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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    • 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, 2023, 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.
    • 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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      • AZ
      • CA
      • CO
      • DE
      • FL
      • 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.

      • Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023, 2024The 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, 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.

        • 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

        Financial Advisor

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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

        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.

        • 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.

            Financial planning
            Education planning
            Retirement planning
            Investing
            Business owners
            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
            • 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.                                                                      

             

             

             

             

                  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 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 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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                                    Global Wealth Report 2024

                                    Crafted wealth intelligence

                                    Now in its 15th edition, the Global Wealth Report 2024 offers you leading insights into household wealth and prosperity across the world. In the US, average wealth growth has spiked from 3.7% between 2000 and 2010 to nearly 6.3% between 2010 and 2023.

                                    Gain additional insights into the trends shaping wealth in the US and around the world.

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