I enjoy the opportunity to educate my clients about their financial picture from an objective perspective and provide an accountability partner to support them in establishing their goals and implementing solutions. I have achieved my CERTIFIED FINANCIAL PLANNER™ designation and have also earned my Accredited Wealth Management Advisor designation from the College for Financial Planning.
As an independent RIA, Calibration Financial is focused on providing families and their businesses with an objective approach to their financial wellness, regardless of asset levels or stage of life. Specializing in financial planning, I believe you need to understand where you've been and where you're at today before you attempt to implement solutions for your personal and financial goals.
Along with providing tools such as your own personalized financial portal and values aligned investment models, my approach is to provide education and resources to support you in achieving your goals.
General Information |
| Firm Start Year: | 2019 | |
| No. of Employees: | 2-4 | |
| Number of Years with Current Firm: | 5 |
| Work with the following types of clients: | Businesses, Individual Investors |
| Advisory Services Provided: | Investment Advice & Management, Estate Planning & Trusts, Financial Planning, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Portfolio Management |
Services |
| Investment Types: | Mutual Funds, Exchange Traded Funds (ETFs), Stocks, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Our Office, Phone, Email, Your Office, Your Home, Video Conference |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $0 |
| Compensation Methods: | Based on Assets, Hourly, Flat Fee |
| Additional Details on Charges: | I offer multiple fee structures, depending on the services you need. Current fee information is available on my website at: https://www.calibrationfinancial.com/services/summary-of-fees/ |
| Minimum Fee Charged for Managed Accounts: | $300 |
| Minimum Fee Charged for Hourly Planning Accounts: | $200/hour |
Board Positions |
| Organization : | Milaca Parks Commission, Milaca, MN |
| Position : | Parks Board |
| Duration : | 05/2019-Present |
| Organization : | Milaca Area Chamber of Commerce, Milaca, MN |
| Position : | Director |
| Duration : | 02/2019-Present |
Education |
| Bachelor of Science - Business | Colorado Christian University
- Lakewood, Colorado 08/2007-05/2010 |
Financial Services |
| Financial Planning for Businesses
Regardless of the stage your business is in, you have a lot to consider when it comes to planning for your company. There is the future operations of the business (business succession planning and business overhead insurance), employee benefits (retirement plans such as SEP's, SIMPLE's, and 401(k)'s and health benefit options like HSA's and QSEHRA's), and of course, equity compensation options (such as stock options). Those are just a few of the ideas that are available when it comes to planning how to successfully grow your business and keep the cash flow moving. |
| Financial Planning for Individuals
Financial plans are for everyone. Regardless of your present phase, organization and accountability provided by a plan will support you working towards your goals. Lifestyle plans provide everything from data on retirement cash flow, disability income needs, college savings, or even building your first budget. |
| Investment Advice & Management
There are numerous investment methodologies implemented today. My job is to help you understand what options fit your needs and implement a portfolio that aligns with your values. |
| Wealth Management
The management of your plan and assets is an ongoing process, regardless of how big your net worth statement is. You might own a business, some rental property, or have an inheritance coming to you in the future, and each of those items adds complexity to your future projections of cash flow. We'll maintain a personal partnership that is inclusive of your entire net worth picture and align each of your assets and revenue streams to your goals. |
FAQs |
What are your qualifications? What is your education background?"You can't really know where you are going until you know where you have been" -Maya Angelou I utilize a modified-cash flow and goals development planning strategy for clients. Each client is taken through a detailed data discovery session as we start to design their financial plan - this entails diving into the past and present details of your finances. Once we have the foundation of data, we will focus on your goals; what you want to achieve in the future and what you want to do along the way should have some structure. Together we'll determine what's working well for you right now and work to implement solutions where change is needed. Your plan is dynamic though, and not meant to be some printed copy that sits on your bookshelf collecting dust. Because we'll likely be interacting around a dozen times each year, we can stay on top of the changes you'll go through in life. |
How are you compensated? How will I pay for your services?Fee transparency is very important to me and I've done everything I can to simplify my structure, while still offering a range of services. My RIA is fee-only, which means I have to earn my fees every quarter. I DO NOT offer commission loaded mutual funds (typically A-, B-, or C-shares). You can see the Compensation and Fees section above, or visit my website, for more details. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something?Yes, aside from partnering with your existing professional relationships, such as your CPA or Attorney. |
How many clients do you currently manage?My RIA is fee-only, which means I have to earn my fees every quarter. As an individual, I am also licensed in a few states for non-variable life/disability/long-term care insurance, but those solutions are only offered upon client request. Those solutions would pay me a commission if initiated. |
Will you be the only person working with me?Yes. I currently operate on a non-discretionary basis, which requires I receive approval from you for things such as portfolio rebalancing or money movement. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. Calibration Financial, LLC (DBA Calibration Financial) is a registered investment advisor (RIA). |
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Additional Detailed Disclosures |
Registered Investment Advisor:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Central Minnesota, North Twin-Cities Metro, Milaca, Ogilvie, Princeton, Foley, Gilman, Mora, Braham, Onamia, Hillman, Cambridge, Zimmerman, Sauk Rapids, Isanti, Big Lake, Isle, Becker, Pierz, Saint Cloud, Clear Lake, Saint Francis, Royalton, Sartell, Elk River, Bethel, Monticello, Pine City, Waite Park, Clearwater, Garrison, Maple Grove |
| Check | Bank Transfer |
| Visa | MasterCard |
| American Express | Discover |
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