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Saint Paul Office

3264 Rice Street,

Saint Paul, MN 55126

How We Work

Individuals & Families

Individuals

Managing your finances is an important component to any financial plan. Along with the protection offered through insurance and the goal setting provided by investment choices, money management strategies help you manage your savings on a daily basis.

From succession planning to tax savings, we can help you manage your money as effectively as possible, given your personal situation.

Saving

Depending on your stage of life, chances are you’ll have a distinct approach to saving. New graduates or young couples have different needs than retirees or mid-career families. But no matter your personal situation, we can help you develop financial habits that will lay a strong foundation for your savings.

Tax Planning

No one likes taxes. But through the advice of a professional financial advisor, you can access products and services that help ease the burden.

Succession Planning

Preparing for succession after death is a difficult issue to discuss, but it is also an important part of any comprehensive financial plan. We can help you and your loved ones approach succession planning in a constructive manner that helps ensure they can avoid problems and are well cared for in the event of your death.

Families

Traditional Savings Methods

College savers can opt for the more traditional methods of accumulating college funds such as savings accounts (CDs, money market funds), tax-free municipal bonds, U.S. Treasury securities, or mutual funds.

Tax Advantaged Methods

As an incentive for families to start early with their own college savings plans, the federal tax laws provide for tax advantaged methods to pay for college expenses.

IRC Sec. 529 Qualified Tuition Plans

These plans are designed to help a family cover the cost of college by taking advantage of tax incentives provided through the federal tax code.

Coverdell Education Savings Plan

These plans enable college savers to contribute up to $2000 per year on a tax-deductible basis.

U.S. Savings Bonds

The interest earned from series EE and Series I savings bonds may be excluded from income if it is used to pay for qualified education expenses in the year that the bonds are redeemed

Financial Aid

When saving for college, special consideration should be given to future eligibility for financial aid.

Business Owners

Retirement

For many business owners, their business is their primary retirement asset.

Business Succession

When a business partner dies, the business loses a valuable asset and could suffer in the short term. The long term issue for surviving business owners is whether the business can survive when the partner’s family members show up for their interest in the business.

Key Employee Protection

One of the more devastating events a small business can suffer is the loss of a key employee.

Executive Compensation

In a small business setting, it could take years to find or develop the executive talent needed to build the business to the next level