Tax-deferred accounts are popular tools to save for retirement, but for some retirees, these accounts come with a new challenge—Required Minimum Distributions (RMDs).
This part of our charitable giving series will focus on maximizing the amount your charity receives while also maximizing your tax benefits. We’ll discuss donating appreciated assets and leveraging Donor-Advised Funds for greater impact.
Imagine a way to support your favorite charities while also cutting your tax bill. Sounds perfect, right? Before diving into specific strategies, it’s crucial to understand two essential concepts.
Why do some small businesses springboard their growth into success while other’s plateau? Let’s break this down to help you understand where you’re at and how to get beyond this challenge.
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Taylor is a Staff Accountant at North Point Advisor Group. She holds a BBA in Accounting from the University of Minnesota – Crookston and has 10+ years of experience in the accounting world. Experience ranging from Accounts Payable and Receivable, Bookkeeping, Payroll, Fixed Assets and Inventory Management.
Outside of her professional role, Taylor is married with two daughters. In their spare time they like to go outdoors and spend time with family. They enjoy hiking, occasional camping, hunting/fishing and 4-wheeling.
Michayla is the Office Manager for our Minnesota office. She holds a BBA in Finance from the University of Wisconsin-Eau Claire and has previous experience in trading and operations within the wealth management industry. She collaborates with both the Operations and Business Development teams, helping North Point to better connect with clients and refine our services.
Outside of her professional role, Michayla enjoys dancing, baking, and traveling.
Michayla hopes to use her diverse experience and attention to detail to ensure that our clients receive exceptional service.
As a Financial Advisor here at North Point, Sarah combines her extensive experience with a personal touch to help clients navigate the complexities of securing their financial future. She believes that a well-crafted plan not only reduces stress, but also allows clients to fully enjoy the process of achieving their goals. Committed to understanding each client’s unique aspirations, Sarah works closely with clients to develop strategies that promote financial peace of mind. Her dedication to empowering others through thoughtful financial planning has established her as a trusted partner for long-term success.
Sarah holds a bachelor’s degree from the College of Saint Benedict and a master’s degree from the University of Wisconsin-Stout. As a CFP® professional and Series 65 holder, she demonstrates her dedication to providing skilled guidance every step of the way.
Sarah lives in Mahtomedi with her husband and three children. In her free time, between shuffling kids to their sports, she enjoys spending time outdoors with her family, camping in the summer, and skiing in the winter.
As a Senior Advisor, Jeff works with a specific emphasis in the areas of retirement income planning, wealth transfer, and overall client portfolio management. He also helps with group benefits, including group insurance planning and qualified deferred compensation plans.
Jeff holds a Bachelor of Science Degree from Iowa State University and FINRA securities registrations through LPL Financial that include the Series 6, 7, and 63. In Jeff’s free time, he enjoys boating, biking, snowshoeing and neighborhood bonfires with friends and family. Jeff is married and is active in his local community.
David is one of our firm’s Managing Partners and a Financial Advisor. David is passionate about growing our firm by working with clients throughout important stages in their lives. From college planning, to building a family, to retirement and everything in between, David services clients to work towards their goals.
David received his bachelor’s degree from the University of Wisconsin-Eau Claire. He also studied at The American College, where David earned his RICP® designation and completed his CFP® coursework. David is married and has two children. In his free time, David is a competitive golfer who enjoys the outdoors and a wide variety of sports.
Steve has over 30 years of experience managing money for financial institutions, non-profit organizations, retirement plans and individuals, and has earned the Chartered Financial Analyst (CFA) designation. The market’s unique blend of statistical and psychological influences sparked Steve’s passion from an early age. He combines this experience and passion with a heavy dose of integrity and listening to provide impactful experiences for clients.
Steve is most at home in nature, whether that is hiking, kayaking, boating, skiing, motorcycling or music festivals. Steve has two sons in their early 20’s and recently published a spirituality/self-help book entitled Clear Vessels-Live a Clear, Joyful and Guided Life.
Steven Hoffman is solely an investment advisor representative of Great Valley Advisor Group, and is not affiliated with LPL Financial. Any opinions or views expressed by Steven Hoffman are his own and are not those of LPL Financial.
