On the Money 2018

Are you doing all you can to assure that your finances are in order? Do you need some help learning tips on safe money-handling to rest assured, knowing you’re financially in the right spot? Well, most of us need a little help in that area, so we talked to local finance experts and they’ve agreed to share some knowledge. Use their smarts and a little bit of your own to get your money lined up so you can breathe easy and spend wisely.

writers T O M G I F F E Y, J E N E K B L A D

presented by

editors T O M G I F F E Y, E R I C C H R I ST E N S O N

+

listings J A M E S J O H O N N O T T

on the money

THE MAN WHO MAKES M ONEY TALK Aw a rd - w i n n i n g f i n an c i a l gur u K e vin M cK in le y sp e aks up ab out sa ving, s pending – a nd s ma rtphones WORDS: TOM GIFFEY / PHOTO: ANDREA PAULSETH

IT’S SHAPING UP BE TO BE BIG YEAR FOR EAU CLAIRE FINANCIAL ADVISOR AND PUBLIC RADIO H O S T K E V I N M C K I N L E Y : This fall, he marks 30 years as a financial advisor (“I’m starting to get the hang of it,” he quips), and last February he received the Governor’s Financial Literacy Award in the “Legacy” category. According to the office of Gov. Scott Walker, the Legacy award is akin to a lifetime achievement award “given to an organization, business, or individual whose purpose and heritage is ingrained in sustained financial literacy and capability.” But don’t worry, McKinley isn’t being put out to pasture – at least as far as he knows. “It was an honor to be honored,” says McKinley, who in addition to hosting the radio show, has written books, newspaper and magazine columns, and been quoted in publications such as The New York Times and The Wall Street Journal. “The Governor’s Financial Literacy Council has endured through several different governors’ terms, and is one of the reasons Wisconsin is one of the top states in educating its citizens on financial matters.”

McKinley took time from his busy schedule (he’s still an actual investment adviser, after all) to answer a few money-related questions from Volume One. Here’s what he’s got to say about the cost of college, the chance of another mortgage crisis, and the benefits of investing in beer.

Volume One: You’ve been doing the On Your Money radio show for 15 years.

What are the most common questions you get from listeners? Have these changed over time?

Kevin McKinley: Other than, “How did YOU of all people get a show on WPR??!!”, the questions most asked are “Should I pay my mortgage off faster than I have to?”, “Should I contribute to a Roth retirement account instead of my 401(k)?”, and “If I’m worried about losing money in the stock market, where should I invest instead?”. The answers are usually “No,” “no,” and “certificates of deposit.”

The cost of college has skyrocketed over the years, and we’re hearing more and more about the huge amounts of student loan debt that new graduates are saddled with. Financially speaking, is it still worth it to get a college degree?

Absolutely, as long as the student understands the payoff vs. the cost. If you owe $30,000 upon graduation from college, you can usually pay that loan off by making $300 monthly payments ($3,600 per year) for 10 years. That’s a good chunk of money, but after you’re done the benefits of the degree will hopefully continue to accrue to you long after the loan is paid off. And your income will likely exceed the $30,000 cost. Where people make mistakes is by going to schools that are too expensive, getting majors that don’t provide an economic benefit, and then not liv-

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on the money Barring a cataclysmic change, interest rates are likely to remain relatively low. But homeowners should stop prepaying fixed rate mortgages, and save for other needs instead. – K E V I N M C K I N L E Y ing cheaply enough in their first few years of adulthood.

Considering these rising costs, has the advice you give to parents (and students) changed over the years? Why or why not?

Not really – high school graduates usually aren’t very “valuable” (in terms of wages) in the job market right out of high school. So spending those years getting an education (two year school, four year school, whatever) is usually a good use of their time and money.

President Trump signed a huge tax overhaul at the end of last year. What is the real-world impact for most taxpayers?

Should this change our saving or spending decisions on a day-to-day basis?

Most taxpayers won’t be affected, although they will be itemizing fewer deductions and more likely to take the new, larger standard deduction.

Speaking of national news, we’re hearing more and more about trade wars and tariffs these days. Should this change long-term investment decisions, such as saving for retirement?

The news about trade wars and tariffs is unlikely to have a severe initial affect on most individuals. But it could be one more obstacle to continued economic and investment growth, which could then affect investors. In the long term it shouldn’t be a worry. And if it is a worry for you and your investments in the short term, perhaps you should be more conservative.

Historically speaking, interest rates are still pretty low, but that won’t last forever. What should we be doing to take advantage of them?

