Flat-fee financial advisors working with retirees in Red Wing, MN
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
When you’ve retired and are managing a fixed income, you need an advisor who understands how to stretch your savings without risking your lifestyle. The biggest mistake is treating retirement income like a paycheck instead of a carefully balanced cash flow plan.
- Tax-aware income planning. Look for advisors who consider Minnesota’s higher taxes and social services when mapping out your withdrawals.
- Flat-fee structure. This means you pay a set rate, which can simplify budgeting and avoid surprises during retirement.
- Longevity risk management. Ask how they plan for your money to last through potentially decades of retirement, not just the next few years.
- Coordination with benefits. Confirm they integrate Social Security, pensions, and other income sources into your overall plan, not just investments.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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John L
Series 65
Red Wing, MN
Excel Financial, LLC
John Loquai offers flat-fee financial planning services in Red Wing, MN, with 15 years of experience and a Series 65 designation, making him well-suited for retirees managing fixed incomes. His firm, Excel Financial, LLC, serves a diverse client base including high-net-worth individuals and pension plans, managing $333 million in assets with tailored investment programs, which may provide more comprehensive asset management compared to other advisors.
Experience: 15 years
Avg account: $723,574
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Timothy K
Series 63, Series 65
Red Wing, MN
Raymond James Financial
Timothy Kelly offers flat-fee financial planning tailored for retirees in Red Wing, MN, with 29 years of experience and expertise in general retirement planning and cash flow budgeting. Affiliated with Raymond James Financial, a large firm known for collaborative, non-discretionary consulting, he combines seasoned insight with a fixed fee structure, distinguishing him from advisors with different fee models or smaller firm affiliations.
Experience: 29 years
Avg account: $700,796
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Samuel C
Series 66
Red Wing, MN
LPL Financial
Samuel Caswell offers flat-fee financial planning in Red Wing, MN, with a focus on retirees and business owners' retirement plans, supported by his Series 66 designation and experience at multiple banks. Affiliated with LPL Financial, a large firm providing diverse investment solutions and in-house research, he combines personalized service with broad resources, distinguishing him from advisors at smaller firms or with different fee structures.
Experience: 2 years
Avg account: $399,489
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Thomas W
Series 63, Series 65
Red Wing, MN
Cetera
Thomas Wilder offers flat-fee financial planning tailored for retirees in Red Wing, MN, leveraging 42 years of experience and expertise in wealth management and retirement plans for business owners. His affiliation with Cetera provides access to institutional trust solutions and a broad client network, distinguishing him with a large-firm support system and flexible fee arrangements negotiated directly with clients.
Experience: 43 years
Avg account: $306,089
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Richard D
Series 63, Series 66
Red Wing, MN
Cambridge Investment Research Advisors
Richard Douglas specializes in retirement income strategy and works with retirees in Red Wing, MN, offering flat-fee financial planning that can simplify budgeting during retirement. With 29 years of experience at Cambridge Investment Research Advisors, a large firm serving diverse clients, he also integrates annuities and retirement plans for business owners, providing a broad approach compared to other advisors in the area.
Experience: 30 years
Avg account: $378,281
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