Peder Hertsgaard, ChFC®, CLU®, CRPC®

Financial Planner

Direct: (763) 259-5741

Peder@RiverLinkFA.com

Office Address:  1650 West End Blvd, Suite 100, Office #174, St. Louis Park, MN 55416

My goal is to improve your quality of life as a trusted advisor you can rely on to care for your financial well being.

Retirement is real; your plan should be too.  I help clients identify goals, create a plan and understand how their actions now affect them in the long run.

Although I work with people with different backgrounds, I have many clients who are employees of Allianz Life because of my familiarity with the company's benefits and 401(k) offerings.

What services do I offer? 
Comprehensive financial planning, financial advice, social security planning, pension plan review and strategy, 401(k), stocks, bonds, mutual funds, ETFs, annuities, REITs, BDCs, life insurance, long term care insurance, corporate benefits, budgeting and more.  Everyone's needs are unique; I get to know clients individually so I can help them achieve their best future.  

On a personal note, I live in Minneapolis with my wife, two children and dog.  I enjoy spending time outdoors, watching sports, seeing friends and travelling.  

Gina Maher

Financial Services Professional

Office: 701.522.3616

Cell: 605.314.2904

Email:  Gina@RiverLinkFA.com

Branch:

6355 101st SW

Morristown, SD 57645

683 124th St NE Monticello, MN 55362

Mike@RiverLinkFA.com

(763) 295-8010

Chad Kulzer

Financial Advisor, RICP® 

Office: 952.392.7046

Cell: 612.590.5801

Fax: 952.516.5492

Email: chad@riverlinkfa.com

10800 Lyndale Ave S    Ste. 126      Bloomington, MN 55420

By appointment in Sleepy Eye, MN

Growing up on a Farm:

I grew up on a cattle ranch and wheat farm in North Dakota, where we worked hard and saved what we could. That experience influenced some of the principles of how I look at investing: To be successful, you simply spend less than you earn. And bringing in a big harvest isn’t the result of a big, one-time decision you make—it’s the result of the many wise and prudent decisions you make along the way.

Serving in the Army:

A veteran of the US Army, I served in the Gulf War. I believe the stresses I experienced in that environment prepared me well for when stresses happen in the market. As a result of my military training and service, I feel I’m more even-keeled and better able to keep a long-term view as opposed to reacting to short-term movements in the market and possibly making rushed decisions.

Working the Trade Desk:

I started taking trades in the late 90s until late 2000 after the dot-com bubble had burst. In the beginning, people just couldn’t wait to get in, and how they were afraid they were missing out, saying, “Hurry up! Hurry up! I gotta buy this!” … to just a few months later where some of those same people were scared and couldn’t wait to get out. That experience really cemented my philosophy around a less-emotional and more data-driven long-term approach to investing and financial planning.

12 Years in a Compliance Role and 7 Years in a Supervisory Role:

19 years, working in both a compliance role (2000-2012) and a supervisory role (2012-2019), I’ve seen many offices and how they operate. The knowledge I’ve gained in this area has informed how—and why—I decided to set up my office the way I did:

Therefore, I prefer a more comprehensive, personal, and service-oriented approach. I prefer to conduct quarterly, ongoing client visits to give me a solid understanding of my clients’ needs and goals. I can operate on a fee or commission basis, depending what works best for each individual. It’s important to me that my clients know I’m making recommendations based on what I believe is in their best interest.

Personal:

When not working, I enjoy spending time with my beautiful wife, Angela, and wonderful children, Zoe, Alexander, and Gianna. I also love time outdoors, hunting and sports.

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Brian Sensibaugh, RICP

Financial Advisor

I have been a financial advisor for over 18 years helping clients across the United States achieve their goals in personal finance. I have worked as an Investment Executive with Questar Capital helping numerous clients reach their financial goals in retirement planning, education planning, asset preservation and accumulation, and estate planning.

I grew up in Shakopee, MN and currently live in Bloomington, MN. I obtained my B.S. in Corporate Finance and minors in Accounting and Business Administration from Minnesota State University-Mankato in 1999. I currently have a Series 7, Series 66 and Life and Health insurance licenses, and a Retirement Income Certified Professional designation.

In my spare time, I enjoy hunting, fishing, and playing hockey. I also enjoyed coaching a youth hockey team in Minnesota for 14 years.

I am committed to helping clients acquire, accumulate, and retain wealth and help them retire with confidence. I specialize in comprehensive financial planning, while helping clients develop solid investment plans that are consistent with their time frame and risk tolerance. Once I fully understand your goals, I will recommend a suitable investment strategy and monitor your portfolio on an ongoing basis.

