# Financial advisors for small business owners in Minnesota > For small business owners in Minnesota, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Brendan Roath of Money Matters, Inc., Amber FitzRysler of Rising Financial and Todd Moritz of White Turf Financial. Page: https://find.wellspent.co/specialties/small-business-owners/minnesota/ 78 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a small business owner in Minnesota? For small business owners in Minnesota, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Brendan Roath of Money Matters, Inc., Amber FitzRysler of Rising Financial and Todd Moritz of White Turf Financial. - [Brendan Roath](https://find.wellspent.co/advisors/brendan-roath/), Money Matters, Inc., Minnetonka. Holds the CPA, EA and CFP. Fees on file: percentage of assets. - [Amber FitzRysler](https://find.wellspent.co/advisors/amber-fitzrysler/), Rising Financial, Minneapolis. Holds the EA and CFP. Fees on file: ongoing planning fee, one-time planning fee. - [Todd Moritz](https://find.wellspent.co/advisors/todd-moritz/), White Turf Financial, St Paul. Holds the CPA and CFP. Fees on file: percentage of assets, ongoing planning fee. - [Bill Mulvahill](https://find.wellspent.co/advisors/bill-mulvahill/), Trailhead Planners, Edina. Holds the CPA and CFP. Fees on file: percentage of assets, hourly. - [Jack Zinser](https://find.wellspent.co/advisors/jack-zinser/), Fortress Financial Group, Rochester. Holds the CFP. Fees on file: percentage of assets. - [Mitchell Thompson](https://find.wellspent.co/advisors/mitchell-thompson/), MJT & Associates Financial Advisory Group, Montevideo. Holds the CFP. Fees on file: one-time planning fee. ## How many fee-only financial advisors in Minnesota work with small business owners? The Wellspent public graph lists 78 fee-only advisors for small business owners in Minnesota, at 30 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for small business owners in Minnesota located? Of the 78 fee-only advisors for small business owners in Minnesota, 23 are in Minneapolis, followed by 9 in Saint Paul and 8 in Bloomington. ## How do fee-only advisors for small business owners in Minnesota charge? The most common fee among fee-only advisors for small business owners in Minnesota is a percentage of assets, used by 94% of the 78 with fees on file. Many use more than one: 68% charge fixed fees and 31% charge by the hour. ## How much do fee-only financial advisors charge in Minnesota? Fee-only financial advisors in Minnesota charge a median of $2,100 a year for ongoing planning. We found this across the published prices of 16 Minnesota firms. ## How much does a one-time financial plan cost in Minnesota? A one-time financial plan from a fee-only firm in Minnesota has a median price of $1,200. We found this across the published prices of 13 Minnesota firms. ## What credentials should a financial advisor for small business owners have? For small business owners, look for the CPA, EA and CFP. In Minnesota, 59% of the 78 advisors listed hold the CFP. - CPA (4% of advisors listed): CPAs understand entity structure and business books. - EA (3% of advisors listed): Enrolled agents help with owner pay and business tax. - CFP (59% of advisors listed): The CFP keeps the business in the wider plan. ## How do Minnesota advisors for small business owners compare with the rest of the US? 31% of fee-only advisors for small business owners in Minnesota charge by the hour, compared with 48% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Minnesota tax income on top of federal tax? Yes. Minnesota has a state income tax, so a financial plan for a Minnesota resident should project it alongside federal tax. ## What should I ask a financial advisor as a small business owner in Minnesota? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How will you plan for Minnesota tax alongside federal tax? ## How current is this list of fee-only advisors for small business owners in Minnesota? