Our insights. Your plan. Simplified.

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

Mike Karl is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Investment Management Analyst (CIMA®).  Mike has over 42 years of experience in the financial services industry, 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 and helps his clients to develop individualized retirement plans (i.e. 401(k), Profit sharing and defined-benefit plans).

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

In addition to his experience as a Financial Advisor, he is a Certified Exit Planning Advisor (CEPA®).  This training allow him offer business owners exit-planning strategies and guides clients as to how to seamlessly transition out of their business, 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 his clients define and achieve their goals by following a long-term and value-orientated investment philosophy.  

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

Mike has 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, 2023The 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

• AZ
• CA
• CO
• DE
• FL
• IA
• ID
• IL
• MA
• MI
• MN
• MO
• 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.

• Forbes Best-in-State Wealth Advisors, 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, 2023The 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.

• Senior Retirement Plan Consultant
• Accredited Asset Management Specialist
• Chartered Retirement Planning Counselor℠
• Senior Portfolio Manager

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

Jeff has been in the financial services industry since 1998 and started at UBS in 2003. He spent a few years with Wells Fargo Advisors and he then rejoined the UBS team in 2019.  Jeff believes in building strong personal, as well as professional relationships with his clients.  It is apparent that his clients trust and respect him, because he has built many long-term relationships.  His goal is to help his clients achieve their own individual definition of financial success.

Jeff lives in St. Joseph, Minnesota with his three children.  Jeff is involved with in his children's activities and when not working enjoys family time at the cabin.  Jeff is a CERTIFIED FINANCIAL PLANNER ™ (CFP®) and has earned his Series 6, 7, 63 and 65 securities licenses, as well as his insurance license.

• 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.

• 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.

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.

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

Veronica Villeneuve is a Senior Wealth Strategy Associate.  She  started her career with UBS in 2017.  She has a B.S. degree from St. Cloud State University and has over 10 years of sales and marketing experience.  Veronica holds Series 7, 63, and 65 securities licenses and her insurance license.  Veronica's hobbies include running, fishing, golf and hiking.  She resides in Sartell with her son.