One commitment. All of UBS.

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Michael Karl, CFP, CIMA

Mike Karl is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Investment Management Analyst (CIMA®).  Mike has over 42 years experience in the financial services industry, 40 years with UBS Financial Services and Piper Jaffray.  Mike has been designated a Senior Retirement Plan Consultant by UBS for his extensive knowledge and experience in managing corporate 401(k) retirement 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.  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.  He uses his background, training and experience to develop tax-efficient strategies for clients while collaborating with their tax and legal professionals.

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 BA in Commercial Economics from South Dakota State University.

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

Recognized as an industry leader:

  • Forbes Best-in-State Wealth Advisors, 2018, 2019, 2020, 2021, 2022The 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.
  • PLANADVISER Top Retirement Plan Advisers, 2022The PLANADVISOR rating is awarded in Q1 based on information from January of the award year.
  • Forbes Best-in-State Wealth Management Teams, 2023The Forbes rating is awarded annually in November and is based on information from March of the prior year to March of the award year. 

Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures

Education

  • B.A. in Commercial Economics, South Dakota State University

Credentials

  • CERTIFIED FINANCIAL PLANNER™
  • Senior Retirement Plan Consultant
  • Certified Investment Management Analyst®
  • Senior Portfolio Manager

Our advice is comprehensive. We help diverse clients in a broad range of areas, including:

Financial planning
Retirement Plan consulting
401(k) plan services
Alternative investments
4150 S Second Street
Suite 500
St Cloud, MN 56301
  • (320) 203-6572

Email Me

Michael Karl, CFP, CIMA is also part of:
St. Cloud, MN Branch Office

What will your legacy be? Whether it's to preserve your estate for the next generation, or contribute to the philanthropic causes that mean so much, we provide the advice you need to clarify your goals, weigh your choices and choose a strategy today that can help you shape the legacy you envision for tomorrow.

Mother daughter ocean

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.

  • Matthew- Nikodym

    Matthew Nikodym, AAMS, CRPS

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AZ
    • CA
    • CO
    • DC
    • DE
    • FL
    • ID
    • IL
    • MA
    • MI
    • MN
    • MO
    • MS
    • MT
    • NC
    • ND
    • NE
    • NM
    • NV
    • NY
    • OR
    • 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, 2022The 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 awarded annually in November and is based on information from March of the prior year to March of the award year. 

    • St Cloud State University, B.S. in Finance
    • Senior Portfolio Manager
    • Senior Retirement Plan Consultant
    Financial planning
    Retirement planning
    401(k) plan services
    Business owners
    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
    • DC
    • DE
    • FL
    • ID
    • MA
    • MI
    • MN
    • MO
    • MS
    • MT
    • NC
    • ND
    • NM
    • NV
    • NY
    • OR
    • 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.

      • St Johns University
      • CERTIFIED FINANCIAL PLANNER™
      Financial planning
      Retirement planning
      4150 S Second Street
      Suite 500
      St Cloud, MN 56301
    • Kalee Olson

      Kalee Olson

      Senior Client Associate

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      • MN

      Kalee Olson is a 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

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              Tracy Meyer is a 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 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
                            • NY
                            • SD
                            • TX
                            • WA
                            • WI

                                  4150 S Second Street
                                  Suite 500
                                  St Cloud, MN 56301

                                Defining your priorities. Pursuing what matters.

                                Our experience and structured planning process drives a comprehensive financial plan and customized investment strategies. Depending on where you are in your life and the priorities that matter most, our planning conversations may focus on liquidity management, your cash flow needs, asset replacement solutions such as insurance, estate planning strategies, or tax and legal structures such as trusts and philanthropic vehicles.

                                Retirement planning

                                Retirement planning

                                UBS Wealth Way

                                UBS Wealth Way

                                A team approach

                                A team approach

                                What's your vision?

                                We can help you bring your vision to life.

                                Our 150-year heritage of managing the wealth of generations of the world’s visionaries—creative thinkers, driven doers, legacy builders—is a testament to our passion for what we do.

                                Backed by the strength of UBS

                                A global leader in wealth management

                                $2.8 trillion

                                In invested assets globally 
                                As of 06/30/2022

                                Global leader

                                UBS is a world-leading wealth manager

                                $10 billion

                                USD invested in 100% sustainable portfolios4

                                4ubs.com/Impact/2/2020

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