We firmly believe that the services we offer are only the beginning. It's not just about what we do, but how we do it that truly sets us apart.
While we have the resources and expertise of national firms in-house, we pride ourselves on being small enough to offer personalized service that caters to your unique needs.
With us, you'll experience the best of both worlds – the comprehensive capabilities of a large firm combined with the personal touch and attention to detail that only a smaller team can provide.
Positivity is one of my core values - I strive to find the silver lining and use that positivity as a catalyst to move things forward. It is amazing to see how a good attitude and a clear path forward can help people succeed.
As one of the owners and a Financial Advisor at Encore Financial, my specialization lies in financial planning, with a particular focus on understanding the tax impact on my clients' overall goals. I firmly believe that considering the tax implications is crucial to developing effective financial strategies. With over 15 years of experience in the financial industry, I have dedicated myself to providing comprehensive financial planning, investment management, tax preparation, and tax planning services to my clients.
Throughout my career, I have worked at JRA Financial, as well as Schlenner Wenner & Co. These experiences have allowed me to develop a deep understanding of the financial industry and refine my skills in serving clients effectively. I am a Certified Public Accountant® (CPA®) and most recently obtained the Behavioral Financial Advisor® (BFA®) designation, which gives me insight into the psychological aspects of finance and decision-making.
I’m originally from Russell, Minnesota, and currently reside in Hanover, Minnesota, with my wife, Kelly, and our two children, Taden and Anneka. Being a dad is the most rewarding (and challenging) job I’ve ever had…and I love everything about it! In the rare times I’m not soaking up time with my family, you can find me on the golf course, taking in a live concert, or sitting on the deck with a nice glass of Bourbon.
Without a doubt, my favorite role at Encore Financial is working with my clients. Being one of the people clients turn to for guidance and support is an honor, and I am so proud when our team can reduce some of their stress. There is no greater compliment than when a client says, "I feel like a weight has been lifted off me" at the end of our meeting.
I strive to learn from every situation, and one of the most valuable aspects of my work is the knowledge I gain from my clients. Each one has gifted me glimpses into their lives, which gives me a perspective that makes me a better person, and a better advisor. I can’t thank my clients enough for this invaluable gift.
My journey in the financial services industry began in 1993, where I had the privilege of working at JRA Financial Advisors for 25 years with a great team and great leadership. Now, as one of the owners and Financial Advisor at Encore Financial, I am honored to carry on the legacy while incorporating the talent of our current team to build a business that will help clients for generations to come.
Family is always my foundation - I would not be who I am, or where I am, if not for the patience, humor, tolerance and unwavering support of my husband Todd, kids Mitchel and McKayla, my parents, my brother and my in-laws. There is no word big enough to convey how truly grateful I am for the love and support of my family.
My path to a long-standing career in the financial services industry started with my passion for financial education and people. Understanding the process of building a sound plan, and how all of the pieces fit together, is critical to having the confidence to make good financial decisions. My clients teach me about themselves, and I in turn take their stories and align them with a financial planning design that is tailored to their specific goals and critical objectives. Partnering with people in this process, and ultimately seeing them succeed, brings me tremendous joy and pride.
Before establishing Encore Financial with my business partners, I spent over 20 years with JRA Financial Advisors. I built professional and personal relationships as I learned from some of the best in the industry. During my time there I earned numerous licenses and registrations, furthering my expertise in the field. After the company went through an ownership change, I decided to focus my strategic leadership skills on growing a team who will provide the same culture and overall service I was taught is so critical to client success.
Outside of my professional life, I cherish the time I spend with my family and all that comes with a busy household. I currently live with my husband, Clayton, our three children, Lavin, Quaid, and Kendrie, and our (high spirited) dog, Bowie. The day-to-day craziness that comes with a busy family grounds me and gives me a strong sense of purpose. When not being their personal Uber driver, or cheering them on in their sporting events, we love to travel and actively volunteer for local organizations near our community.
As one of the owners and a Financial Advisor at Encore Financial, I have specialized in tax and retirement planning. Understanding the complexities of taxes and planning for retirement allows me to create comprehensive strategies that help my clients achieve their objectives. With over 15 years of experience in the financial services industry, my primary responsibility is to provide excellent financial advice that aligns with my clients' goals.
I have a bachelor's degree in finance from St. Cloud State University, as well as a Certified Financial Planner™ (CFP®), Accredited Investment Fiduciary® (AIF®), and Behavioral Financial Advisor® (BFA®) designations.
