At EFS Advisors: The Stillwater Group, we pride ourselves in thorough and thoughtful financial plans, tailored to the unique needs of each of our clients.
By assessing current portfolios and understanding specific goals, we will partner with you to develop an actionable plan to fit your needs. We then work with you to ensure the plan we put in place is implemented, monitored regularly, and adjusted when necessary. In the rapidly changing and complex financial world, we can help you through many of the questions and challenges you may face. Through our fiduciary, fee-based model, our approach allows us the ability to guide you, every step of the way, as we work together toward the achievement of your goals.
To learn more about your financial future, schedule your complimentary consultation today.
It's your job to dream big; it's our job to help get you there.
With nearly 30 years of experience in the investment and retirement planning industry, Jim brings a wealth of knowledge to both his team and clients. His background in the financial services industry, combined with 24 years as an educator and principal himself, Jim does an exceptional job assisting his clients with their financial planning needs and goals. Not only does he understand the day-to-day challenges many clients face, but also how to financially plan for their futures, including educating clients in areas unique to those in the education field, such as 403(b)s and pensions.
Jim originally hails from the Iron Range in Northern Minnesota, where he was born and raised in Hibbing. A graduate of the University of St. Thomas, Jim earned both his Bachelor (Biology) and Master (Administration) degrees. He also holds his Series 6 and 63 registrations, as well as his Life and Health Insurance license.
Jim currently resides in Stillwater with his wife, Pat, whom he met in High School. They have two grown daughters and four grandchildren. In his free-time, Jim enjoys woodworking and educational professional development consulting.
Jim looks forward to and welcomes the opportunity to guide his clients through life's many financial decisions – the big ones, the small ones, and everything in-between.
A native of Stillwater, Jay graduated with a degree in Economics from St Olaf College in Northfield, MN. In addition to his college degree, he also completed his Certified Financial Planner (CFP®) Certification in 2015.
Prior to joining EFS Advisors in 2011, Jay spent nearly three years as an operations analyst for a management solutions company, where he fine-tuned both his analytical and problem-solving solving skills. Jay has carried over this knowledge to his role as a financial advisor and provides advice to individuals and families seeking a comprehensive financial investment strategy, helping them accomplish both short and long-term goals. Additionally, his extensive knowledge of TRA and pensions, Social Security, and multiple investment strategies, has allowed Jay to deliver tailored plans to his clients based on their unique investment goals.
Jay still resides in Stillwater, along with his wife Kali and two daughters — Sage and Poppy. When not busy at work, Jay also enjoys playing softball, volleyball, and participating in various other outdoor activities with his family and friends.
Charlie began his career in the financial services industry in 2010. He recently joined EFS Advisors, where he provides comprehensive financial advice to individuals and families, with an emphasis in retirement planning for educators. As a team member of The EFS Stillwater Group, Charlie’s extensive knowledge in fixed income product analysis and trading in taxable and tax-exempt securities has proven a great asset to not only his clients, but also his colleagues.
Born and raised in Minnesota, Charlie is a graduate of St. Olaf college where he received a degree in History. He also currently holds Series 66 and 7 registrations, as well as his Life and Health Insurance license.
Charlie and his wife, Nicole, currently live in Rogers, MN where they are busy raising their two young daughters — Charlotte and Keira. When he and his wife aren’t chasing around their children, Charlie also enjoys playing music and cheering on his two favorite Minnesota teams — the Vikings and the Wild.
The glue that holds our team together, Terri joined our office as the Office Manager in early 2015. Terri is originally from the Chisago Lakes area and comes to us with many years of administrative and operations experience. Her background is primarily focused in banking, most recently at Security State Bank of Marine. This experience makes her the perfect fit for both our office and clients alike.
Terri currently lives with her husband, Gregg, in Wyoming, MN, where they enjoy spending time with their two grown children. In her spare time, she enjoys digging into their new farmhouse renovations, gardening, fishing, and kayaking.
We have a passion for educating our clients and guiding them through life's many financial decisions.
Even with the best intentions, many people lack the time or knowledge to manage their finances in the way they would like.
That's what makes our approach unique; we work to be more than financial advisors. Specifically, we believe in being advocates for our clients throughout all of life's financial decisions - the big ones, the small ones, and everything in-between.
We cater specifically to individuals and those in the education field looking to be empowered to make decisions they can feel confident about - whether it be investments, retirement, or estate planning. With our extensive experience in the financial services industry and a well-grounded financial planning process, we are prepared to help you address your unique goals and needs for retirement.
Areas of specialization:
If you're looking to take charge of the many financial decisions you will make throughout your life, contact us today for a complimentary consultation.