Our insights. Your plan. Simplified.

Benefits from our collaborative approach

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Understanding your life, your wealth and what you want to accomplish is at the core of our practice. We'll discuss your goals, the people who are most important in your life and your vision for the future. Then we'll help you organize your financial life into three strategies: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

Timeframes may vary. Strategies are subject to individual client goals, objectives and suitability. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved.

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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

    Market Director

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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

    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
      4150 S Second Street
      Suite 500
      St Cloud, MN 56301
    • Matthew- Nikodym

      Matthew Nikodym, AAMS, CRPS

      Senior Vice President–Wealth Management

      Financial Advisor

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      • 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
        4150 S Second Street
        Suite 500
        St Cloud, MN 56301
      • Jeffrey Botz

        Jeffrey "Jeff" Botz, CFP

        Account Vice President

        Financial Advisor

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        • 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.

              4150 S Second Street
              Suite 500
              St Cloud, MN 56301
            • Kalee Olson

              Kalee Olson

              Client Associate Senior

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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
                  • Tracy-Meyer

                    Tracy Meyer

                    Client Associate Senior

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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
                        • 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
                                • Veronica Villeneuve

                                  Veronica Villeneuve, CFP®

                                  Senior Wealth Strategy Associate

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                                  • 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.                                                                      

                                   

                                   

                                   

                                   

                                        4150 S Second Street
                                        Suite 500
                                        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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                                      UBS and Credit Suisse—stronger than ever

                                      Goals-based planning

                                      Goals-based planning

                                      Legacy—Wealth for others

                                      For needs that go beyond your own—to help you improve the lives of others

                                      What will your legacy be?
                                      It’s never too early to plan ahead. A Legacy strategy can help you gain more control over your financial future and what you leave behind, so you can move forward with confidence.

                                      Learn more at ubs.com/wealthway.

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                                      As of 12/31/2022

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