Pitzl Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Pitzl Financial provides investment management and financial planning to individuals, trusts, charitable organizations, businesses and qualified retirement plans, managing roughly $498 million for about 394 clients with a four-person advisory team. Services include discretionary portfolio management, written financial planning delivered through a customized "Financial Playbook," and consulting on tax, estate, insurance and retirement matters.
The firm’s investment approach is rooted in Modern Portfolio Theory and a long-term, buy-and-hold orientation, emphasizing diversified, passively managed asset-class mutual funds—primarily funds offered by Dimensional Fund Advisors—supplemented with ETFs or individual securities when appropriate. Pitzl Financial uses portfolio modeling and Monte Carlo analysis to set allocations, conducts periodic (at least quarterly) reviews, and may delegate management of laddered fixed-income portfolios to a third‑party fixed income manager under discretionary authority.
A noteworthy operational feature is the firm’s affiliation with the accounting firm Pitzl & Pitzl, PA; the brochure discloses reciprocal referrals, conflict‑of‑interest mitigation, and that the adviser may, at its discretion, pay tax-preparation fees for clients who use that CPA, while clients remain free to use other providers. The firm also contracts with Focus Partners Advisor Solutions for trade processing, reporting and fixed-income sub‑advisory services, and offers a cash-aggregation service (Flourish Cash) alongside its Financial Playbook, which together shape its implementation and back‑office model.
Client services
Expertise
Fee options
Financial planning fixed fees typically range from $1,500 to $5,000 depending on complexity
$0 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.50% $10,000,001+: 0.25%
Approximately $300 per hour for financial planning services
Fee-only: Financial planning hourly fees generally $300/hour; fixed fees typically $1,500 to $5,000
Main office
8 Pine Tree Drive, Suite 125
Arden Hills MN 55112
Advisors at this office
4
Most active in
Colorado · Florida · Minnesota · Texas · Wisconsin
Also doing business as
Pitzl Financial · Pitzl Financial, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Joseph P
CFP®
Arden Hills, MN
Pitzl Financial
Joseph Pitzl is a CFP® professional with 12 years of experience in financial advising. He has been with Pitzl Financial, LLC since 2014, where he is one of three advisors at the firm. Pitzl Financial, LLC provides discretionary investment management and financial planning services to individuals, trusts, charitable organizations, businesses, and qualified retirement plans, serving both standard and high-net-worth clients. The firm employs a long-term, asset-allocation strategy based on Modern Portfolio Theory and uses passively managed mutual funds, ETFs, and model portfolios, supported by an integrated adviser, accounting, and technology operating model.
Andi L
CFP®
Arden Hills, MN
Pitzl Financial
Andi Long is a CFP® professional with three years of industry experience, currently serving as a financial advisor at Pitzl Financial since 2023. Prior to joining Pitzl Financial, Long worked at Cornerstone Wealth Advisors and Centier Bank and also spent time at Purdue University. Pitzl Financial provides investment management and financial planning services to individuals, trusts, charitable organizations, businesses, and qualified retirement plans. The firm emphasizes a long-term, diversified investment approach using primarily passively managed mutual funds, supported by portfolio modeling and Monte Carlo analysis, and offers customized financial planning through its "Financial Playbook."
Richard H
CFP®, Series 63, Series 65
Arden Hills, MN
Pitzl Financial
Richard Hall is a CFP® professional with 27 years of industry experience. He has worked at Pitzl Financial since 2018 and previously spent nine years at Merrill. Pitzl Financial provides investment management and financial planning services to individuals, trusts, charitable organizations, businesses, and qualified retirement plans. The firm emphasizes a long-term, buy-and-hold investment approach rooted in Modern Portfolio Theory, using diversified, passively managed asset-class mutual funds supplemented by ETFs or individual securities, supported by portfolio modeling and Monte Carlo analysis.
Justin G
CFP®
Arden Hills, MN
Pitzl Financial
Justin Gabriel is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Pitzl Financial, LLC since 2018. His prior work includes roles at Whiskey Jacks Saloon, The Wisconsin Athletic Department, Community First Credit Union, The University of Wisconsin-Madison, and The Sullivan Group, LLP. Pitzl Financial, LLC provides discretionary investment management and financial planning to individuals, trusts, charitable organizations, businesses, and qualified retirement plans, serving both standard and high-net-worth clients. The firm employs a long-term, asset-allocation strategy based on Modern Portfolio Theory, primarily using passively managed mutual funds, ETFs, and model portfolios, and integrates advisory services with accounting and third-party partnerships.
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