—  The Financial Planning Co.  —

—  Est. 2016 —

The Financial Planning Co. is a boutique financial services firm primarily focused on providing tax-efficient retirement plans & investment management. The Financial Planning Co. tends to work primarily with those seeking financial independence - whether via the FIRE (Financial Independence, Retire Early) movement or the traditional retirement approach. 

The Financial Planning Co. is a member of the National Association of Personal Financial Advisors (NAPFA), the XY Planning Network, and the Fee-Only Network.

—  Location: Waconia, MN | Virtual —
—  Fee-Only —

INVESTMENT PHILOSOPHY

We believe in the power of markets. As such, our philosophy can be summed up succinctly: we prefer to establish investment allocations with our clients and stick to them for very long time periods. We implement rules for ourselves and our clients to act as guardrails against negative actions being taken. Furthermore, we try to keep costs low, diversify widely and intelligently, and tend to prefer value investing.

FINANCIAL PLANNING PHILOSOPHY

The Financial Planning Co. believes that the best approach for improving personal finances is by focusing on the small actions and the why for those small actions. This is why we employ a Next-Best-Step approach to financial planning. This is coupled with a rules-based approach on a go-forward basis.

Luke has a long history of guiding individuals, families, and corporations in multiple facets of financial planning, including investing, retirement planning, insurance, & employer benefits consulting.

To support these efforts, Luke is a CERTIFIED FINANCIAL PLANNER™ professional, a Certified Benefits Professional, and holds an MBA with a concentration in Tax from the Carlson School of Management at the University of Minnesota. His professional career includes time at Fidelity Investments as a consultant, leading the financial wellbeing efforts for the 170,000 employees of UnitedHealth Group, and as a Sr. Relationship Manager at Optum Bank, specializing in HSA’s and their relationship with retirement savings.

Luke is married to Gina DeBoer and they have 5 children (Isabella, Veda, Judah, Lucia, Amelia), ages ranging from 4-13. They are attendees at Oakwood Community Church in Waconia. Luke is a native Minnesotan, having grown up in the Elk River area.  Additionally, Luke serves as the Treasurer for the ISD110 (Waconia) School District.

At this time, Luke is not taking on new clients.

Andrew (Andy) is a professional with a focus on the FIRE (Financial Independence, Retire Early) approach. As a FIRE aficionado, he is hyper-focused on helping his clients polish their finances, from investment management to credit card point optimization, and everything in-between.

Andy possesses significant experience in various forms of accounting, with experience as a Controller for a large mid-west company and has received bachelor degrees in both Business Management (SMSU) and Accounting (University of Minnesota - Crookston). Andy resides in Hutchinson, MN with his wife Lynsey and children, Kora and Kash.

To schedule time with Andy, email him at akalenberg@thefinancialplanningco.com.