Your CMFA team is local|knowledgeable|dedicated|convenient|relatable.
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. 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.
Set up a no-cost, no-obligation meeting with one of our distinguished financial advisors to get started today: (888) 597-4516
Financial Advisor, 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 any of the following Central Minnesota Credit Union branches: Freeport, Melrose, Sauk Centre
Financial Advisor, 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 any of the following Central Minnesota Credit Union branches: Albany, Avon, Belgrade, Cold Spring, Paynesville, Spicer, St. Joseph
Financial AdvisorMatt Ratchenski, Financial Advisor, 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 any of the following Central Minnesota Credit Union branches: Moorhead, New York Mills, Perham, Wadena
Financial AdvisorJanessa Sobania, Financial Advisor, 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 any of the following Central Minnesota Credit Union branches: Grey Eagle, Holdingford, Little Falls, Long Prairie
Check the background of these investment professionals on FINRA's BrokerCheckInvestments Account Login
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.
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.
Chartered Retirement Planning Counselor(SM) and CRPC® are trademarks or registered service marks of the College for Financial Planning in the United States and/or other countries.