Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Credentials
ChFC®, Series 63
Experience Industry experience
40 years
Location
Miler, SD
Calton & Associates, Inc.
Multi-team
Joann Morford is a ChFC® with 40 years of experience in the financial industry. She has been with Calton & Associates, Inc. since 2019, following 16 years at Capital Financial Services, Inc. Outside of her advisory role, she serves as a director of the Dakota Energy Co-operative, Inc., a rural electric cooperative. Calton & Associates provides portfolio management, financial planning, and retirement plan consulting to individual investors, trusts, estates, and retirement plans. The firm offers a variety of program structures and incorporates both discretionary and non-discretionary management tailored to client goals and risk tolerance.
Based on Calton & Associates, Inc.
Based on Calton & Associates, Inc.
Financial planning services may be charged a flat fee, negotiable; retirement plan consulting may be charged a flat fee up to $50,000
Up to 2.60% annually (negotiable by client and IAR)
Commission charged on securities and insurance products purchased and sold; separate from advisory fees
Financial planning and retirement plan consulting services may be charged hourly up to $500/hour
Performance-based fees charged for certain clients generally with net worth over $2,200,000 or at least $1,100,000 assets; fixed fee up to 25% of account balance quarterly in advance plus performance fee up to 10% of net increase charged quarterly in arrears
Account minimum: $50,000 Fee-only: Investment advisory fees based on assets under management up to 2.60%, negotiable; financial planning fees charged as flat fee or hourly, negotiable; retirement plan consulting fees charged as flat fee, AUM percentage (up to 1.5%), or hourly (up to $500/hour)
Miler, SD
Miler SD
Advisors at this office
1
South Dakota
40 years of industry experience
Calton & Associates, Inc.
2019 - Present • 7 years
Miller, SD
Capital Financial Services, Inc.
2003 - 2019 • 16 years
Minot, ND
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 63, Series 65
Miller, SD
LPL Financial
Scott Schlisner is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 21 years of industry experience. His career includes roles at Waddell & Reed, Inc. and various insurance agencies, as well as ownership of Schlisner Farms, a family business active since 1992. He is also affiliated with Dakota State University and AG Drainage LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.
Series 66
Miller, SD
LPL Financial
Keaton Nighbert is a financial advisor at LPL Financial with a Series 66 credential and two years of industry experience. Prior to joining LPL Financial, he held roles at WalMart, Red Horse Seed Production, One Stop, Trinity Lutheran, and Madison Middle/High School. He is also involved with Crump in a non-variable insurance capacity. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of strategic and tactical investment options.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")