Your goals. Our comprehensive plan.

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Mike Karl is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Investment Management Analyst (CIMA®) with 45 years of experience in the financial services industry, including 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. 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.

MN Insurance License #1001063

• 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, 2025, 2026The 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.
• NAPA Top DC Advisor Teams, 2025, 2026The NAPA rating is awarded annually in March based on information from December 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

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• CA
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• DE
• FL
• GA
• IA
• ID
• IL
• MA
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• NC
• ND
• NE
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• NV
• NY
• OR
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For more than two decades, Matt has been helping clients pursue their financial goals with confidence. He provides strategic guidance to individuals, families, and small business owners seeking to build, preserve, and transfer wealth. Since joining UBS in 2003, he has guided his clients through a variety of market cycles, building trusted relationships grounded in personalized advice and long-term planning.

Matt works closely with clients on wealth management, retirement planning, financial planning, and insurance strategies. He earned the designation of Senior Retirement Plan Consultant for his work with company-sponsored 401(k) and retirement plans. He also maintains the AAMS® and CRPS® designations, reflecting his commitment to professional education and retirement planning expertise.

Matt is actively involved with the Boys and Girls Clubs of Central MN, serving on the Board of Directors and Executive Committee. As the chair of the Resource Development Committee, he has played a pivotal role in overseeing the club's successful expansion.

He is also deeply envolved with the United Way of Central MN, where he chairs the Financial Stability Advisory Board and serves on the Board of Directors. Matt is a past member of the Finance and Executive Committees of the United Arts, which supports Central MN Arts, and is currently a board member for the St Cloud Blue Sox baseball team.

When he's not working with clients, Matt enjoys cycling, golf, tennis, and skiing. He and his wife, Jessica, are proud to call St. Cloud home, where they are raising their three sons.

MN License Number: 20436783

• 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. 
• Barron's Top 1,500 Financial Advisors, 2026The Barron's rating is awarded annually in March based on information from the prior year Q3.
• Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026The 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, 2025, 2026The 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.
• NAPA Top DC Advisor Teams, 2024, 2025, 2026The NAPA rating is awarded annually in March based on information from December of the prior year.
• UBS Wealth Management Chairman’s Council, 2024, 2026UBS 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

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• FL
• IA
• ID
• MA
• MI
• MN
• MS
• MT
• NC
• ND
• NM
• NV
• NY
• OR
• SC
• SD
• TN
• TX
• WA
• WI

Jeff Botz is a Senior Wealth Strategy Associate with the Karl Nikodym Wealth Management Group, partnering closely with clients to develop personalized wealth management strategies tailored to each client's unique goals and priorities. He serves as the team's specialist in insurance and financial planning, helping clients navigate important financial decisions with confidence and clarity.

Jeff believes in building strong personal and professional connections with his clients. His commitment to understanding each client's individual needs has earned their trust and respect, resulting in many long-term relationships. His goal is to help clients achieve their own definition of financial success through thoughtful planning and personalized guidance.

Jeff has been in the financial services industry since 1998 and has extensive industry knowledge and experience.  He began his career with UBS in 2003 and after a brief tenure with Wells Fargo Advisors, he rejoined UBS in 2019.

As a CERTIFIED FINANCIAL PLANNER®™ (CFP®) professional, Jeff takes a comprehensive approach to wealth management, with expertise in retirement planning, tax-aware strategies, estate planning considerations, and wealth preservation. He holds Series 6, 7, 63, and 65 securities licenses, as well as an insurance license, and has earned the Chartered Retirement Plans Specialist™℠ (CRPS™®) designation.

Jeff resides in St. Joseph, Minnesota, and enjoys spending time at the family cabin in northern Minnesota and visiting his three adult children.

 MN Insurance License #20267409

• 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

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Veronica Villeneuve, CFP®, is a Senior Wealth Strategy Associate at UBS Financial Services, where she partners with high-net-worth individuals and families to deliver personalized, holistic wealth management solutions. With a strong foundation in financial planning and a commitment to building lasting client relationships, Veronica helps clients navigate complex financial decisions with clarity, confidence, and a long-term perspective.

As a CERTIFIED FINANCIAL PLANNER® professional, Veronica is committed to the highest standards of ethics and client care. She prioritizes ongoing professional development and remains attentive to evolving market trends, regulatory changes, and planning strategies to help clients make informed decisions.

Outside of work, Veronica enjoys traveling, visiting national parks, hiking, and spending time in northern Minnesota with her husband and children.

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Kalee Olson is a Senior Registered Client Associate with UBS Financial Services and a trusted resource for clients and colleagues within the Karl Nikodym Wealth Management Group. She excels in managing account operations, maintaining accurate records, and addressing client needs with efficiency, care, and attention to detail. As the team's insurance specialist, Kalee provides valuable expertise and support to help deliver comprehensive client service.

Known for her professionalism, discretion, and commitment to UBS's high standards, Kalee is dedicated to building lasting client relationships and ensuring that every experience is seamless and reassuring. Her responsiveness and client-centered approach contribute to the team's reputation for personalized wealth management and exceptional service.

With 30 years of experience in the financial services industry, 21 with UBS, Kalee brings extensive industry knowledge and a deep commitment to client service. She holds FINRA Series 7, 63, and 65 licenses, enabling her to provide knowledgeable support across a wide range of client needs while helping maintain the highest standards of service and professionalism.

Kalee resides in Alexandria, Minnesota, with her husband.  She loves to travel, bake and spend time with her adult children.

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Tracy Meyer is a Senior Client Services Associate dedicated to delivering exceptional support and service to clients. She collaborates closely with the entire team to ensure seamless account administration, proactive communication, and personalized solutions tailored to each client's unique needs.

Tracy is known for her unwavering commitment to confidentiality, integrity, and client care. Her attention to detail and responsive approach help create a smooth and reassuring experience for clients, contributing significantly to the team's reputation for personalized white-glove service and commitment to excellence.

With 29 years of experience in the financial services industry, most of which have been spent with UBS Financial Services, Tracy brings a wealth of knowledge and expertise to the team. She holds FINRA Series 7, 63, and 65 licenses. She also provides valuable support and insight in the area of alternative investments, helping clients navigate a broad range of wealth management solutions.

Tracy resides in Sauk Centre, Minnesota, with her husband and enjoys spending time with her adult daughters, cherishing every opportunity to create lasting memories.

Michelle Beeman is a Client Associate with the Karl Nikodym Wealth Management Group and is often the first point of contact for clients. She plays a key role in coordinating and preparing for client meetings, helping ensure a seamless and welcoming experience from the very first interaction.

Michelle specializes in marketing initiatives and client engagement, ensuring that every touchpoint reflects the team's commitment to excellence and personalized service. She helps communicate a consistent and cohesive message on behalf of the team.

Michelle joined UBS in 2018 after spending 25 years in the retail industry as a buyer for major department stores. She resides in Sartell, Minnesota, with her husband and two cats. Outside of work, Michelle enjoys traveling, hiking, and scuba diving, embracing opportunities for adventure and exploration whenever possible.