Barring a cataclysmic change, interest rates are likely to remain relatively low.

But homeowners should stop prepaying fixed rate mortgages, and save for other needs instead. Savers should look for other investments (like CDs) that pay more than liquid accounts, but are still relatively safe.

The housing market has been heating up in recent years, nationally as well as here and in the Chippewa Valley. Considering that what goes up must come down, are we headed for another 2007-style mortgage crisis?

Probably not, because the number of first-time homebuyers will help prop up the market. But if interest rates

rise, many people will choose to stay in their current homes with their current low-rate mortgage, and it could make it harder to find homes to purchase, without a lot of new construction.

That said, home prices will certainly decline at some point in the future, but you should be buying a home to live in, not as an investment.

If we’re lucky, every once in a while a little windfall comes our way: a bonus, an unexpected tax refund, etc. What’s your advice on making the best use of such money?

Pay off any high interest rate debt first (like credit cards), make sure you have at least three months’ worth of living expenses set aside, and then spend the rest on traveling, which usually provides consumers with the highest level of satisfaction. Or buy beer, which can provide some satisfaction, albeit of a temporary nature.

Everyone’s got a smartphone these days. How can we make sure we’re getting the best deal? How can we avoid getting stuck with an expensive, longterm contract?

Read the fine print – but most contracts are commodities, and similar from one provider to another. Instead of focusing only on cost, find a provider that gives you the best coverage where you will be using it. That said, put the phone down once in a while and have a face-to-face conversation with a real live human being (and while you’re at it, get off my lawn).

While we’re on the subject of smartphones, are there any personal finance apps that you really like that can help people spend less and/or have more?

If you’re comfortable letting a provider have access to your financial situation, Mint.com helps you track your spending so you know where your money is going, and what you can cut. If you’re in a committed relationship with another person, he or she will also be more than happy to tell you where you waste your money.

Eager for more McKinley? His “On Your Money” program is the 8am segment on Tuesdays on “The Morning Show” on Wisconsin Public Radio’s Ideas Network (88.3 WHWC-FM in the Chippewa Valley).

It’s rebroadcast at noon on Saturdays on the Ideas Network. His website is onyourmoney.com.

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on the money

T HE VIEW FROM THE TOP B r a n d o n R i e c h er s, CEO of Royal Cr e dit U n ion , h as clim bed the la dder of s u cces s WORDS: TOM GIFFEY / PHOTO: JOEL PEARISH

BRANDON RIECHERS HAS SPENT LITERALLY HALF OF HIS LIFE WORKING AT ROYAL CREDIT UNION, beginning in 1996 as a 21-year-old parttime financial sales representative in the office at Golf Road and Highway 93.

Over the course of more than two decades, he rose through RCU’s ranks until last July, when he became president and CEO of the Eau Claire-based credit union. His fourth-floor office in RCU’s headquarters offers a remarkable view of Phoenix Park, the soon-to-open Pablo Center at the Confluence, and the rest of the city, but during his career the credit union has expanded far beyond the city where it began: It now has more than 190,000 members in 42 counties across western Wisconsin and Minnesota. Riechers – a North High School graduate and UW-Eau Claire alum – said shortly after he started working at RCU he realized he could make a career there. “Throughout my career – and I tell people today – luck is really the result of opportunity and preparedness,” he says. Riechers recently chatted with Volume One about how RCU has evolved, what it offers to the community, and what the future holds.

Volume One: You started working here at age 21. At what point did you say, “I really like this place, I could see myself making a career here?”

Brandon Riechers: Pretty much when I graduated college and got into my work, at that time, at the contact center.

It was certainly a place I was looking at that had career possibilities. There were certainly opportunities. We were a progressive, growing organization, so at the time we were just over 100 team members, and now we’re over 600 team members. You think of the growth that it takes to do that in 20 years, there were lots of opportunities and possibilities for career advancement. So I certainly saw it as not only doing great things in the community and not only having a great culture internally within the organization, but there was just lots of opportunity.

What have you learned about the institution and role of a CEO in the past year?

One thing over the last year, it’s hammered home the need to listen. I held listening sessions right out of the gates when I took over as CEO, and that was with team members, that was with community leaders, that was with a variety of people – (such as) business clients – listenings for ways we can improve, because even as successful as we were as an organization, I knew there were things that we could be doing better. I

think when you’re in a position like this, you always have to be looking for those next, new ways to improve the organization. Because the moment your member base, your customer base, no longer thinks there’s value to what you’re providing, that’s when you start to slip.

