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7845 3rd Street North, Suite 111, Oakdale, MN 55128

651-458-8030
ryan@kaiserfinancial.net
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Let's Make Your Money Work Smarter

Whether you're just getting started or rethinking your retirement, I'm here to help you make informed decisions and feel good about your financial direction.

What I do
Financial Guidance That Meets You Where You Are

Kaiser Financial is an independent, client-first practice providing personalized investment management and comprehensive financial planning. I take the time to understand where you are today, where you want to go, and what matters most along the way.

Whether you’re working toward building wealth, preparing for retirement, or navigating an important financial decision, I’ll work with you to develop a strategy that fits your goals and your life, not someone else’s. My role is to be a collaborative advisor, a thoughtful sounding board, and a partner you can rely on throughout your financial journey.

Your Goals, Your Plan, Your Terms


Your Goals, Your Plan, Your Terms

I believe everyone deserves a financial advisor who takes the time to listen and understand what matters most to them. Before recommending a strategy, I want to understand your goals, priorities, concerns, and what financial success looks like for you.

From there, we’ll work together to create a personalized plan designed around your life and goals. As your circumstances change, your plan can evolve with you, providing ongoing guidance and helping you stay focused on what matters most.

The Support You Need, When You Need It

Life doesn't come in neat categories, but having the right support in the right areas can make a real difference. Here's how I can help.


Portfolio Management

I’ll help you build and manage a portfolio designed around your goals, time horizon, and comfort with risk. Your portfolio shouldn’t be a “set it and forget it” strategy. I regularly monitor your investments, review performance, rebalance when appropriate, and make adjustments as your goals and circumstances change.

My goal is to provide thoughtful, ongoing management so you can stay focused on your life while I help keep your investment strategy aligned with your long-term financial plan.

*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.  Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

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Retirement Planning

Retirement looks different for everyone. I’ll help you define what you want your retirement to look like and develop a strategy to help make it possible. Whether your goals include traveling, pursuing a new opportunity, spending more time with family, or simply having the freedom to enjoy life on your terms, we’ll build a plan around what matters most to you.

As your goals and circumstances change, I’ll continue to monitor your plan and make adjustments along the way to help keep you on track toward the retirement you envision.

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Risk Management

Life doesn’t always go according to plan. I’ll help you identify potential risks and put strategies in place to help safeguard the progress you’ve made. We’ll look beyond investment markets to consider the unexpected events that can impact your financial life, from changes in employment to health or family circumstances.

By looking at your complete financial picture, we can build a plan with the flexibility to adapt when life changes to help you stay focused on your goals even when the unexpected happens.

*All investing involves risk including loss of principal. No strategy assures success or protects against loss.

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Estate Strategy

Planning for what happens to your assets and the people you care about is an important part of your overall financial plan. I’ll work alongside you and your legal and tax professionals to help ensure your estate strategy is aligned with your vision and financial goals. 

Together, we’ll address the important questions, review how your assets are positioned, and help coordinate the financial details of your estate plan. The goal is to provide clarity and confidence that the people and causes that matter most to you are cared for according to your wishes.

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Life Insurance

Life insurance is one of those things people know they should think about but often put off. I'll help you figure out what makes sense for your situation.box-empty

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HNW Client Guidance

As wealth grows, financial decisions can become more complex. I help high-net-worth clients bring clarity to the bigger picture and develop strategies that align with their goals and priorities. This may include managing concentrated positions, coordinating tax-efficient strategies, preparing for wealth transfer, or planning for the next generation.

My role is to help simplify the complexities, coordinate the moving pieces, and provide thoughtful guidance so you can make informed decisions with confidence.

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Extended Care Strategies

No one likes thinking about long-term care, but planning for it now can help protect everything else you've worked to build.box-empty

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Small Business Guidance

Running a business is a financial journey of its own. I help business owners connect the dots between their personal and professional goals.box-empty

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Social Security Strategies

Deciding when to claim Social Security is an important part of your retirement strategy, and the right decision can look different for everyone. I’ll help you understand your options and evaluate how each choice may affect your overall financial plan.

Whether you’re considering claiming benefits early, waiting until full retirement age, or delaying benefits even longer, we’ll look at the potential impact on your income, taxes, and long-term retirement goals. My goal is to help you make an informed decision with confidence.

*Kaiser Financial and LPL Financial are not endorsed by or affiliated with the United States Social Security Administration or any government agency.

 

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Cash Flow Analysis

Understanding where your money goes today is an important part of planning for tomorrow. I’ll help you develop a clear picture of your income, expenses, savings, and spending patterns so we can identify opportunities and make informed decisions.

The goal isn’t to tell you how to spend your money, it’s to understand what’s important to you and make sure your cash flow supports your broader financial goals. With a clear picture of your finances, we can create a strategy that puts your money to work where it matters most.

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Education Strategies

Saving for education is a big goal for a lot of families. I'll help you explore the options that make the most sense within your larger plan.box-empty

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Charitable Giving

If charitable giving is important to you, I’ll help you incorporate it thoughtfully into your overall financial plan. There may be opportunities to give in ways that are both meaningful to the causes you support and beneficial from a financial and tax perspective, including donor-advised funds, charitable trusts, and gifting appreciated assets.

Together, we’ll explore the strategies that best align your charitable goals, financial priorities, and long-term plans, helping you make an impact while making the most of the resources you’ve worked hard to build.

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Special Needs Trust

Planning for a loved one with special needs takes extra care. I'll help you explore trust strategies designed with their future in mind.box-empty

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Debt Management

Debt doesn't have to hold you back. I'll help you put a plan together to manage it while still making progress toward your bigger goals.box-empty

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Financial Education

The more you understand, the more empowered you are. I love helping my clients build financial knowledge that sticks.box-empty

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Get Started
Let's See If We're a Good Fit

No pressure, no obligations — just a real conversation about where you are and where you'd like to go. I'd love to hear your story.

Let’s Talk