Your Path to Financial Success Starts Here
You’ve got dreams—maybe a stress-free retirement, a thriving business, or a secure future for your family. Whatever’s on your horizon, making smart financial choices can turn those dreams into reality. That’s where we shine. At Focal Point Financial Services, we’re your local financial advisor in White Bear Lake, Minnesota, and Monument, Colorado, with over 30 years of experience helping people like you build a brighter future. Serving Minneapolis, St. Paul, Minnetonka, and Denver, we create plans that fit your life like a glove. From retirement to insurance, we’re here to guide you with clear, honest advice. Let’s start shaping your success today.
Retirees (Age 65 and Older)
You’ve earned your retirement, and now it’s time to savor it. You want to travel, spend time with grandkids, or just relax without financial worries. As your financial advisor in MN & CO, we’re here to make that happen. If you dream of living your retirement years on your terms - our expertise turns that vision into reality.
Why Work with Us?
Our team helps you stretch your retirement savings with smart strategies, from optimizing Social Security to picking the perfect Medicare plan. We’ll craft a plan that lets you live your best life while preserving your legacy for the next generation.
Services for You
- Retirement planning
- Tax reduction strategies
- Medicare enrollment and supplements
- Estate planning
- Life insurance
Pre-Retirees (Age 50–64)
You’re closing in on retirement, and it’s exciting to think about what’s next—maybe more travel or time with family. You want to be ready, and we’re your financial advisor in Minneapolis to get you there. If you’re eager to embrace retirement with financial freedom - our guidance makes it possible.
Why Work with Us?
We’ll work with your investments, find affordable health insurance before Medicare, and help find solutions to reduce taxes so you can retire on your terms. Our fiduciary advice ensures every dollar works toward your dream retirement.
Services for You
- Retirement planning
- Tax reduction planning
- Health insurance (private plans, QSEHRA)
- Life insurance
- Investment Management
Small Business Owners (1–50 Employees)
Your small business is your pride and joy, and you want to keep your team happy while growing strong. A great benefits package can make your company a magnet for talent. As your employer benefits advisor in White Bear Lake, we’re here to help you shine. According to a 2023 Gallup study, 58% of employees cited better benefits packages as a primary reason for considering a job change, highlighting the critical role benefits play in retention. If you aspire to build a workplace where employees thrive - our plans make that a reality.
Why Work with Us?
We design affordable 401(k)s, Simple IRAs, and health plans like ICHRA to boost retention and morale. Our fiduciary expertise saves you time and money, letting you focus on building your business.
Services for You
- Employer solutions (401(k), Simple IRA, QSEHRA, ICHRA)
- Health insurance
- Tax reduction planning
- Business succession planning
Large Business Owners (50+ Employees)
You’re leading a growing company, and your team deserves benefits that match your vision. Competitive plans keep your workforce thriving and loyal. Our employer benefits advisor near you in Denver has the know-how to deliver. If you want to create a company culture that attracts top talent - our expertise helps you succeed.
Why Work with Us?
We create tailored 401(k)s, group health insurance, and wellness programs that attract top talent while staying compliant with federal rules. Our fiduciary approach ensures your benefits fuel your company’s success.
Services for You
- Group retirement plans
- Health insurance (group plans, QSEHRA, ICHRA)
- Disability and life insurance
- Benefits administration
Individuals Under 65 Needing Private Health Insurance
You’re charting your own path—maybe self-employed or retiring early—and you want health insurance that doesn’t drain your wallet. Finding the right plan is a game-changer. As your local health insurance expert in St. Paul, we make it easy. If you’re ready to live life fully with coverage you can trust - our advice gets you there.
Why Work with Us?
We compare MNsure and private plans to find quality coverage that fits your life. Our fiduciary team ensures you get the best value, so you can focus on what you love.
Services for You
- Health insurance planning (private plans, MNsure)
- Life insurance
- Financial planning
- Tax reduction strategies
Individuals Over 65 Needing Private Health Insurance
You’re embracing your golden years, and you want Medicare coverage that lets you live fully. Sorting through Part D or Medigap plans can be tricky, but we’re your Medicare advisor near you in White Bear Lake. If you dream of staying healthy and active with the right plan - our expertise makes it happen.
Why Work with Us?
Led by Char Pendergrass with annual Medicare certifications, we find plans that match your health and budget. Our fiduciary guidance saves you money and ensures top-notch care.
Services for You
- Medicare enrollment and supplements
- Health insurance planning
- Life insurance
- Estate planning
Families with Young Children
Your kids are your world, and you’re building a future they can count on—college, a home, security. Smart planning makes it possible. As your financial advisor in Minnetonka, we’re here to help. If you want to give your children every opportunity - our plans pave the way.
Why Work with Us?
We create life insurance plans for income replacement and 529 plans for college savings, ensuring your family’s dreams stay on track. Our fiduciary advice builds wealth for the long haul.
Services for You
- Life insurance
- Estate planning
- Education funding (529 plans)
- Financial planning
High-Income Professionals
You’ve worked hard to reach the top, and now you want your money to work just as hard. Big earnings mean big opportunities - and big decisions. Our financial advisor in Denver is your partner for success. If you’re ready to grow your wealth and live your best life - our strategies make it possible.
Why Work with Us?
We design tax-efficient investments and retirement plans to grow your wealth. Our fiduciary approach ensures your finances align with your ambitions, conflict-free.
Services for You
- Tax reduction planning
- Investment management
- Retirement planning
- Estate planning
Get Started Today
Your dreams are unique, and your financial plan should be too. At Focal Point Financial Services, we’re your local financial advisor in White Bear Lake, ready to help you succeed. Serving Minneapolis, St. Paul, Minnetonka, and Denver, our fiduciary team brings clarity to your finances. One client shared, “You gave us a plan we believe in - it’s changed everything.” That’s our goal for you. Contact us for a free consultation to find the right solutions for your future.
Call (651) 426-7375 or email us to book your appointment. Let’s make your financial goals a reality.