RCU has a strong relationship with the Eau Claire community. Your headquarters help anchor Phoenix Park and other development downtown. What do you see happening to that relationship going forward, especially as the organization has grown geographically? How do you maintain the local focus?

One common denominator throughout our growth has been strengthening the communities that we’re in. We always want to be a strong community partner in any community we are. ... The fact that we’re expanding out gives us greater scale to give back at a greater level.

And that’s one of the reasons we started our foundation. Now we’re giving back through our foundation as well, and a lot of those types of gifts are focused on – basically a lot of our gifts, unlike some foundations, they can be for capital buildings, they can be for community centers that bring people together, so we’re looking for ways to educate people, bring communities together, and promote that collaboration that will in VOLUMEONE.ORG

turn resonate throughout the community and help the community grow.

What are things about the credit union model in general or about Royal specifically that people might not understand or appreciate?

In some respects the industry as a whole is big into collaboration. So Royal Credit Union can call up credit union ABC and compare strategies, compare different things that they’re possibility doing, so there’s a strong sense of collaboration. One of those collaborations, for example, is we’re actually one of the founding members of CULedger, which just got off the ground in the last year.

CULedger is a collaborative investment among credit unions, and essentially it’s working on improving the identification and authenticity of people, and it will add significant improvement to the efficiency of knowing who someone is, create a lot of business efficiencies that way, (and) it will reduce fraud and risk. But that all started out of a credit union collaboration. And this technology is built on blockchain – which you might have heard of – and distributed ledger. ...

I think that in answer to your question also is the community giveback. Things like this foundation we’ve started. And last year we had our first Community 38

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Give Back Day where we closed for a day in the offices and all 600 team members were out in the communities giving back. … We just came off of our Clarity Classic event which has now turned into Rock the Riverfront. It used to be just a race, the RCU Charity Classic, and now it’s expanded in nature, similar to how all the downtown activities seem to be expanding.

Talk a little about Royal’s recent growth and how that has occurred. What opportunities has that opened up?

The growth we’ve seen in the last few years has been a result of industry consolidation on both the banking side of the world and the credit union side of the world. While we’re getting organic growth on a regular basis, we’ve also seen some opportunities come into play with mergers and acquisitions. Most recently we’ve had acquisition of a whole bank in St. Paul and a bank branch in Apple Valley, Minnesota, both areas that we didn’t have representation in, and they were our first drive-ups in the Minneapolis-St. Paul metro market. ...

(In addition to) the expansion in the Minnesota market, we’ve actually seen growth in our home base market here in Eau Claire, too, so we continue to grow market share in our home market, staying not just relevant but also competi-

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on the money tive on the technology front, offering new technology to make it more and more convenient for people to transact business through mobile banking. …

Transactions are increasing exponentially through the smartphone, which is where everyone is conducting their business these days.

When you started working at Royal, you were at an age when people are generally first getting their feet wet in spending money, having money, or not having money. Do you think working for a financial institution helped you avoid some common money mistakes that young people make?

I think it helped. Being on the financial industry side of things, it was eyeopening to see how much education was needed out there, which was why that has been such a large component of what Royal Credit Union does, from the School Sense program to our community education we do on financial education. Just in the last year alone, we’ve taught 700 presentations to nearly 10,000 students – and that’s outside the School Sense program, where we’ve got the 27 branches within schools, soon to be 28 in the Chippewa Falls Elementary School. I think financial education is hugely important, more so today than ever, as consumer debt is increasing at historic highs.

When many of us think about borrowing money, we think only about homes, cars, and college, but there are obviously other times that it makes sense to get a loan.

What other loan situations should people think about?

I think one area is if you have equity in a house that you own, certainly a home equity line of credit is an option to have. You pay no interest or fees to have that line out there, and when you do use it there would be the normal interest rate at that time. That can be for anything from a house remodel to emergency funding gaps, but that’s a good option for somebody if they have equity in their home. We’re trying to promote savings from the standpoint of financial education, getting people excited about savings. ... If we can make it more goal-oriented, where you are saving up for a down payment on your next home, or a down payment on your car, then if you do run into that emergency funding gap, your car breaks down, (or) you have a health issue, you’ve got something to pull from before you’re getting into your day-to-day needs funds. Again, I think savings can be kind of like a diet: If you’re just approaching it on a short-term, it’s easy to go back on your old habits, but if you’re creating a short-term or a long-term goal with something purposeful behind it, it’s much easier to be disciplined about saving for a cause.