Amanda Bryant is the Director of Operations at North Point Advisor Group. Amanda joined our team in 2016. She works closely with our advisors and staff professionals in a partnership to maintain a strong culture of compliance to regulatory policies. With a focus on internal organizational systems, Amanda enjoys the opportunity to make it possible for the advisors to spend less time on back-office tasks and more time with clients.
Amanda lives in Forest Lake with her son and husband where they spend the summers outdoors hiking, kayaking and swimming and the winters skiing, sledding and sipping hot cocoa.
Focus
• Organizational strategy
• Operational strategy and workflow integration
• Compliance development and implementation
Heidi has a BS in Business Management from Cardinal Stritch University. Heidi is also licensed in life and health insurance. Heidi Steffen is the Administrative Manager and joined our team in 2021. She works closely with the Client Services team ensuring the North Point Advisor Group client services standard of excellence is met. As a member of the Operations team, Heidi works to assist in maintaining a strong culture of compliance, implementing company policies and procedures, and elevating company culture and morale
Heidi is married to her husband, Luke. In her free time, she enjoys spoiling her nieces and nephews, bow hunting and yoga.
Mack has a bachelor’s degree in accounting and finance from Saint John’s University, and holds a Certified Public Accountant (CPA) license in Minnesota. Mack’s experience includes 6+ years in the accounting world, handling tasks including bookkeeping, payroll, tax returns, financial compilations, and financial audits.
In his free time, he enjoys coaching football and wrestling, golfing, and spending time with friends and family.
Steve holds a bachelor’s degree in accounting from Mankato State University. Steve’s experiences entail over 20 years’ experience handling accounting duties which include daily bookkeeping, payroll, benefits tracking, government filings, and preparation of financial statements.
Steve enjoys spending time fishing, hiking, golfing, and other outdoor activities in his free time.
Steve Sadecki and their Tax/accounting/CPA related services offered through North Point Accounting & Tax, DBA North Point Advisor Group. Steve Sadecki and North Point Accounting & Tax, a separate legal entity, are not affiliated with LPL Financial. Any opinions or views expressed by Steve Sadecki are his own and are not those of LPL Financial.
Brenden attended the University of Wisconsin Eau Claire where he received two degrees in Accounting and Marketing. Upon graduation, he moved to the Twin Cities to pursue a career in public accounting for two years but found his way back to Wisconsin where he now lives with his wife in Altoona. He has spent his days preparing both corporate and individual tax returns, assisting with client bookkeeping, and preparing quarterly estimates. He is excited to join the North Point team as a Paraplanner.
In his free time, he enjoys spending as much time as he can outdoors. Fishing, Hunting and Golfing are some of his favorite activities. He also enjoys spending time with family up north on the lake. As the weather gets colder, he spends much of his Sunday afternoons keeping up with the NFL action as an avid football fan.
Paul works to both help our clients and team member’s meet their personal and professional goals.
Paul began his career in the financial services industry in 1979 after graduating from UW-Stevens Point with a degree in economics. His passion for education has continued throughout his career, most recently receiving the CLU® (Chartered Life Underwriter) designation, which further facilitates his dedication to life insurance and estate planning specialization. Paul has been married for over 40 years and has two daughters, and two grandchildren who he enjoys spending his free time with.
Jeremiah has a strong background in tax planning and tax preparation. He holds a master’s degree in Accounting and Financial Management, which has equipped him with the ability to navigate complex tax regulations. Jeremiah has consistently demonstrated a commitment to excellence and precision in all aspects of tax management. His meticulous approach ensures that clients experience accurate and efficient tax preparation.
Outside of his professional life, Jeremiah is an avid golfer, a passion he developed with his grandpa as a child. He is married to his wonderful wife Bridgett and has four children. The family shares a love for boating and can often be seen on Lake Altoona as soon as the ice melts.
David comes to us from Concord USA in the Corporate Finance Division. His duties ranged from tracking client projects and consultant data while ensuring accuracy, processing client invoicing and vendor payments to reviewing and processing documents, invoices and payments related to employee expenses. Before Concord, David was with Washington County and 3M as a Financial Analyst. With a Degree in Business Administration with a Finance Emphasis – David’s true passion lies in personal finance.