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Amber FitzRysler](https://find.wellspent.co/advisors/amber-fitzrysler.md) | Rising Financial | Minneapolis, Minnesota | BA, CFP, EA | Ongoing planning fee, One-time planning fee | | [Jordan DeBoer](https://find.wellspent.co/advisors/jordan-deboer.md) | Calibration Financial | Milaca, Minnesota | AWMA, CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly, Percentage of assets | | [RJ Devick](https://find.wellspent.co/advisors/rj-devick.md) | Bond&Devick Wealth Partners | Saint Louis Park, Minnesota | BA, BFA, BS, CFP, Chartered SRI Counselor, ChFC, CRPC | Percentage of assets, One-time planning fee | | [Bill Mulvahill](https://find.wellspent.co/advisors/bill-mulvahill.md) | Trailhead Planners | Edina, Minnesota | CFP, CPA | Percentage of assets, Hourly, Fixed fees | | [Dana Menard](https://find.wellspent.co/advisors/dana-menard.md) | Twin Cities Wealth Strategies, Inc. | Maple Grove, Minnesota | CFP, RLP | Flat fee or retainer, Percentage of assets | | [Sarah Kang](https://find.wellspent.co/advisors/sarah-kang.md) | UAK Diversified Wealth Advisors | Minnetonka, Minnesota | CFP | Percentage of assets, Flat fee or retainer, One-time planning fee | | [Todd Moritz](https://find.wellspent.co/advisors/todd-moritz.md) | White Turf Financial | St Paul, Minnesota | BBA, CFP, CPA/PFS, CPA, PFS | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Janice Fier](https://find.wellspent.co/advisors/janice-fier.md) | Couloir Wealth Advisors, Inc. | Welch, Minnesota | CFP | Hourly, One-time planning fee, Ongoing planning fee, Percentage of assets | | [Brendan Roath](https://find.wellspent.co/advisors/brendan-roath.md) | Money Matters, Inc. | Minnetonka, Minnesota | CFP, EA, CPA | Percentage of assets | | [Daniel Heiar](https://find.wellspent.co/advisors/daniel-heiar.md) | Mindful Asset Planning | Apple Valley, Minnesota | | Hourly, Fixed fees | | [Lindy Venustus](https://find.wellspent.co/advisors/lindy-venustus.md) | Create, LLC | Bloomington, Minnesota | CFP | Ongoing planning fee | | [Mitchell Thompson](https://find.wellspent.co/advisors/mitchell-thompson.md) | MJT & Associates Financial Advisory Group | Montevideo, Minnesota | CFP | One-time planning fee | | [Aidan Ryan](https://find.wellspent.co/advisors/aidan-ryan.md) | Fortress Financial Group | Rochester, Minnesota | CFP | Percentage of assets | | [Bjorn Amundson](https://find.wellspent.co/advisors/bjorn-amundson.md) | Quarry Hill Advisors | St Paul, Minnesota | CFP | Percentage of assets | | [Cody Schaefer](https://find.wellspent.co/advisors/cody-schaefer.md) | Fortress Financial Group | Rochester, Minnesota | CFP | Percentage of assets | | [Jack Zinser](https://find.wellspent.co/advisors/jack-zinser.md) | Fortress Financial Group | Rochester, Minnesota | CFP | Percentage of assets | | [Taylor Harwood](https://find.wellspent.co/advisors/taylor-harwood.md) | Crane Capital Management | Spring Park, Minnesota | CFP | Percentage of assets | | [Jameson Holehouse](https://find.wellspent.co/advisors/jameson-holehouse.md) | Destiny Capital | Detroit Lakes, Minnesota | CFP | Percentage of assets, Flat fee or retainer | | [Matthew Berhow](https://find.wellspent.co/advisors/matthew-berhow.md) | All Star Financial | Minneapolis, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Robert Klefsaas](https://find.wellspent.co/advisors/robert-klefsaas.md) | All Star Financial | Minneapolis, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Bryan Vancura](https://find.wellspent.co/advisors/bryan-vancura.md) | GEN Financial Management | Plymouth, Minnesota | CFP | Percentage of assets, Fixed fees | | [Daniel Sullivan](https://find.wellspent.co/advisors/daniel-sullivan-6619911.md) | HighMark Wealth Management | St. Paul, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Edward Anderson](https://find.wellspent.co/advisors/edward-anderson.md) | Twin Arbor Wealth Management | Saint Paul, Minnesota | CFP | Ongoing planning fee | | [Eric Moleski](https://find.wellspent.co/advisors/eric-moleski.md) | GEN Financial Management | Plymouth, Minnesota | CFP | Percentage of assets, Fixed fees | | [Joshua Moklestad](https://find.wellspent.co/advisors/joshua-moklestad.md) | GEN Financial Management | Plymouth, Minnesota | CFP | Percentage of assets, Fixed fees | | [Julie Hetland](https://find.wellspent.co/advisors/julie-hetland.md) | Financial Planning Navigators | Maple Grove, Minnesota | CFP, ChFC | Percentage of assets, Fixed fees | | [Meghan Bohlke](https://find.wellspent.co/advisors/meghan-bohlke.md) | Financial Planning Navigators | Maple Grove, Minnesota | CFP | Percentage of assets, Fixed fees | | [Molly LaFleche](https://find.wellspent.co/advisors/molly-lafleche.md) | Financial