One common denominator throughout our growth has been strengthening the communities that we’re in.

– BRANDON RIECHERS, ROYAL CREDIT UNION

portion of what you’re paying on your loan amount – whether it be a mortgage or car loan – say you round up, and whatever amount then is also going to savings. It’s sort of a “set it and forget it” type mentality, where you’re thinking you’re paying this full amount to go toward your car loan or your home loan, but in reality it’s setting up this savings for whatever this goal is. That’s about the easiest way. Oftentimes if it’s happening automatic with regularity, it creates that habit of you’re not missing the money on a day-to-day basis, so it just goes on to accumulate.

that emergency does come up, seeking a traditional option such as a local financial (institution), rather than seeking payday loans and payday lending, can be an option that sometimes is easier to get back on your feet than it is if you’re in that spiral of payday loans.

Now that you’ve been in the job a year, what are the goals you have for either yourself or for Royal as a whole over the

You worked in lending a long time. Are there other things you saw frequently that you wish people had done before they sought loans?

I think certainly down payments, whether they be for cars or houses, when a person saves up for a down payment in those situations, not only does it improve their success rate in getting a loan, but it also can sometimes reduce the rate or the fees associated with that mortgage or that car loan.

So, again, saving up for, planning for, that eventual event is always a helpful tip. I think anyone who has ever found themselves in a burdensome credit card debt situation, there are credit card consolidation options through places like Royal Credit Union that are at a greater benefit to that person than say if they went through a finance company, for example. Both rates and fees again typically are going to be lower than what you’d encounter elsewhere. … Last year there was a survey that said almost 80 percent of full-time employees live paycheck to paycheck. That doesn’t allow for any sort of emergency gap funding as we talked about earlier. So when

How does someone go about getting that discipline?

One of the easiest ways is to set it up as an automatic transfer. Maybe if a VOLUMEONE.ORG

CEO

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next few years?

Starting with investments in technology, we need to continue to make it easier to do business with Royal Credit Union. We want to reduce friction, we want to reduce barriers. … Another facet to that is evaluating our existing data, all the things we know and figuring out ways that we can personalize and customize solutions to each of our members, kind of going back to how we can offer advice, or how we can help people reach their goals. ... As far as other goals we have, I have personally, continuing to develop our team members so that we have the best talent we can find out there. We’ve got a goal of high-impact talent, and that means both developing our internal people as well as recruiting the best talent we can.

on the money

THREE APPS TO MANAGE YOUR DEBT t r ac ks y o u r de b t s ( an d m ayb e e ve n save m on e y, t oo! ) the 21s t centu ry wa y WORDS: JEN EKBLAD

DEBT CAN BE OVERWHELMING, AND, IN SOME CASES, DEBILITATI N G . The key to managing this stress is getting a handle on your debt – it is crucial to your financial health to know exactly what you owe, even if you really do not want to know. I have been using three apps for some time now that help me to manage my debt. These apps help to alleviate some of the stress of being in debt and guide me toward financial

freedom. Oh, and one of these apps even helps me save money by investing and rewards me for paying down my debt – mind blown! Below you will find my review of these apps. I have graded each on its ease of use, multifunctionality, and cost.

Disclaimer: I use an Android mobile device, I am not a licensed financial planner and I am not affiliated with any of the companies that develop these apps.

CREATIVE COMMONS / CC0 1.0

1. M O NEYLI O N

Ease of use: A Multifunctionality: A Cost: A+ MoneyLion is one-of-a-kind: It is like NerdWallet and other personal finance apps combined, with great ease of use and a fantastic multifunctionality superpower. This app is free; however, there is an option to enroll as a member of MoneyLion Plus, which activates a guided investing feature and access to small, low-interest loans. This app provides a snapshot of your financial health which includes your assets, debts, and credit score. The app also offers daily personalized financial tips to help you improve the status of your financial health. I chose to enroll in the membership to help me save money for the future.

Bonus: As a member, $1 is deposited into my MoneyLion Plus account each day that I log into the app. Double Bonus: Keeping your finances in good health earns you points that can be exchanged for gift cards from Amazon.com, Kohl’s, Domino’s, AMC Theatres, and more.

When searching for tools to help you manage your debt, remember that if it seems too good to be true, it probably is.

Do your research before adding personal data and financial account information to any application. And finally, with apps that house personal data and connect to financial accounts, take extra precautions to protect yourself by enabling fingerprint login for added security.

