Certified Finance Specialists Cottage Grove MN

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Charles Buck
Buck Financial Advisors, LLC
(651) 330-3585
9733 Wellington Ridge
Woodbury, MN
Expertises
Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Newlyweds & Novice Investors, Helping Clients Identify & Achieve Goals, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®

Thomas Alf
Clerestory Advisors, Inc.
(651) 209-2610
750 Main Street, Suite 215
Mendota Heights, MN
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Planning Issues for Unmarried & Same-Sex Couples, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®, CPA

Jonathan Jaranson
PrairieView Partners, LLC
(651) 233-1100
413 Wacouta Street, Suite 300
St. Paul, MN
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Retirement Plan Investment Advice, Estate & Generational Planning Issues, Tax Planning, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®

Steven Zimmerman
Mindful Asset Planning
(952) 432-4666
14530 Pennock Avenue
Apple Valley, MN
Expertises
Retirement Planning & Distribution Rules, Financial Psychology/Coaching, Ongoing Investment Management, Planning Concerns for Corporate Executives, Planning Issues for Business Owners, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, ChFc

Janet Stanzak
Financial Empowerment, LLC
(952) 646-0026
450 American Blvd. West
Bloomington, MN
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, Planning Issues for Business Owners, Women's Financial Planning Issues, Tax Planning, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Nate Wenner
Wipfli Hewins Investment Advisors, LLC
(651) 766-2869
8665 Hudson Blvd N
St. Paul, MN
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Advising Medical Professionals, Women's Financial Planning Issues, High Net Worth Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, CIMA, CPA/PFS

Lauri Salverda
Clerestory Advisors, Inc.
(651) 209-2610
750 Main Street, Suite 215
Mendota Heights, MN
Expertises
Ongoing Investment Management, Middle Income Client Needs, Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice, Estate & Generational Planning Issues, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, CDFA, CFA, CFP®

Stephen Galligan
Galligan Financial Advisors
(651) 456-5385
3460 Washington Drive, Suite 204
Eagan, MN
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Divorce Planning, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA/PFS, MBA, MS

Edward Schrotenboer
Ednomics Financial, LLC
(952) 888-3834
801 W. 106th Street, Suite 212
Bloomington, MN
Expertises
Tax Planning, Retirement Planning & Distribution Rules, Middle Income Client Needs, Ongoing Investment Management, Hourly Financial Planning Services, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Robert Rogers
Rogers Financial Advisory, LLC
(612) 379-7692
143 Orlin Avenue, SE
Minneapolis, MN
Expertises
Ongoing Investment Management, College/Education Planning, Retirement Planning & Distribution Rules, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MA, PhD

Become a Finance Specialist

by Blanche Evans

As real estate agents search for new ways to brand themselves as specialists in the real estate transaction, training in the financial aspects of real estate buying and selling is more important than ever. A designation offered by the Residential Financing Council could be an important factor for agents who want to keep themselves at the center of the transaction.

The "Certified Finance Specialist (CFS(r) designation is designed to signify competence and experience in the area of real estate finance, says says Charles Dahlheimer, president of North American Consulting Group, Inc., and former president of REBAC and cofounder of the Accredited Buyer Representative (ABR) designation. Open to real estate and mortgage professionals, the designation is designed to bridge the link between the growth of buyer agency and a new focus on financing.

"The successful agent of the future will be recognized as a professional counselor and negotiator, one who can help the consumer interpret and evaluate information, provide advice and counsel, structure negotiating strategies and manage all aspects of the real estate transaction," says Dahlheimer.

As consumers become empowered with vast amounts of property information via the Internet, their confidence in agents hasn't necessarily grown. Brokers and agents complain across the country of commission compression, and competition from limited service or discount brokerages has put more pressure on traditional agents to distinguish themselves from low-cost competitors in new ways.

According to the "Future of Real Estate Brokerage," a study commissioned by the NAR, the number of real estate transactions has increased, but brokers are not reporting a comparable rise in profitability. In order to restore and enhance profitability, the broker will employ higher-cost technologies to serve consumers more efficiently and develop ancillary services to reduce dependence on commissions as revenue generators, all of which could result in a "a shift of power away from the agent toward the brokerage firm."

Dahlheimer sees an agent well-versed in finance as an asset to the consumer and the brokerage. The proliferation of loan products and the increase in unprincipled lenders using predatory practices, and the rise in buyer's agency all point the way to him that finance is the next great consumer opportunity.

"If the real estate agent is truly representing the buyer's best interests in the transaction, it is necessary for the agent to know what options may be available and to counsel the buyer not only in seeking out the best options, but also in helping them interpret the data that is available," says Dahlheimer.

The designation course is designed to teach agents how to detect and assist the buyer to challenge "junk" fees, to educate them about credit scoring and "A", "B" and "C" paper loans, and how to help buyers pick the loan that's best for their circumstances. Seller's agents are instructed to off...

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