Office: 952.777.5955

Cell: 612.267.5747

Fax: 952.400.8835

Email: brian@riverlinkfa.com

10800 Lyndale Ave S

Ste. 126

Bloomington, MN 55420

Patricia Lovelette

Financial Advisor, CLU, ChFC

Office: 612.721.1227

Cell: 612.227.9326

Fax: 612.486.9396

Email: pat@riverlinkfa.com

Branch:

4608 43rd Ave S.

Minneapolis, MN 55406

I’ve spent four decades having the privilege of helping main street individuals, families and businesses grow and protect their wealth and financial well-being as they pursue their goals and dreams.  During this time the financial services landscape has become increasingly more complex and I believe it’s more important than ever to be an advisor who serves as your advocate, represents your best interests, and is a long term partner you can count on.

 I seek to deliver the kind of experience I would want from an advisor.  I believe that establishing a mutually trusting relationship as we work together is an important priority, and being a good listener is one of the favorite parts of my job. Knowing who you are and what you want is the best way to help you make smart financial decisions and avoid pitfalls.

 Our team commitment at RiverLink Financial Advisors assures that if something happens to me, you’ll still be fine; you can continue to rely on the objectivity, integrity and high level of experience and personal service that you deserve.  We’re here for you.  

I hold the following financial credentials and memberships:

Chartered Financial Consultant (ChFC®)

Chartered Life Underwriter (CLU®)

National Association of Insurance and Financial Advisors (NAIFA) – a member since 1980, currently serves as MN State PAC Chair.  

Minnesota School of Business graduate – Accounting and Business Administration

A personal note:

Family is important to me – I grew up in South Minneapolis with a household of eight - my parents, four siblings (one is my identical twin) and my grandmother.   

I still live in South Minneapolis with my husband, Craig, and our black labrador, Gypsy.

I’m a NASCAR fan, I like classic cars, road trips, and vacations in Alaska.  

I volunteer with the Longfellow/Seward Healthy Seniors Program.

Ryan Cox

Financial Planner, CFP®

Office: 952.777.2647

Cell: 952.210.4048

Fax:

Email: ryan@riverlinkfa.com

10800 Lyndale Ave S

Ste. 126

Bloomington, MN 55420

Chris Pyle

Financial Advisor 

Growing up in Bloomington MN:

After living in five states from the time I was born until I started High School, my family finally settled in Bloomington for good. After attending Lincoln High School I went on to graduate from St. Cloud St. University in 1982 with a B.S. in Business with an emphasis in Entrepreneurship.

Next Step:

After graduation it was clear to me that being Self Employed was my true passion and thus I pursued a career with American Express Financial Advisors. After passing the necessary licensing exams, I began as a personal Financial Advisor. Over the next 13 years I established relationships with hundreds of individuals and families helping them achieve their financial goals. 

Once in a Lifetime Opportunity:

So in early 1996 that opportunity came along and I could not pass it up.  Thus I left the Financial Services Industry and moved my family to the East Coast just outside Baltimore, MD.  There I served as the Managing Director of a small Medical Practice, the Elite Center, owned by my longtime friend and colleague Dr. Robert M. Keenan, MD, PHD.  My responsibilities included managing all day to day activities for all three locations including Personal Management, Payroll, and Employee Benefits including 401k and Group Medical Insurance.  The Experience I gained during my 3 plus years at the Elite Center have proven to be of great value going forward.

Minnesota is Home:

Citing the desire to be closer to friends and family, we relocated back to the Twin Cities in late summer 1999.  I also think we truly missed the weather here as well.  So I returned to my initial calling, and re-started my Financial Services career teaming with my father Edward J. Pyle EA who had started a Tax Preparation Service, TaxWise Shop, only a few years before in 1997.  For the next 10 plus years we helped countless Minnesotan's with their tax filing requirements and also offered various financial and retirement solutions.

Simultaneously in 1999 I acquired a small Heal Insurance Agency, Service Providers Benefits which helps local individuals, families, and small businesses obtain affordable Health Insurance.  The ongoing challenge of finding affordable coverage is still our mission and a bigger challenge than ever.

After Ed's retirement, I have relocated just a few miles east in Bloomington to team with Riverlink Financial Advisors.  Today, after more than 30 years, I still look forward to helping people prevent financial problems rather than treat them after the fact, something I like to term "Preventive Wealth Care".

Cell: 612.964.1314

Email:  Chris@RiverLinkFA.com

10800 Lyndale Ave S

Ste. 126

Bloomington, MN 55420