Your goals. Our comprehensive plan.

Team Boys Sitting

By understanding what’s most important to you, we can organize your financial life to help make sure your short-term needs don't cloud your long-term goals. We provide a structure so you clearly understand where your money is, and why. The plan we create together can help you stay focused at each stage of life, today, tomorrow and for future generations.

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Pursuing your goals together

Our mission is to provide quality strategies customized to your needs. Our goal is to be your primary source of financial advice. To this end, we concentrate our efforts on developing long-term relationships through a commitment to quality client service.

  • Michael-Karl

    Michael Karl, CFP, CIMA, CEPA

    Managing Director–Wealth Management

    Financial Advisor

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    • AL
    • AZ
    • CA
    • CO
    • DE
    • FL
    • GA
    • IA
    • ID
    • MA
    • MI
    • MN
    • MS
    • MT
    • NC
    • ND
    • NM
    • NY
    • OR
    • SC
    • SD
    • TN
    • TX
    • WA
    • WI

    Mike Karl is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Investment Management Analyst (CIMA®) with over 42 years of experience in the financial services industry, including more than 40 years with UBS Financial Services and Piper Jaffray. As a Senior Retirement Plan Consultant (SRPC), Mike has received extensive training in retirement plan solutions, design, and implementation, helping clients develop individualized retirement plans such as 401(k), profit-sharing, and defined-benefit plans.

    Mike's business focuses on a select, multi-generational clientele of physicians, business owners, and retired executives. His vast experience and training equip him to manage the complex needs of a diverse clientele.

    In addition to his role as a Financial Advisor, Mike is a Certified Exit Planning Advisor (CEPA®). This certification allows him to offer business owners exit-planning strategies and guide clients in seamlessly transitioning out of their businesses on their own terms.

    Recognized for his hard work, professionalism, and commitment to service, Mike is known for his honest and client-centric approach. Throughout his career, he has been passionate about helping clients define and achieve their goals by following a long-term and value-oriented investment philosophy.

    Mike has served on the CentraCare Health Executive Committee and the CentraCare Health Investment Committee and is involved with the Central Minnesota Community Foundation as a Professional Advisor. He is passionate about music and singing, actively participating in the First Presbyterian Church of St Cloud's Crusade Choir, and writes and plays his own music with his band. An avid outdoorsman and private pilot, Mike lives in St Cloud with his wife, Joni.

    Mike holds a BA in Commercial Economics from South Dakota State University.

    • Forbes Best-in-State Wealth Advisors, 2018, 2019, 2020, 2021, 2022, 2023The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.
    • Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
    • PLANADVISER Top Retirement Plan Advisers, 2022The PLANADVISOR rating is awarded in Q1 based on information from Q1 of the award year.

      • CERTIFIED FINANCIAL PLANNER®
      • Senior Portfolio Manager
      • Senior Retirement Plan Consultant
      • Certified Investment Management Analyst®
      • Certified Exit Planning Advisor
      Legacy planning
      Exit planning
      Business succession
      401(k) plan services
      Estate planning strategies
      Philanthropy
      4150 S Second Street
      Suite 500
      St Cloud, MN 56301
      michael.k.karl@ubs.com
      Michael Karl, CFP, CIMA, CEPA
      4150 S Second Street,St Cloud,MN,56301
    • Matthew- Nikodym

      Matthew Nikodym, AAMS, CRPS

      Managing Director–Wealth Management

      Financial Advisor

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      • AL
      • AZ
      • CA
      • CO
      • DE
      • FL
      • GA
      • IA
      • ID
      • IL
      • MA
      • MI
      • MN
      • MS
      • MT
      • NC
      • ND
      • NE
      • NM
      • NV
      • NY
      • OR
      • SC
      • SD
      • TN
      • TX
      • WA
      • WI

      Matt Nikodym has 17 years of experience in the financial services industry.  He joined UBS in 2003.  During his tenure with UBS, Matt has developed long-lasting relationships during difficult markets.  Matt has earned the designation of Senior Retirement Plan Consultant for his experience in consulting with companies on their 401k and retirement plans.  Matt works primarily with individuals and small business owners, providing financial planning, retirement planning, wealth management and Insurance strategies.  Matt is a Credited Asset Management Specialist (AAMS®), as well as a Chartered Retirement Plan Specialist (CRPS®).  

      Matt's is an avid cyclist, and also enjoys golf, tennis and skiing. He resides in St. Cloud with his wife Jessica and his three sons.

