FOSTER KLIMA & COMPANY - Key Persons
Carmen began her career in 2017 in financial services as a financial representative and joined Foster Klima in 2019 as a Disability Income Specialist. Her time as a financial representative has leaned itself to collaborating with agents to understand their clients' financial goals and educate how disability insurance lays the foundation to a well executed financial strategy. In the role of DIS, Carmen provides case design and analysis, plan comparisons and client support.
Job Titles:
- Disability Income Specialist
Dale Forsythe, graduate of Mankato State University, is currently a Disability Specialist, having 12 years of advanced disability underwriting experience with Guardian, and was chief disability underwriter with them. He worked for Minnesota Mutual for 3 years in advanced DI underwriting and helped set up and train an underwriting team. He has been with Foster Klima as the DI Specialist since 2001. Dale does case analysis and design, product and plan comparisons, provides marketing support, and helps get cases through underwriting and much, much more.
Dale Forsythe, Disability Income Specialist, Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Foster Klima & Company, Inc is not an affiliate or subsidiary of Guardian.
Cash flow is a critical element to everyone's finances. With so many competing priorities for where money can go, Dave helps people ensure their cash flow remains uninterrupted during their working years, as well as in retirement so they can confidently enjoy life the way they want to.
There are many different strategies involving the proper balance between investments and protection that have a major impact on cash flow today and the future. Dave helps people find the balance that's perfect for them.
Doug began his career in 1981 as a financial advisor building wealth accumulation plans with his clients. He came to Foster Klima in 1988, became a partner in 1999, and purchased the company in 2001. As CEO, Doug works with his leadership team to continually keep the firm relevant in the ever-changing financial services industry. When he's not working, you will find him spending time with his wife & children on the river boating, at home watching a good movie, or giving tractor rides to his 6 grandchildren.
Job Titles:
- Financial Advisor
- President
- CERTIFIED FINANCIAL PLANNER
Dustin J. Peltier is a Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ professional and President of Well-Being Wealth Strategies, a specialty financial planning firm located in Minneapolis. As a financial advisor with Foster Klima since 2005, he is dedicated to learning about your personal and professional goals. While working as a team, Dustin will help you build a tailored financial plan that is focused on your specific situation at each stage of your career. Dustin's goal is to provide you with all the information you need to make educated and accurate decisions to protect your income, grow your wealth and live confidently.
Since 2010 Dustin has been the endorsed Disability Insurance Agent at the University of Minnesota, School of Dentistry. He has subsequently become the endorsed agent in the University of Minnesota Medical Residency programs as well. Dustin works with clients across the country, many of whom are dental or medical professionals and small business owners. Regardless of their location, due to his diligence and technology, Dustin has built lasting relationships with his clients.
Born and raised in Minnesota, Dustin attended the University of St. Thomas in St. Paul where he earned a bachelor's degree in Entrepreneurship. Dustin has since earned the CERTIFIED FINANCIAL PLANNER™ designation as it is the gold standard in personal financial planning and is a member of the Financial Planning Association of Minnesota. Dustin spends his free time with his wife, Allyson, and two young daughters, Ava and Harper. He also enjoys traveling, sports, and weekends at the family cabin in Northern Minnesota.
For over 15 years, Ernest Draper has provided financial advice to individuals, families and business owners. He specializes in innovative investment strategies and wealth preservation products. Known for taking a genuine and empathetic interest in the lives of his clients, Ernest brings a personal touch to the planning process. As a CERTIFIED FINANCIAL PLANNER ™ (CFP®) Ernest has the training, knowledge and experience to understand complex planning strategies and techniques facing many successful people and their families.
Ernest received a Bachelor of Science in Finance and Marketing from Bethel University. He also holds numerous licenses, as well as the FINRA Series 6 and 63 registrations held with Park Avenue Securities, LLC.
Ernest and his wife Renae reside, in Lakeville with their two daughters Shayla and Alisha.
I joined Foster Klima & Company with a mission to bring financial balance to my clients' lives and/or their small businesses through macro planning with uncommon thinking and a holistic approach. My passion is to educate my clients on how to maximize their potential wealth by managing their money in a more efficient way with possible less risk. By doing so, my clients can continue, in retirement, to live financially free and with abundance. My previous experience as a Licensed Social Worker has helped shape my business. I possess skills to make my clients comfortable in talking about their financial world. I enjoy working with people who care about their future and their loved ones along with my niche of working with the Physicians, Veterinarians, LGBTQ community, women in transition and small business owners.