David is an avid outdoorsman who enjoys experiencing nature in any form possible. His favorites include fly fishing, camping, backcountry hiking, and recreational sports. As a former volunteer firefighter, David brings a strong desire to utilize his knowledge and skills to help others.
Prior to North Point, Joel worked for five years in banking as a Teller/Universal Banker. While in school he also worked at Starbucks and interned as a Judicial Assistant for Eau Claire County. Joel recently graduated from University of Wisconsin Eau Claire with a degree in Finance and Political Science.
In his free time, Joel loves being outside and spending time with my friends. He enjoys hiking and is a “want-to-be runner.” He and his friends love trying new restaurants or recipes together.
Abbey is a Paraplanner at North Point Advisor Group. She has over 7 years of experience in the financial industry serving in a client services capacity, coordinating with both Advisors and clients to provide outstanding service and care. Abbey is licensed in both life and health insurance.
Outside of work, Abbey has a very active family with two boys who participate in year-round sports. She also loves to spend time traveling, being on the water, and finding new trails to take her puppy on.
Abbey hopes to use her experience and astute attention to client service to ensure our clients are always at the forefront of exceptional experiences.
Mathias has a BS in finance from the Carlson School of Management (UMN-Twin Cities). Before switching to finance, Mathias studied mechanical engineering and worked in the PCL Lab as an undergrad research assistant.
In his free time, Mathias enjoys golfing, lifting, and fishing. He is also an avid fan of basketball and coaches a youth team within his hometown district. On the weekends you may find him at a basketball tournament or up north enjoying the great outdoors.
Matt comes to North Point after serving and guiding clients in making sound financial decisions over the last 19 years. By educating and simplifying the complex world of financial planning, Matt aims to bring a sense of security and comfort to his clients, while helping them to look to the future with hope and optimism. Matt holds his Certified Financial Planner ®, Chartered Financial Consultant ®, and Retirement Income Certified Professional ® designations. He graduated from St. Olaf College in Northfield, MN while majoring in Economics.
Matt is married and has two children and a high energy Australian Shepherd. He enjoys watching his kids do what they love and in his free time spends time outside mountain biking and enjoying all that Northern Wisconsin has to offer.
Sheri is an experienced Financial Advisor and enjoys bringing peace of mind to businesses and families through sound financial guidance focused on client goals and values. Sheri received her Bachelor of Science degree in Business from the University of WI-Stout and an Associate of Applied Science from Chippewa Valley Technical College. She also studied at the American College where Sheri earned her RICP® designation. Sheri holds her Series 6, 7, 63 & 66, life, accident, and health insurance licenses.
She is married and has 3 children. She lives on a family-owned beef farm and to re-charge, likes spending time in the outdoors, traveling, visiting national parks, hiking, spending time on a lake or beach and scrapbooking.
I believe the secret to a fulfilling life is to be grateful for all that you have and do something every day that makes you happy.
Jason serves as Director of Retirement Plans for GVA Retirement Consultants and partners with corporate and non-profit executives to improve and manage all facets of their retirement plans. He has provided independent advice and fiduciary guidance to corporate and non-profit employers since 2004. His entire 23-year career has been exclusively focused on qualified and non-qualified retirement plans.
He assists plan sponsors in fulfilling their fiduciary duties and improving retirement plan outcomes through a focus on liability control, plan committee and employee education, cost reduction, vendor management, and improvement of plan-related operations.
As an Accredited Investment Fiduciary®, he possesses an extensive knowledge of the investment monitoring and management process. He is committed to being a lifelong student of the industry and pursuing positive outcomes through rigorous monitoring and service delivery to his clients.
Jason received his B.A. from the University of Delaware and enjoys coaching youth sports and spending time with his family.
As both a Managing Partner and a Financial Advisor, Mike leads the team toward our long-term vision and works with a client base of business owners and high net worth individuals.
Mike has a BS in marketing from the University of Iowa and is a CFP® professional as well as Certified Exit Planning Advisor. Mike has his Series 6, 7, 63, and 24 licenses. In his free time, he enjoys hunting, fishing, golfing, and spending time at his family’s cabin. Mike is married with three daughters and is a proud board member for the Mahtomedi Area Education Foundation.