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2. N E R DWALLE T

Ease of use: B Multifunctionality: C+ Cost: A+ NerdWallet is a free app that tracks your spending, helps you monitor and build your credit score, and shows you how to better save your money.

Spending is automatically categorized for you, but you are able to revise the category to more accurately represent how your money is being spent. Based on your financial status, NerdWallet shows you tips and offers that may help you further improve the status of your financial health. The app also allows you to set a variety of financial goals and monitors your progress of each goal.

3. DE BT PAYOFF PLAN N E R

Ease of use: C Multifunctionality: DCost: A+ Debt Payoff Planner is a free app.

There is an option to upgrade to PRO, but I do not think it is necessary. The app is basic and looks a bit dated, but it will help to give you a good idea of the status of your financial health. It takes a little leg work to enter in your debts (e.g., amount, interest rate, due date, etc.), but once you do, the app will suggest a debt payoff strategy and provide a payment plan that is optimized for your budget.

on the money

LISTINGS & RESOURCES G e t t o k n o w y o u r f i n a n c es b e t t e r w it h t h e h e lp o f ar e a f i n an c i a l c o u n s e lor s an d p lan n e r s

F IN AN C IAL C OU N S E LOR S

Cornerstone Financial Advisers 1109 W. MacArthur

This list features just local financial counseling services. If we missed your service, let us know and we’ll add you next time!

Deborah Becker Insurance & Financial Services Inc.

Catholic Charities Financial Counseling 448 North

Dewey St., Eau Claire • (715) 832-6644 • eauclaire@ cclse.org • cclse.org Offers disaster relief services, bankruptcy counseling, food assistance, housing counseling, and financial literacy counseling.

FamilyMeans Financial Solutions 2194 East Ridge Cen-

ter, Eau Claire • (800) 780-2890 • familymeans.org Offers tools and education so people can regain financial stability and reduce unmanageable debt. Services include budget & debt counseling, credit report review, debt repayment programs, and student loan counseling.

Freund Law 920 S. Farwell St., Eau Claire • (715) 832-

5151 • freundlaw.com Offering bankruptcy, debt relief, and debt collection services for individuals, farmers, and businesses throughout Western and Northern Wisconsin.

Klenz Financial Counseling • adrian@klenzfinan-

cialcounseling.com • Find this business on Facebook Works one on one with individuals, families, and couples to deal with money issues. Areas of focus are on budgeting, the psychology of money, ending destructive money habits, credit repair, and debt negotiation.

Western Dairyland Financial Counseling 418 Wiscon-

sin St., Eau Claire • (715) 836-7511, toll free at (800) 782-1063 • WesternDairyland.org/flip.phtml While Western Dariyland no longer provides financial counseling as a stand-alone program, they still counsel as part of the Work-n-Wheels and the Veteran’s Economic Empowerment Program.

F IN AN C IAL PL A N N E R S This list features just local financial planning services. If we missed your service, let us know and we’ll add you next time!

Affinity Asset Management 3430 Oakwood Mall

Drive, Suite 200, Eau Claire • (715) 833-1884 • gedwards@cfnmail.com • sfswealthmanagement.com/ home.aspx Offers retirement planning, risk management, investment solutions, estate planning, and financial planning.

Baird Wealth Management 4106 Oakwood Hills Park-

way, Suite 100, Eau Claire • rwbaird.com Areas of focus include financial and estate planning, featuring retirement and education planning, tax planning, wealth transfer, and charitable giving; investment management, including portfolios, comprehensive advisement, brokerage, and cash management; and risk and liability management.

Bernicke Wealth Management 1565 Bluestem Blvd,

Altoona • (715) 832-1173 • bernicke.com Acts as the chief financial officer of their clients, consulting about major decisions and assets, while also contracting specialists. Services include investment management, tax minimization, estate planning, income planning, and asset preservation.

Blue Granite Wealth - Raymond James Financial

4257 Southtowne Drive, Eau Claire • 715.514.2903 • bluegranitewealth.com Blue Granite Wealth offers banking & lending solutions, business planning, corporate retirement plan consulting, education planning; estate, charitable giving & trust, financial planning, fixed income services, longevity planning, portfolio management, retirement planning, and risk management.

Cadott Tax & Financial Services 345 N. Main St.,

Cadott • (715) 289-4948 • info@cadott-tax.com • cadott-tax.com As a full-service tax and accounting firm, offering professional, personal service; expert knowledge, and comprehensive tax & accounting services. Can help with businesses, farms, families, estate planning, and life insurance.