Jean Hegarty and her team's primary focus centers on the client - consultant relationship. The foundation to any successful employee benefits program is a trust-based relationship, which is strengthened by a genuine commitment to service and always keeping the client's best interests in the forefront. We are committed to building meaningful relationships built on trust and integrity; assisting employers to achieve their employee benefits goals by providing time-tested strategies. For three decades, Jean has gained a reputation as a valued consultant to her clients and colleagues. Jean joined Foster Klima & Company as an employee benefits consultant in 2000 with extensive experience serving the corporate sector throughout Minnesota. Prior to joining Foster Klima & Company, she served 20 years with The Principal Financial Group focusing in strategic areas of client relationships, employer-sponsored retirement plans and employee benefit programs.
Jean received the prestigious Twin Cities Business 2012 FIVE STAR Business Insurance and Benefits ProfessionalSM Award. She is honored to have received this award three consecutive years. The Twin Cities Business 2012 FIVE STAR Business Insurance and Benefits ProfessionalSM Award 1 constitutes small business, independent consumer-based research which cites nine areas of excellence: customer service, integrity, knowledge and experience, employer communication, employee communication, offers a variety of options, quality of recommendations, post-sale service and overall satisfaction. Learn more about our firm, visit www.hcgbenefits.com
Jim's passions are raising his six children with his lovely wife, Tanja, and aiding his clients in achieving their financial dreams while leaving a legacy for their loved ones. Having been in the business since 1990, Jim's experience consistently aims to help his clients achieve stability and growth. When he is not at the office, Jim enjoys being outdoors and doing anything from hiking, canoeing, and camping to building fences on the family farm.
While working almost exclusively with the medical community for nearly a decade, Joe and his business associate Donny Beattie have gained a unique understanding and keen knowledge as to the problems, concerns and frustrations that physicians face.
Job Titles:
- Registered Representative
Integrity, leadership, responsibility, and selfless sacrifice are the values branded into my heart which I carry everyday with me. I have a deep interest in creating, planning, and executing financial guidance and stability for my clients. My clients enjoy working with me because of my consistent action in keeping up-to-date with them regularly, being detail oriented, and becoming more than just a financial planner, but becoming a trusted resource.
At the age of 17, I enlisted in the United States Army Reserve and was deployed overseas in support of Operation Enduring Freedom conducting missions in Afghanistan, Kuwait, and the United Arab Emirates. With my experience in the Army, I have refined my dedication, loyalty, and unwillingness to fail at any given task.
For over 20 years as a Financial Advisor, John's goal has been to develop trusting relationships with business owners, individuals, and their families. He is able to accomplish this by creating solutions that will assist them in the accumulation of wealth and the protection of that wealth. John's focus is on educating his clients on how to appropriately plan for their future.
John is a recipient of the Leaders Club Award and is a member of the National Association of Insurance and Financial Advisors (NAIFA). He is also a member of AALU and Twin Cities FSP.
In his free time John enjoys spending time with his family and playing the occasional round of golf. John is a graduate of St. Thomas with a degree in Finance.
Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. THE JACOBSON GROUP INC is not an affiliate or subsidiary of PAS or Guardian.
With over 20 years as a Financial Representative, Jon is committed to providing each of his clients with strong, successful financial solutions that are individually tailored to their particular needs and goals. Whether you are concerned for your own financial needs, those of your family, or your business, he can help you identify your needs and provide complementary solutions. His mission is to develop enduring relationships with his clients by providing respectable guidance for a lifetime of financial stability. Backed by the strength of Foster Klima & Company, Jon will provide you with a balanced approach to achieving your goal of financial independence, assuring that your intentions have been understood and your needs are being addressed. When it comes to implementing solutions, the full capabilities of Foster Klima are leveraged to provide you with exclusive access to a comprehensive variety of products and services.