Planning Navigators | Maple Grove, Minnesota | CFP, ChFC | Percentage of assets, Fixed fees | | [Noah Semmann](https://find.wellspent.co/advisors/noah-semmann.md) | GEN Financial Management | Plymouth, Minnesota | CFP | Percentage of assets, Fixed fees | | [Anthony Parr](https://find.wellspent.co/advisors/anthony-parr.md) | Parr McKnight Wealth Management Group | Minneapolis, Minnesota | CFP | Percentage of assets, Fixed fees | | [Brian McKnight](https://find.wellspent.co/advisors/brian-mcknight.md) | Parr McKnight Wealth Management Group | Minneapolis, Minnesota | CFP | Percentage of assets, Fixed fees | | [Cole Hystead](https://find.wellspent.co/advisors/cole-hystead.md) | Logan Park Wealth Management | Minneapolis, Minnesota | CFP | Percentage of assets, Fixed fees | | [Emily Noyes](https://find.wellspent.co/advisors/emily-noyes.md) | Parr McKnight Wealth Management Group | Minneapolis, Minnesota | CFP | Percentage of assets, Fixed fees | | [Eric Gardner](https://find.wellspent.co/advisors/eric-gardner.md) | All Star Financial | Minneapolis, Minnesota | CFA | Percentage of assets, Hourly, Fixed fees | | [Jeffery Sutton](https://find.wellspent.co/advisors/jeffery-sutton.md) | Logan Park Wealth Management | Minneapolis, Minnesota | CFP | Percentage of assets, Fixed fees | | [Joe Enzler](https://find.wellspent.co/advisors/joe-enzler.md) | Parr McKnight Wealth Management Group | Minneapolis, Minnesota | CFP | Percentage of assets, Fixed fees | | [John Rudi](https://find.wellspent.co/advisors/john-rudi.md) | Parr McKnight Wealth Management Group | Minneapolis, Minnesota | CFP | Percentage of assets, Fixed fees | | [Alexander Braun](https://find.wellspent.co/advisors/alexander-braun.md) | Financial Planning Navigators | Maple Grove, Minnesota | CFA | Percentage of assets, Fixed fees | | [Connor Oak](https://find.wellspent.co/advisors/connor-oak.md) | Crane Capital Management | Spring Park, Minnesota | | Percentage of assets | | [Debra Pladsen](https://find.wellspent.co/advisors/debra-pladsen.md) | Fortress Financial Group | Chanhassen, Minnesota | | Percentage of assets | | [Jacob Hagen-Erickson](https://find.wellspent.co/advisors/jacob-hagen-erickson.md) | Fortress Financial Group | Rochester, Minnesota | | Percentage of assets | | [Jacob Thibault](https://find.wellspent.co/advisors/jacob-thibault.md) | BGM | Bloomington, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Jon Meyer](https://find.wellspent.co/advisors/jon-meyer.md) | BGM | Bloomington, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Joseph Nicholas](https://find.wellspent.co/advisors/joseph-nicholas.md) | Fortress Financial Group | Rochester, Minnesota | | Percentage of assets | | [Katherine Frazier](https://find.wellspent.co/advisors/katherine-frazier.md) | BGM | Bloomington, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Luke Johnson](https://find.wellspent.co/advisors/luke-johnson.md) | Boreal Advisors | New Brighton, Minnesota | CFP | Percentage of assets, Fixed fees | | [Ross Gobel](https://find.wellspent.co/advisors/ross-gobel.md) | BGM | Bloomington, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Spencer Davies](https://find.wellspent.co/advisors/spencer-davies.md) | BGM | Bloomington, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [William Friederichs](https://find.wellspent.co/advisors/william-friederichs.md) | BGM | Bloomington, Minnesota | CFP | Percentage of assets, Hourly, Fixed fees | | [Allen LeMay](https://find.wellspent.co/advisors/allen-lemay.md) | Strong Tower Wealth | Minneapolis, Minnesota | | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 78. The full list, page by page: https://find.wellspent.co/specialties/small-business-owners/minnesota/?page=2 ## Related - [Retirement planning in Minnesota](https://find.wellspent.co/specialties/retirement-planning/minnesota.md) - [Estate planning in Minnesota](https://find.wellspent.co/specialties/estate-planning/minnesota.md) - [Retirees in Minnesota](https://find.wellspent.co/audiences/retirees/minnesota.md) - [Tax planning in Minnesota](https://find.wellspent.co/specialties/tax-planning/minnesota.md) - [Pre-retirees in Minnesota](https://find.wellspent.co/audiences/pre-retirees/minnesota.md) - [Executives in Minnesota](https://find.wellspent.co/audiences/executives/minnesota.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).