and Money Management
- Personal Retirement Planning
- Understanding your Finances
- Insurance Services
- Education Planning
- Estate Planning and Coordination
- Business Planning and Coordination
- Tax Efficiency Planning*
- Online Access & Management Tools
*For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investments Services LLC nor any of its representative may give legal or tax advice.
What's Important
Strong Relationships:
Understanding who you are on a personal level and helping you realize your dreams is what we view as a successful relationship.
Custom Strategies:
We understand that everyone has a unique financial picture and different goals. That’s why our team can identify a strategy customized specifically to you.
Planning Software:
With best in class financial planning software, we can make detailed plans that allow you to track your progress and help guide you to financial success. Plus, our online Adviceworks program gives you a real-time view of your full financial picture and any documents you need - anytime, anywhere.
Your Process
Financial Planning is Life Changing
RETIREMENT PLANNING:- Income Driven Retirement
- Goal Oriented
COMPREHENSIVE FINANCIAL PLAN:
- Detailed Financial Plan
- Goal or Retirement Specifics
UNDERSTANDING YOUR FINANCES:
- Net Worth Statement
- Cash Flow Statement
- Budget Management
Taking Care of Yourself and Others
INSURANCE:
- Annuities
- Life
- Health & Disability
- Long- Term Care
EDUCATION PLANNING:
- College Savings & 529 Plans
ESTATE PLANNING:
- Wealth Transfer
- Tax Planning*
Building Confidence Through Planning
PORTFOLIO MANAGEMENT:- Portfolio Building
- Portfolio Review
- Monitor & Rebalancing
- Cost Management
ACCOUNT SERVICING:
- Client Review
- Investor Coaching
- Behavioral Finance
- Daily Monitoring
- Unlimited Access to our Team
RISK MANAGEMENT:
- Risk Management Analysis
- Investment Suitability and Monitoring
ADVICEWORKS ACCESS:
- Seamless multi-account integration
- Complete financial picture in one stop
- Easy communication between client and advisor through file upload, sharing and messaging
checklist
Use this checklist to ensure you have all the documentation you might need for our first financial planning meeting. For each relevant category, you should bring your most recent statement(s), if a statement is not available please have knowledge of each category.
- Paycheck stub(s) or (Gross Annual Income)
- Recent Federal, state, and local income tax returns
- Bank, Brokerage, and Mutual Fund statements
- Retirement plan statements (IRA, 401(k), 403(b)/TSA, etc.)
- Retirement benefits summary (retirement plans, savings plans, pension calculations)
- Deferred compensation statements (if applicable)
- Social Security benefit statements (if available)
- Estimate of household expenses
- Budget (if you have one)
- Insurance policies (disability, life, and long-term care—including statements and/or policies)
- Mortgage and/or loan statements
- Company benefit information (for you and your spouse or partner)
- Deferred compensation agreement documents
- Business valuation and/or personal property appraisal reports (if relevant)
- Group life and disability summary
- Education funding statements (529 plans, UGMAs, Coverdell Education Savings Accounts, trusts, etc.)
- Will and trust documents
- Stock option statements & documents
 1180 West 4th Street
Rush City, MN 55069
 Check the background of this investment professional on FINRA's BrokerCheck
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This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com
Securities and insurance products are offered through Cetera Investment Services LLC, member www.finra.org / www.sipc.org . Advisory services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services, nor Cetera Investment Advisers are affiliated with the financial institution where investment services are offered.
Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is under separate ownership from any other named entity. Cetera's Privacy Promise www.ceterafinancialinstitutions.com/privacypromise. For more important disclosures visit www.ceterafinancialinstitutions.com/importantdisclosures. Business Continuity Plan go to www.ceterafinancialinstitutions.com/businesscontinuity
Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is under separate ownership from any other named entity. Cetera's Privacy Promise www.ceterafinancialinstitutions.com/privacypromise. For more important disclosures visit www.ceterafinancialinstitutions.com/importantdisclosures. Business Continuity Plan go to www.ceterafinancialinstitutions.com/businesscontinuity
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