Born in Minneapolis, Minnesota Jon is a graduate of Colorado College with a degree in political science and mathematics. He currently resides with his wife and two children in Edina, Minnesota. When he is not helping his clients achieve financial stability Jon enjoys golf, travel, theater, sporting events and most importantly, spending time with his family.
Jonathan builds relationships with his clients based upon what is important to them. He works together with his clients to develop and implement strategies that reflect their priorities and values. Through education he is able to help improve people's lives by helping them to improve and maintain balance in their financial world.
>Throughout Jonathan's 20 year history in Financial Services Jonathan has been fortunate enough to be mentored by his father-in-law. In his leisure time Jonathan enjoys spending time with his wife and kids, coaching hockey, golf, participating in fantasy sports, and cooking.
I am a born and bred Minnesotan and I owned my dental practice for almost 20 years. During that time, I cared deeply about the individuals and families I served and ensured that they maintained excellent physical health. Now, I help my clients maintain their financial health.
Personally, I believe the IRS tries really hard to take the fun out of being successful. They create obstacles to get in our way, whether we are growing our money or trying to maintain our money. But certainly, and I believe more critically, they create obstacles when it's time to use our money.
That's really where my focus is, and because of that I believe that successful individuals and families deserve the opportunity to get their money off the radar screen of the IRS. So that when it is time to use it, they are exempt from both Federal and State income taxes regardless of income level or state in which they reside.
Josh attended the University of Minnesota-Duluth on a Division I hockey scholarship before transferring his junior year to Concordia College in Moorhead, MN. Josh was the Captain of the hockey team and received a degree in Business Administration. Josh is the owner of Josh Arnold & Associates, Inc and has been employed by Foster Klima since October, 2000.
Josh and his wife Margo reside in Moorhead, MN and have three sons, Jack, George and Will. Outside of work, Josh enjoys spending time with his family, hockey, golfing, fishing and hunting.
Registered Representative of Park Avenue Securities LLC (PAS). OSJ: 920 2ND AVENUE SOUTH, SUITE 1100, MINNEAPOLIS MN, 55402, 612-7462200. Securities products offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. JOSH ARNOLD & ASSOCATES INC is not an affiliate or subsidiary of PAS or Guardian. California LIC #0H89019.
Linda Bartlett entered the financial services industry in 1990. During her career, she has earned the Chartered Life Underwriter® designation from the American College in Bryn Mawr, Pennsylvania. A Past President of Twin Cities FSP® and NAIFA® Minneapolis, Co-chair of Minnesota Business Ethics Award™ 2009 and 2010.
In her current role as Vice President, Life Specialist, Linda is responsible for producer sales support as well as product training and support.
Job Titles:
- Director of Information Technology
Graduate of NEI College of Technology. With over 26 years' experience in Information Technology management. Matt is dedicated to providing industry leading solutions, strategies, products, and support to the producers and staff of Foster Klima. In his free time he enjoys being with his three kids, and working on his 65 Mustang.
Matthew J. Hermann is a 2007 graduate of North Dakota State University with an undergraduate degree in Business Administration-concentration in Finance.
Soon after graduating, Matt joined Foster Klima & Company, Inc as a Financial Representative and began focusing his time on offering financial products and services for young professionals, families and small business owners. Through a strategic process of helping minimize risks and build wealth, Matt successfully helps to protect his client's finances while helping to efficiently expand their wealth potential. He enjoys spending time with family and friends, hunting, fishing, golfing, and coaching wrestling.
Mike has 16 years of experience in the financial services industry. He takes great care guiding clients through the complex world of investing. He educates them on the efficiency of money, builds an understanding of financial situations, and ensures clients receive maximum benefits from assets.
Mike attended the University of Minnesota and was a business owner prior to joining Foster Klima. He has been honored with the New Associate Leader Award, Leader's Club Award, Best of the Best Financial Advisors*, and Annuity Circle of Excellence. Mike is a member of Rotary International and volunteers with the Bridges Youth Mentoring Program.
Mike lives in Prior Lake, MN, with his wife Deana and three children, Landon, Benjamin, and Emerald. His hobbies include golf, boating, photography, skiing, cooking, and family travel.
