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

• AL
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• DE
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• GA
• IA
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• IL
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• MN
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• ND
• NE
• NM
• NV
• NY
• OR
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• WA
• WI

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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• 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 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 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 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 .

• 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.