Based on your values and needs, we help you design your future. We provide our clients with the necessary tools to help them succeed.
We work together with our clients, providing them with recommendations to implement on their own or with our help.
We create a financial plan along with specific recommendations to help our clients meet their goals.
At Financial Advocate for You, we are working for your benefit every step of the way by providing advice suited to your goals and values. We work with clients on a fee-only basis, meaning we do not sell financial products and do not accept commissions of any kind. This minimizes conflicts of interest and allows us to focus on what is best for your needs.
Financial Advocate for You is an office of CGN Advisors, LLC, which is a nationwide network of fee-only financial planners who strive to make competent financial advice accessible to all. We operate free from sales quotas so you can be assured that we're never incentivized to sell a certain product or make a specific referral. The rewards we get for our work come from staying true to our values and seeing our clients succeed in their goals.
Kristin Rogers is a Certified Financial PlannerTM and has been in the financial services industry for over 25 years. As a representative of CGN Advisors, LLC, an SEC registered investment advisor, Kristin is able to serve clients in Minnesota, South Dakota and other jurisdictions throughout the U.S. where exempted. For more information about CGN Advisors, LLC please visit their website.
Kristin is also a member of Garrett Planning Network, a nationwide network of independent, fee-only financial planners who are dedicated to making objective, intelligent financial advice accessible to everyone. This means you don’t have to turn over control of your finances, open new accounts or be wealthy to work with Financial Advocate For You. We charge based on the time we spend working together, not based on your wealth. You will receive fee-only fiduciary advice, which means your best interest always come first. For more information about Garrett Planning Network, please visit their website.
No members have been created.
You are hiring a financial planner who is a fiduciary throughout the entire engagement.
Not everyone needs a broad-based financial plan. You may have specific questions you would like answered. We will work together to discuss the scope of our engagement before any work begins.
You can engage with us on an on-going basis or on an "as needed" basis. You can decide what works best for you.
You may have specific questions you would like answered whether it be related to retirement, investments, tax-related, college savings, your small business, insurance or another area. Explore the different scenarios you might find yourself in - and the solutions we offer.
Situation |
Solution |
| You wonder if you're on track to retire.
You are working with a financial advisor or other professional and would like a second opinion. You would like a distribution strategy from retirement accounts, non-retirement accounts, Social Security, etc. while taking into consideration taxes. You would like to have a financial plan to follow. |
Retirement Planning Whether it be a comprehensive financial plan or you have a few specific financial planning questions, we customize the plan to answer your questions. We analyze your financial picture to answer your retirement questions. LEARN MORE |
| You have investments in various accounts and would like help organizing or consolidating them.
You would like to allocate excess cash reserves. You would like a second opinion on investments or other products. |
Investment Planning We review your investments in relation to your goals and provide advice to help minimize taxes and investment costs and consolidate when appropriate. LEARN MORE |
| You wonder if you should be making conversions to Roth IRA's.
You would like a distribution strategy from retirement accounts, non-retirement accounts, Social Security, etc. while taking into consideration taxes. You wonder how your income in retirement may affect healthcare premiums. You wonder about selling an investment with large capital gains. |
Tax-Related Strategies Advice is provided to help you feel more confident knowing what to look for and discuss with your tax advisor. LEARN MORE |
|
You wonder what choices you have for college funding.
You wonder how much you should be saving for college costs. You want to save for retirement first but would like flexibility to also save for college if possible. |
Saving for College We will discuss what is important to you and let you know your options for college savings. LEARN MORE |
Financial planning advice can be provided in one area or many areas depending on your needs and desires.
Retirement
Are you on track to retire when you'd like to retire? We ask questions to help you think of things to consider that you may not be thinking about when planning for retirement. Our financial planning software helps you understand your current probability of success based on your retirement desires and resources. Recommendations are then made to improve your current probability of success while mitigating unnecessary risks.
Portfolio Review
Does your allocation align with your financial planning goals, investment goals and tolerance for risk? We can evaluate your current holdings to help you understand your allocations. We also evaluate the costs you are paying and help you lower those costs and provide more tax-efficient choices if available.
Risk Management Analysis
We review risks that you may be exposed to and provide solutions to mitigate those risks. Risks may include pre-mature death, disability or long-term care needs. We will weigh the costs and benefits of minimizing these risks and can consult with experts in those areas to assist you with making prudent risk management decisions.
College Savings Planning
College savings can be a big goal. We can help you understand options available to help meet your goal.
Small Business Decisions
We help you understand what choices you have for personal retirement accounts or workplace retirement plans. We can discuss benefits for you as a business owner and/or your employees.
Life Events
When changes happen in your life, those changes can be more seamless if you're prepared.
Whether you want to delegate the management of your investments or want advice to do it yourself, we can help.
Review of current investments
Prepare reports to help understand current investment allocations and analyze investment expenses.
Determine investment criteria
Investment time frame, tolerance for risk, personal preferences, and other factors.
Provide Allocation Recommendations
You implement the recommended changes within your portfolio, monitor your investments and decide when you'd like us to review them again.
Review of current investments and determine investment criteria as noted above.
Provide Allocation Recommendations and Implement
We implement the investment allocations and monitor your investments for you.
There are tax-related strategies that can help improve your financial plan. We make financial planning calculations that help you understand if those strategies would be beneficial based on your unique financial circumstances.
Discover some strategies to discuss with your tax advisor to help put you in a better financial position.
There are many ways to save for future college costs. We can discuss your specific college savings goals and help you understand the type of account(s) to save into and how much is needed to meet those goals.
If you have a limited amount of time to save for college, there are strategies to consider before the time comes to file for financial aid as well.
While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us. Please reach out using the form below so we can schedule an initial conversation.