An experienced and committed team

Mike Karl is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Investment Management Analyst (CIMA®) with over 42 years of experience in the financial services industry, including more than 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, 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, Mike is known for his honest and client-centric approach. 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.

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.

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 .

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.

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.