# Terra Johnson

> Terra Johnson is a fee-only financial advisor at Pine Grove Financial Group in Minnetonka, Minnesota, who holds the CFP credential. Terra charges a percentage of assets (typically works with clients with $1,000,000 or more) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/terra-johnson/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Pine Grove Financial Group
- **Based in:** Minnetonka, Minnesota
- **Fee model:** Percentage of assets
- **Fees (firm's website):** typically works with clients with $1,000,000 or more
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.49B across 4,270 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Pension planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 5977205 (https://adviserinfo.sec.gov/individual/summary/5977205)
- **SEC registration:** Investment adviser representative in MN
- **Exams passed:** Series 63 (2012)
- **Firm size:** 24 employees
- **Disclosures:** None reported
- **Website:** http://www.pinegrovefg.com

## Frequently asked questions

### Is Terra Johnson a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Terra holds no broker registration, and Pine Grove Financial Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Terra charge for financial advice?

Terra charges a percentage of assets.

### How much does Terra charge?

According to Pine Grove Financial Group's website, checked October 30, 2026: typically works with clients with $1,000,000 or more.

### Where is Terra Johnson based?

Terra Johnson is based in Minnetonka, Minnesota.

### What does Terra specialize in?

Terra's specialties include retirement planning, tax planning, estate & legacy planning and pension planning. Terra works with retirees and pre-retirees.

### What credentials does Terra Johnson hold?

Terra Johnson holds the CFP credential.

### Is Terra Johnson registered with the SEC?

Yes. Terra Johnson is registered as an investment adviser representative in MN (CRD 5977205), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Pine Grove Financial Group manage?

Pine Grove Financial Group reports $1.49B across 4,270 accounts in assets under management.

### How do I contact Terra Johnson?

Through Terra's website, www.pinegrovefg.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5977205): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://pinegrovefg.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.