CLA 3402 Oakwood Mall Dr., Eau Claire • (715) 832-

1100 • claconnect.com Offering planning and guidance to help you reach your professional and personal goals.

Services include audit preparation, consulting, global services, accounting, health insurance, outsourcing, tax, technology, business & leadership transitions, employee benefit plans, growth strategies, human resources, wealth advisory, and more.

Ave., Suite 3, Eau Claire • (715) 834-5366 •

404 S. Barstow Street, Eau Claire • (715) 835-4328 • deborahbecker.com Deborah Becker has 20 years of experience with State Farm. Offers auto, home, life, business, motorcycle, renters, condo, and pet insurance. Deborah is also licensed to offer banking and annuity services.

Fries Financial Group 11 E. Central Street, Chippewa Falls • 715.720.9605 • friesfinancialgroup.com Fries Financial Group is an independent Raymond James Financial branch. They offer asset allocation, asset management, college planning, estate planning, financial planning, and retirement planning.

Hall Financial Group LLC 4319 Jeffers Rd, suite 202,

Eau Claire • (715) 514-2526 • info@hallfinancialgroup.com • hallfinancialgroupllc.com An independent firm offering including financial plan creation, portfolio preparation, capital preservation, ongoing monitoring, and retirement plan development.

Investment Management Associates 431 E Claire-

mont Ave., Suite A, Eau Claire • (715) 839-1006 • drobl@royalaa.com • imaeauclaire.com An independent advisor offering financial services to build and preserve the wealth of clients from all walks of life including business owners, executives, retirees, and more. They can choose from non-proprietary financial instruments.

Jones Financial Consulting, LLC Eau Claire • (715)

577-2778 • jonesfinancialconsulting.com Helping you achieve your personal financial goals, make sound financial decisions, and achieve peace of mind regarding your finances. Specializing in comprehensive financial planning and investment guidance for pre-retirees and retirees. Jones Financial is an independent advisory firm that acts as a fiduciary.

Keystone Financial 4410 Golf Terrace, Eau Claire •

(715) 835-6022 • keystonecv.com KeyStone Financial is a full service financial advisory firm serving clients throughout the Midwest. Services include retirement plans, income strategies, wealth accumulation, life insurance, tax minimization, IRA & 401(k) Rollovers, asset protection, annuities, mutual funds, and bonds.

Main Street Capital Management 601 S. Farwell

Street, Eau Claire • (715) 834-9111 • mainstreet.capital@lpl.com • mymainstreetlink.com Main Street Capital Management offers services like investing principles and strategies, retirement investing and distribution strategies, estate conservation issues, risk management, planning for college savings, life insurance, and more.

Merrill Lynch Wealth Management 3508 Oak-

wood Mall Drive, Eau Claire • (715) 835-0710 • ml.com Works with individuals, families, business owners, executives, and institutions to help address wealth management challenges and opportunities.

Orgel Wealth Management 2420 Rivers Edge Drive,

Altoona • (715) 835-6525 • contact@orgelwealth.com • orgelwealth.com A nimble yet sizable group of financial professionals—all adept at maintaining familiarity with each client.

RAI Stone Group 3504 Oakwood Mall Drive, Eau Claire • (715) 598-4340 • raistonegroup.com

RCU Investment & Insurance Team Products and Services • rcu.org RCU offers mutual funds; advisory plans; fixed, index, immediate and variable annuities; life insurance, bonds, and retirement accounts.

River Prairie Wealth Partners Altoona • 715.832.7715 • ameripriseadvisors.com Area of focus include retirement income strategies, tax planning strategies, and wealth preservation strategies. A financial advisory practice of Ameriprise Financial Services, Inc.

Seeman Tax & Financial LLC 535 Fairfax Street,

Altoona • (715) 835-1156 • seemanfinancial.com Offers accounting services, tax returns, and payroll to businesses.

Stifel Nicolaus & Co Inc. 3704 Oakwood Hills Pkwy,

Eau Claire • (715) 852-1990 • stifel.com/branch/wi/ eau-claire Offers services for retirement, saving for college, tax minimization, increasing income, investment management, and other personalized services.

Terry Krumenauer Financial Group 2889 County

Highway I, Ste. 3, Chippewa Falls • (715) 720-4900 • money.usnews.com Offering services of financial planning, education seminars, portfolio management for individuals and small businesses, pension consulting,

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