Our Team

About Jim Johnson

Jim hails from the Iron Range of Northern Minnesota, born and raised in Hibbing. Jim is a 30+ year veteran of education as a teacher and principal so he understands well the financial and planning needs of educators. Jim has over 20 years experience in the investment and retirement planning business and brings a wealth of experience to assist Education Minnesota members with their financial planning needs and objectives. His commitment to members is exemplary service along with excellent products and programs. Jim and his wife, Pat, live in Stillwater. He enjoys woodworking and educational professional development consulting. Jim looks forward to and welcomes the opportunity to guide his clients toward a secure financial future.

About Jay Higgins

Jay, a native of Stillwater, graduated with a degree in Economics from St. Olaf College in Northfield. He spent two and a half years as an operations analyst at a management solutions company, prior to joining EFS in 2011.

In his role as an EFS Financial Advisor, Jay provides advice to individuals and families seeking a comprehensive financial investment strategy, encompassing both short and long term goals. Using his knowledge of TRA, social security, and various investment strategies, he works with his clients to tailor plans according to their individual investment goals.

Jay enjoys playing softball, volleyball and participating in various outdoor activities with his wife and daughter. They currently reside in Stillwater. Jay enjoys the opportunity to help members plan for their financial future.


Terri Chartrand




Our administrative assistant, Terri Chartrand, joined our office in early 2015. Terri grew up in the Chisago Lakes area and comes to us with many years of administrative and operations experience. She has worked primarily in banking, most recently at Security State Bank of Marine. Terri enjoys doing home renovations, gardening, fishing, and kayaking. Terri and her husband live in Wyoming and have two grown children. Terri will be in our office Tuesday thru Friday each week.