You want to make the most of your money without needing a finance degree just to understand your options. That’s where we come in.
At Focal Point Financial Services, financial planning isn’t about sales quotas or pushing products. It’s about building a real relationship - one that helps you make clear, confident decisions with your money now and long into the future. Financial planning is the foundation for turning your dreams into reality through the careful management of your finances. It’s more than just investing - it’s a comprehensive process that includes budgeting, saving, retirement planning, insurance, tax strategies, and debt management. Our financial planning services adapt to your unique journey.
Based in White Bear Lake, Minnesota, and Monument, Colorado, we serve clients across the Twin Cities - including Minneapolis, St. Paul, and Minnetonka - as well as the Denver area. As an independent, fiduciary firm with experienced financial advisors, we are here to help you set financial goals and create a personalized plan tailored to your unique needs. Let us partner with you to secure your financial future.
Services
Financial Planning
Retirement Planning
Estate Planning
Employer Solutions
Tax Reduction Planning
Insurance
What Is Financial Planning?
Financial planning at Focal Point Financial Services is a detailed, hands-on process.
We begin by analyzing your income, expenses, assets, and debts to get a clear picture of where you stand today. From there, we build a customized strategy that fits your specific situation, such as preparing for retirement, growing your investments, or securing your family’s financial future. You’re part of the process every step of the way, ensuring the plan reflects your priorities.
Independent Advice That Puts You First
We’re fiduciaries, which is a fancy way of saying we’re legally and ethically committed to putting your best interests ahead of anything else. Here you'll find independent, practical advice with clear disclosure of commissions and conflicts of interest from experienced financial planners who want to see you succeed.
We get to know your goals, your family, your values - and then we help you build a plan to support them.
What You Can Expect From Working With Us
When you sit down with us (or hop on a Zoom call), there’s no pressure, no rush. We’ll talk through your current financial picture, your concerns, and your priorities, then design a strategy that adjusts as your circumstances change. That includes:
- Saving and spending habits
- Budgeting and cash flow
- Retirement savings strategies
- Tax-smart investing
- Debt repayment plans
- Planning for big life moments (like college, weddings, or buying a cabin up north)
Bring your questions. Bring your statements. Bring your worries. We’ll make sense of it together. Our independence means we’re free to recommend what’s best for you, not what benefits a parent company. We see financial planning as a lifelong partnership, dedicated to your plan and goals. From the moment you choose us, we strive to keep you moving forward, adapting your strategy as your life evolves.
We work with retirees, business owners, and individuals needing insurance advice, simplifying the complexities of money management. Regular updates and open communication keep your plan on course, whether you’re tackling debt, growing wealth, or safeguarding assets.
Planning for Your Whole Life - Not Just Retirement
Too many financial advisors only show up when retirement is on the horizon. We take a different approach. We look at your full financial life, across every stage:
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Building an emergency fund and balancing your bank accounts when you're just starting out
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Growing an investment portfolio as your income and responsibilities grow
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Adjusting your asset allocation based on your risk tolerance and life goals
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Planning for education, home buying, and other major expenses
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Managing your wealth to support your own retirement and your legacy beyond it
The plan evolves with you. You don’t need to have everything figured out - you just need to take the next step.
Retirement Planning With Less Guesswork
There’s a common saying: "The best time to plant a tree was 20 years ago. The second-best time is now."
That’s how we think about retirement planning.
Your 401(k) is a start, but it's just one part of a bigger picture. We look at everything: IRAs, pensions, Social Security strategies, healthcare costs, and long-term care options. We'll help you decide when and how to retire based on what you really want from this next chapter of life.
We also offer expert Medicare guidance when the time comes, so you won’t feel lost in the federal government agency maze.
Taxes, Investments, and the Fine Print
Yes, we do all the "money stuff." Investment advice. Tax advice. Asset management. But the value comes from how we connect it all into one plan that works together. No silos. No missing pieces.
Smart investing means more than chasing returns. It’s about aligning your investments with your financial goals, using strategies that help reduce potential risks, balance taxes, and grow your wealth steadily over time.
We’ll help you build and manage an investment portfolio designed around your long term financial goals, income needs, and personal comfort with market ups and downs. And when the markets throw a curveball, we’re just a phone call away.
Insurance and Protection, Without the Pitch
We don’t lead with insurance, but when it’s part of the right plan, we know how to get it right.
We can walk you through term life insurance, long-term care planning, and other options that help protect your family, your assets, and your peace of mind. No pressure. Just straightforward help making sure you're covered where it counts.
Debt, Budgeting, and Day-to-Day Finances
The fancy term is "cash flow planning." We call it helping you stay sane.
Whether you’re trying to manage credit cards, pay down a mortgage, or just want to know where your money is going every month, we’ll help you create a plan you can stick with. That might mean consolidating loans to get a lower interest rate, or setting a budget that finally includes that travel fund you’ve been putting off.
This isn’t about restriction. It’s about clarity.
Who We Serve
Most of our clients are based in Minnesota (White Bear Lake, Minnetonka, Minneapolis, St. Paul) and Colorado (Denver and surrounding areas), but we’re licensed throughout the United States. We work with retirees, pre-retirees, business owners, and anyone ready to take a more thoughtful approach to their finances.
Some come to us with spreadsheets. Some just bring a shoebox full of statements. Either way, we start from where you are.
Why Choose Focal Point Financial Services?
Choosing a financial planner is a big deal. You want someone who listens, who gets it, and who helps you make smart, long-term decisions without overwhelming you with jargon or pressure. That’s us.
Jason Hedstrand leads our team with decades of real-world experience and a steady hand. As a registered investment adviser, he brings clarity and confidence to the process, with the kind of independent, fiduciary guidance that’s centered on your financial goals—not ours.
We’re in it for the relationship. The better we know you, the better we can help you manage your money, your investments, and your future.
Here’s what makes us different:
Proven Expertise
Our advisors bring years of experience and national recognition to every plan - inside and outside the industry, including Olympic-level performance and awards from top financial groups..
Independent and Fiduciary Advice
We’re not tied to any financial companies. As fiduciaries, we offer investment advice that puts your interests first - always.
Personalized Solutions for Real Life
Your plan should fit your life. We help you manage debt, saving goals, and retirement planning in a way that reflects your life stages.
A Comprehensive View
From tax advice to term life insurance, we connect every piece of your financial life into one clear strategy that helps grow and protect your wealth.
Local Roots, Big Reach
Based in White Bear Lake and Denver, we offer the personal support of a local firm with the reach and experience to guide clients nationwide.
Our Planning Process
Planning your financial future doesn’t have to be a mystery. We keep things simple, clear, and focused on what really matters: you and your goals. Here’s how we move from "where do I start?" to "I’ve got a plan."
Start with a free consultation
A free intro meeting to understand your goals, priorities, and concerns.
We review your accounts and timeline
We look at your income, savings, debts, and family needs.
We create a custom plan for you
A clear plan that fits your life and adapts when life changes.
You decide what to implement
We help implement your plan––from investments to insurance.
We stay with you
Because your plan should grow as your life does.
The Value of Ongoing Partnership
Financial planning isn’t a one-off task—it’s a relationship. As your life changes, we refine your strategy, from job shifts to family milestones. Regular reviews keep your investments and budget aligned with your goals, offering support for long-term success.
Let’s build a plan that protects your wealth, supports your family, and secures your future. Bring your questions. We’ll bring the coffee.