Since 2007, Nick has spent his career in the financial services industry. During that time, he has been dedicated to building his skills and knowledge through studying and researching traditional planning and wealth management. Through his studies and real-life experiences, he has discovered a number of pitfalls to traditional financial thinking. He believes we need to challenge the status quo. We need to challenge what we have been taught to think and what we have been told is true.
Nick is very dedicated to his profession and community. He is an active member of the National Association of Insurance and Financial Advisors (NAIFA) and has served on the Board of Directors since 2012. He has served as President of NAIFA three times in 2014, 2017, and 2018. He earned is Life Underwriters Training Council Fellow (LUTCF) designation through the American College in 2014. Nick also serves on the Board of Directors for the Dodge County Youth Hockey Association. In addition, he is currently an active member of Pheasants Forever, National Wild Turkey Federation, Ruffed Grouse Society, and the Rochester Area Builders.
Nick currently resides in Kasson, MN with his wife Ashly and two boys Braden and Keegan. Away from the office you will find him at the hockey rink coaching youth hockey, or somewhere enjoying the outdoors.
Born and raised in Minneapolis, Pamela has over 30 years of financial experience coming from a variety of industries. She is responsible for providing financial and HR functions along with offering service and support to producers to help them succeed.
Pamela is inspired daily by her husband, Matt, and her son, Carson. Besides spending time with her family, she loves time with her dogs and being active outdoors.
Pamela Brown joined Foster Klima & Company in July 2012 as the Controller. Born and raised in Minneapolis, she has over 20 years of financial experience coming from a variety of industries. She is responsible for providing financial...
Job Titles:
- Associate General Agent, President
After serving in the United States Air Force, Scott entered the financial services industry in May 1987. Aside from continuing to serve his clients as a Financial Advisor, Scott has held several leadership roles throughout his career encompassing recruiting, training, and development. During his career, he has earned designations from the American College in Bryn Mawr, Pennsylvania for Chartered Life Underwriter, Chartered Financial Consultant, Chartered Advisor of Senior Living and Retirement Income Certified Professional. He is a Life and Qualifying Member of the Million Dollar Round Table. He is also a member of NAIFA and Finseca.
After serving in the United States Air Force, Scott entered the financial services industry in May, 1987. During his career, he has earned designations from the American College in Bryn Mawr, Pennsylvania for Chartered Life Underwriter...
Shawn Lemp has more than 30 years of experience in wealth management and life insurance services. He serves as a financial advisor to individuals and families, as well as owners of privately held businesses, providing comprehensive, well-balanced solutions to help ensure the growth and protection of their financial assets.
Shawn provides financial planning to individuals and families to help protect their current and future well-being, including:
Wealth accumulation and management
Retirement and estate planning strategies
Life, disability, and long-term care insurance
He also offers financial advisory services to small-business owners, comprising:
Employee group benefit program design
Retirement plan design, implementation, and management
Executive compensation plans
Business succession and transition financial planning
Education is a key component of Shawn's relationships with his clients; he coaches them on how to appropriately plan for their futures, as well as helping businesses to educate their employees on how to maximize the benefits provided.
Shawn joined Foster Klima in 1995 and currently leads a team of advisors dedicated to supporting clients in their investment and benefits planning. He is a member of the Society of Financial Service Professionals and the National Association of Life Underwriters. Shawn enjoys time with his wife, Shelley; son Max, daughter-in-law Claire, and grandson Gideon; and son Henry. He is a lifelong hunter and fisherman who relishes time on the water and in the woods.
Job Titles:
- Director of Wealth Management
Stephen's dedication to clients and advisors centers on the belief that every financial decision should be well-informed and made within the context of a plan. After clarifying each person's financial priorities and current circumstances, he works with them to design a well-balanced strategy. In addition to his role as a financial advisor, Stephen also serves as the Director of Wealth Management at Foster Klima, working with other financial advisors and their clients to build investment portfolios as part of their "big picture" financial strategy.
Stephen lives near Hudson, WI with his wife and five children.
Thomas Klima joined Foster Klima in 1987 as the Group Benefit Manager. Armed with a Bachelor's of Science Degree in Finance from Arizona State and the ability to serve as a reputable liaison between client and carrier made him a valuable addition to the organization. He also remains responsive to a variety of benefit service needs as a mainstay in the organizations' group benefit business - always going out of his way to deliver superior customers service.