Your CMFA team is local
The Central Minnesota Financial Advisors program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com.
Central Minnesota Financial Advisors have all the experience and knowledge of big, national investment firms but are uniquely dedicated to serving the needs of Central Minnesota. All of our CMFA staff were born and raised in Minnesota - allowing them to understand the values and traditions of Minnesotans.
We understand that everyone's path to wealth management and retirement planning is different. It doesn't matter if you haven't started planning or if you've hit many bumps in the road throughout life's journey - there's always an opportunity to create a successful financial road map. Our team works with you through each stage of life and ensures you understand and are comfortable with your customized plan.
Check the background of these investment professionals on FINRA's BrokerCheck.
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An Award-Winning Team
As a program, Central Minnesota Financial Advisors is passionate about serving its members and uses a team approach to make sure the highest quality of service is met.
Learn about various topics such as investing for retirement, account types, and strategies.
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Meet the Financial Professionals
Financial Professional, CRPC®
Stephanie Mayers, CRPC, is an accomplished financial advisor with more than 16 years of experience in the financial and insurance industry. As a native of Spring Hill, Stephanie is a local farm girl with deep family roots. She and her husband are now raising their three children in the same area—continuing the values of family, friends, and community.
Stephanie started her financial career with Central Minnesota Credit Union, as a part time teller, loan officer, and then financial advisor. Her passion is spreading financial planning education throughout her community. Stephanie understands the importance of full financial planning and takes the time to understand clients’ priorities so she can aid in creating, implementing, and maintaining customized investment portfolios and retirement plans.
Stephanie is well versed in the sale and administration of investment accounts, personal and business retirement accounts, insurance products, and financial planning services. She has received the Women of Distinction award from CUNA Brokerage Services for her outstanding performance as a financial advisor. A program created by women, for women, Women of Distinction is an award recognizing the top performing female financial advisors within CBSI’s broker-dealer operation nationally, according to CUNA Mutual Group, its parent company.
Stephanie is FINRA registered to sell securities and holds Annuity, Life, Variable Life, Accident and Health Insurance licenses.
Meet with Stephanie at our Melrose or Sauk Centre location or by appointment only at Freeport and Glenwood.
Financial Professional, CRPC®
Michael Schwieters, CRPC, has been dedicated to the financial services and insurance industry for nearly a decade. Michael kicked off his career by graduating one year early from St. John’s University with a degree in Economics and started by working with the Minneapolis Financial Group. Michael quickly discovered that he appreciated the small town life more than the city and moved back to Stearns County where he now resides with his family.
Michael continues to serve his communities outside of CMFA. He enjoys meeting new people while actively volunteering at local events and supporting the communities. Michael presented at the National Conference for Undergraduate Research. Now, he continues his dedication by setting a career goal to develop his client relationships to last a lifetime — not just a few years.
Michael is experienced in financial planning services, retirement planning, investment accounts, and insurance products. Michael holds the Chartered Retirement Planning Counselor (CRPC) Designation. Throughout his professional career, Michael has focused on holistic financial planning for his members to help them reach their financial goals.
Michael is FINRA registered to sell securities and holds Annuity, Life, Variable Life, Accident and Health Insurance licenses.
Meet with Michael at our Albany, Belgrade, or Paynesville location or by appointment only at Spicer.
Matt Ratchenski, Financial Professional, has a strong dedication to integrity. He believes a solid plan is key to helping his clients make the best financial decisions they can. He prides himself on formulating and implementing financial plans that are unique and personal to each of his clients.
Growing up the youngest on a family farm in small town North Dakota, he learned the meaning of a hard day’s work. He continues to implement the values of work ethic, community, and integrity he learned on the farm to his work as an advisor. Matt worked in the financial industry as he attended North Dakota State University in Fargo and has been working in the industry ever since.
Matt is knowledgeable in financial planning, retirement income planning, personal and small business retirement accounts, and term and permanent life insurance solutions. He understands the importance of using a holistic approach. He believes this leads to relationships that last through life’s changing priorities and goals.
Matt is FINRA registered to sell securities and holds Annuity, Life, Variable Life, Accident and Health Insurance licenses.
Meet with Matt at our Perham location or by appointment only at Moorhead, New York Mills, or Wadena.
Janessa Sobania, Financial Professional, is a native of the Holdingford area which helps her appreciate the small town life and the values it represents. She and her husband have now built a home and reside in the same area—continuing those values of family, friends, and community. Janessa continues to serve her community in organizations outside of Central Minnesota Financial Advisors. She is a member of the Holdingford Area Chamber of Commerce and enjoys being involved in supporting the local school and community.
Janessa began her journey in the financial industry with Central Minnesota Credit Union, where she took on the role of personal banker. She then joined the Central Minnesota Financial Advisors team to pursue her passion of meeting with clients and helping them reach their goals. Since joining the CMFA team, Janessa has become well versed in financial planning and wealth management strategies.
Janessa understands the importance of holistic financial planning and takes the time to understand clients’ priorities so she can aid in creating, implementing, and maintaining customized investment portfolios and retirement plans. In addition to being experienced in the administration of financial services, Janessa is experienced in retirement accounts, investment accounts, financial planning services, and insurance products.
Janessa is FINRA registered to sell securities and holds Annuity, Life, Variable Life, Accident and Health Insurance licenses.
Meet with Janessa at our Grey Eagle, Holdingford, Little Falls, or Long Prairie location.
Matt Kreuzer, Financial Professional, believes strongly in enhancing the lives of Central MN Credit Union’s membership through a holistic-approach to financial planning that is centered-on each individual client and their unique needs. Matt promises to deliver a first-class experience and the same commitment to each client through Central MN Financial Advisors. Through integrity, loyalty, and dedication he has built excellent relationships with CMCU’s members through his various roles within the organization for over 17 years and would enjoy the opportunity to serve you and your financial needs.
Outside of work, you can find Matt serving the community through civic organizations, boards, youth sport coaching, and volunteering within schools.
Matt is a firm believer of the importance of strong partnerships not only with members and clients, but the community as a whole. Matt is experienced in financial planning, retirement planning, a wide variety of investment accounts and insurance products. With Matt’s experience and knowledge, he will remain focused on providing exceptional financial planning services and relationships that will last a life-time.
Matt is FINRA registered to sell securities and holds Annuity, Life, Variable Life, Accident, and Health Insurance licenses. Matt would enjoy the opportunity to learn more about you, your family, and your financial goals.
Meet with Matt at our Sartell, Cold Spring, or St. Joseph location or by appointment only at Avon or Brooklyn Center.
*Central Minnesota Financial Advisors Financial Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America. FR-3108365.1-0620-0722