My favorite part of the job is helping my clients' goals come to fruition. It is incredibly rewarding to play a part in their financial journey and see the positive impact my advice can have on their lives. Seeing the relief on a client's face when they are on the right path is truly fulfilling. I firmly believe that the greatest value I can provide for my clients is a holistic approach to their financial plan.
I live in New Hope, Minnesota with my wife, Amanda, and our two children, Tucker and Benson. When I'm not working, chasing kids around or knocking things off the proverbial "honey do" list, I can be found in the woodshop building something new.
Portfolio Manager, Financial Advisor
As a Portfolio Manager and Financial Planner at Encore Financial, my primary responsibilities revolve around handling portfolio management for the firm. This includes conducting investment research, developing models, managing risk, designing portfolios, and making tactical shifts as needed. Additionally, I provide comprehensive financial planning services to my clients, with a particular focus on retirement and goal-based planning. With over 20 years of experience in the financial services industry, I have developed a deep understanding of portfolio management and financial planning.
Throughout my journey in financial services, I have gained valuable experience working at esteemed institutions such as JRA Financial, US Bank Asset Management, and Thrivent. In 2004, I obtained the Series 7 and 66 securities licenses, as well as licenses for life and health insurance, further enhancing my expertise. Prior to beginning my career, I attended the University of Minnesota at Duluth.
What I find most fulfilling about my job is the perfect blend of rigorous research, number crunching, and analysis, coupled with the rewarding aspect of being an advisor. Seeing my research and recommendations positively impact people's lives is truly gratifying. I firmly believe in simplifying complex financial concepts and providing clarity to my clients, enabling them to make informed decisions. The challenge of tracking market movements and forecasting the direction of the economy is something I thoroughly enjoy. I actively make changes to portfolios to ensure they are optimally positioned for success. Witnessing individuals achieve their financial goals and attain financial independence brings me great satisfaction.
Outside of work, I reside in Maple Grove, Minnesota with my wife and our two children, Hana and Isaac. When I'm not serving my clients, I actively engage in community involvement. I currently hold the position of President at the Eagle Lake Preservation Association (ELPA) and serve as the Vice President of the Osseo Baseball Booster Club. In my free time, I indulge in my passion for woodworking, running my own business on the side. Specializing in hardwood gifts, crafts, and games, I take great pleasure in seeing my woodworking projects come to life. I also enjoy various physical activities like weightlifting, basketball, and volleyball. Additionally, I have a love for boating, playing music, and am an occasional golfer.
Andy Bell, CMT, CIMA® *
Portfolio Manager, Owner ShoresEdge Financial, LLC
I am proud to operate as a Portfolio Manager and Owner of Shores Edge Financial, serving as a Managing Member in association with Encore Financial. With over 15 years of experience in the financial services industry, I have dedicated my career to managing and constructing portfolios tailored to meet client's long-term objectives and risk tolerance. My primary responsibilities encompass a wide range of tasks, including portfolio management, portfolio construction, asset allocation, and tactical allocation. I specialize in managing, monitoring, and evaluating multi-asset portfolios that comprise equity, fixed income, and alternative investments.
Before establishing my role at Shores Edge Financial, I had the privilege of working at AdvisorNet Portfolio Partners, where I honed my expertise and developed a deep understanding of the financial landscape. In 2014, I achieved the esteemed Chartered Market Technician® (CMT®) designation, further enhancing my knowledge and skills in technical analysis. Additionally, in 2018, I obtained the Certified Investment Management Analyst® (CIMA®) certification, solidifying my proficiency in investment management.
My journey in the financial world began after attending Winona State University. Armed with a strong educational foundation and a thirst for knowledge, I embarked on a career driven by the challenge of solving the market puzzle. The ever-changing nature of the market motivates me to find innovative solutions for my clients, ensuring their financial success in an ever-evolving landscape.
Outside of my professional endeavors, I find joy in spending time with my loving family. I currently reside in Medina, Minnesota, alongside my wonderful wife, Jenny, and our twin girls, Tori and Lydia. In my leisure time, you'll often find me on the golf course, enjoying a game of pickleball, or engaging in any board or card game that requires strategy and competition.
*Not affiliated or registered with Osaic Welath, Inc.
Michelle Wayman, CPA*
Tax Advisor, TruNorth Tax, LLC
*Not affiliated or registered with Osaic Wealth Inc.
Nancy Freeman, EA*
Tax Advisor, TruNorth Tax, LLC.
*Not affiliated or registered with Osaic Wealth, Inc.
Client Service Administrator
*Not affiliated or registered with Osaic Wealth, Inc.