      • Barron's Top 1,200 Financial Advisors, 2025
        The Barron's rating is awarded annually in March and is based on information from the prior year Q3. 
      • Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.
      • Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
      • UBS Wealth Management Chairman’s Council, 2024UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

        • Senior Retirement Plan Consultant
        • Accredited Asset Management Specialist
        • Chartered Retirement Planning Counselor
        • Senior Portfolio Manager
        Financial planning
        Retirement planning
        Retirement Plan consulting
        Business owners
        Estate planning strategies
        Multi-generational families
        4150 S Second Street
        Suite 500
        St Cloud, MN 56301
        matthew.r.nikodym@ubs.com
        Matthew Nikodym, AAMS, CRPS
        4150 S Second Street,St Cloud,MN,56301
      • Jeffrey Botz

        Jeffrey "Jeff" Botz, CFP

        Account Vice President

        Senior Wealth Strategy Associate

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        • AZ
        • CA
        • CO
        • DE
        • FL
        • IA
        • ID
        • MA
        • MI
        • MN
        • MS
        • MT
        • NC
        • ND
        • NM
        • NV
        • NY
        • OR
        • SC
        • SD
        • TN
        • TX
        • WA
        • WI
        • Forbes Best-in-State Wealth Management Teams, 2024The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

          • Chartered Retirement Planning Counselor
          Financial planning
          Education planning
          Retirement planning
          Investing
          4150 S Second Street
          Suite 500
          St Cloud, MN 56301
          jeffrey.botz@ubs.com
          Jeffrey "Jeff" Botz, CFP
          4150 S Second Street,St Cloud,MN,56301
        • Veronica Villeneuve

          Veronica Villeneuve, CFP®

          Senior Wealth Strategy Associate

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          • AZ
          • CA
          • CO
          • FL
          • ID
          • MI
          • MN
          • MS
          • MT
          • NC
          • ND
          • NM
          • NY
          • SD
          • TX
          • WA
          • WI

           

          Veronica Villeneuve is a Senior Wealth Strategy Associate who takes pride in developing valuable wealth strategies for clients navigating financial decisions. She earned the advanced designation of CERTIFIED FINANCIAL PLANNER®™ by meeting rigorous experience and ethical requirements and passing the CFP® certification exam. Veronica holds a B.S. degree from St. Cloud State University and has over 10 years of sales and marketing experience. She is licensed with Series 7, 63, and 65 securities licenses, as well as an insurance license. Outside of work, Veronica enjoys traveling, visiting national parks, hiking, fishing, and outdoor activities .

           

           

           

                Retirement planning
                401(k) plan services
                4150 S Second Street
                Suite 500
                St Cloud, MN 56301
                veronica.villeneuve@ubs.com
                Veronica Villeneuve, CFP®
                4150 S Second Street,St Cloud,MN,56301
              • Kalee Olson

                Kalee Olson

                Senior Registered Client Associate

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                • MN

                Kalee Olson is a Senior Registered Client Service Associate. She has 24 years of experience in the financial services industry. She has been with UBS for 15 years. Kalee holds Series 7, 63 and 65 securities licenses and she has a B.A. degree from St. Cloud State University. Kalee resides in Alexandria with her husband and two children.

                      4150 S Second Street
                      Suite 500
                      St Cloud, MN 56301
                      kalee.olson@ubs.com
                      Kalee Olson
                      4150 S Second Street,St Cloud,MN,56301
                    • Tracy-Meyer

                      Tracy Meyer

                      Senior Registered Client Associate

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                      • MN

                      Tracy Meyer is a Senior Registered Client Service Associate. She has 24 years of experience in the financial industry. She has been with UBS (formerly Piper Jaffray) for over 19 years.  Tracy holds Series 7 and 66 securities licenses and has an A.A.S. degree from Alexandria Technical College. She resides in Sauk Centre with her husband and two children.

                            4150 S Second Street
                            Suite 500
                            St Cloud, MN 56301
                            tracy.a.meyer@ubs.com
                            Tracy Meyer
                            4150 S Second Street,St Cloud,MN,56301
                          • Michelle-Beeman

                            Michelle Beeman

                            Client Associate

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                              Michelle Beeman is a Client Service Associate.  Michelle joined our team with over 25 years of experience in the Retail Management and Sales field.  She holds B.A. degrees in Business Administration and Organizational Communications from Concordia College, Moorhead Minnesota.  One of Michelle's main responsibilities is the development and execution of the teams advertising and marketing initiatives. 

                              Michelle and her husband enjoy traveling, spending time at the lake and scuba diving.   Michelle resides in Sartell with her husband John.

                                    4150 S Second Street
                                    Suite 500
                                    St Cloud, MN 56301
                                    michelle.beeman@ubs.com
                                    Michelle Beeman
                                    4150 S Second Street,St Cloud,MN,56301

                                  Connecting you to the deep resources of UBS

                                  By seeing the big picture, we provide access to the global platforms and the financial and intellectual strengths of UBS’s experts in Wealth Management, Asset Management and our Private and Investment Banks.

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                                  Wealth transfer across generations

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                                  Retirement plan services

                                  Texas

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                                  Support and resources

                                  Our UBS Optimus Foundation in the US is directly supporting emergency response, relief and reconstruction activities in Texas through our partnerships with World Central Kitchen and Team Rubicon. You can support these organizations and pool funds, together with Optimus, to increase their ability to support communities in Texas. In addition, any client donation to one of our Optimus partners will receive a 10% match from UBS.

                                  Learn how you can get involved and make an impact through the UBS Optimus Foundation.

                                  The UBS Optimus Foundation is a global network of separately organized and regulated, tax-exempt, charitable organizations, founded and managed by UBS, that make grants and other financial contributions to implementing partner organizations aligned with their values and objectives.

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