Talk about friendly, supportive, service-oriented professionals and you're describing the team at DeGraaf.  We're a close-knit group dedicated to serving clients who we're also honored to call our friends.  



With more than 30 years of financial planning experience, Larry thrives on helping clients achieve their financial objectives. From investment planning for individuals to corporate investment and pension plan development, Larry's depth of expertise serves as the foundation for DeGraaf Financial—the firm he and Jeannie, his wife, began in 1992. Today, they, and the entire team at DeGraaf, have built on that foundation to create a financial services firm of solid reputation and sound growth. Indeed, much of the firm's growth can be credited to personal referrals from his clients. 

CFP® professional, ChFC®, CLU®, AIF®; FINRA Series 7 General Securities Representative; FINRA Series 24 General Securities Principal; FINRA Series 63 Uniform Securities Agent State Law; FINRA Series 65 Uniform Investment Adviser Law; Investment Advisor Representative of Commonwealth Financial Network®

Financial and client service roles since 1973. Founded DeGraaf Financial in 1992.

In addition to guiding the overall development and mission of DeGraaf Financial, Larry serves individual clients through retirement planning and ongoing management of their investment portfolios. Larry has been an active member of St. Cloud Granite Rotary and past member of the Munsinger/Clemens Advisory Committee.

A firm believer that it's never too early to start planning for retirement, Larry walks the talk and is quick to share his vision for the best years to come: spending time with family and especially his grandchildren, traveling, fishing, and a second attempt at bonsai gardening, as his first attempt was "really sad." And because he's a numbers guy at heart, he'll always continue to study U.S. and global economies and events and the ever-changing puzzle of investment opportunities they create. 


Financial Advisor

AIF®; FINRA Series 7 General Securities Representative; FINRA Series 66 Uniform Combined State Law; Minnesota Resident Insurance Producer License in Accident & Health, Life, Variable Life & Variable Annuities; Investment Advisor Representative of Commonwealth Financial Network
Glen joined DeGraaf Financial in January 2014, bringing 14 years of client service and charitable planning experience. Prior to DeGraaf, he served as director of philanthropic services at the Central Minnesota Community Foundation, which administers more than 600 charitable funds totaling more than $100 million. Glen is a 1996 graduate of Saint John's University.

Glen serves clients through financial planning and management of their investment portfolios. Glen also meets with prospective clients and develops plans to address key questions such as "How much will I need for retirement?" and "How do I get there and what do I do once I actually retire?" Ask about his strongest career passion and there's no hesitation: "Helping people reflect on their goals and dreams, and finding the right tools to help them get there."

Already putting into practice the DeGraaf philosophy of early planning now for the best retirement later, Glen's vision for retirement is all about investing in family and community. Along with his wife, Jenny, he's enjoying raising a son and daughter while still carving out time for various community leadership roles. Glen is an active member of the Central Minnesota Estate Planning Council.



Financial Advisor

Rather than viewing it as an obstacle, Andy’s goal is to have proper financial planning added to all undergraduate curriculums, on par with doing your taxes.  As a CERTIFIED FINANCIAL PLANNER™ practitioner and Accredited Investment Fiduciary® designee, he feels it’s his responsibility to educate and grow his clients’ total financial well-being, and his sincerity mixed with humor makes him a great fit for such a difficult topic to navigate.  He is determined to keep the best interest of his clients in mind at all times, in order for them to reach what they define as their financial success. 

Andy has more than 17 years of industry experience and has been with Commonwealth Financial Network® since 2008.  He has been honored as a President’s Club producer, an accomplishment reserved for top advisors affiliated with Commonwealth, for the past 5 years.  His financial expertise is noted by colleagues from local organizations and publications, where he is often interviewed or asked to contribute to stories regarding the financial industry. 

He has spent much of his youth participating in numerous team sports, concluding with being named a four-time Big-Ten All-Academic team member and captain of the 2001-2002 UW-Madison Wisconsin Badgers men’s hockey team.  The team mentality now flows over into his professional career and he credits his success to the support and creativity of his amazing DeGraaf Financial team.  Together, they have created an environment that supports and encourages their clients’ financial well-being. 

Andy views his relationships with all of his clients as a partnership, where both parties need to be engaged and held accountable while respecting and valuing the other’s contributions.  It is paramount for a successful partnership for Andy to understand a client’s entire financial foundation, which is why he requires financial planning for his clients in order to help with investments, insurance, and other areas of need.

Outside of work, Andy spends his free time with his son Landon and daughter Addison while coaching their sports teams or simply playing in the yard.  He and his wife, Becky, enjoy traveling together and discovering the next adventure.  He loves to be outdoors in all four seasons, running, fat-tire biking, golfing, and skiing. 

To explore a true partnership with DeGraaf Financial, please reach out to any member of our team to set up a complimentary wealth review.   

Presidents seal


Andrew Wheeler is proud to have been recognized as a President's Club advisor for 2018—a distinction based on annual production attained by 13 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the Registered Investment Adviser–broker/dealer that helps us process investment transactions on your behalf, recognizes President's Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. President's Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.


Financial Advisor

FINRA Series 7 General Securities Representative, FINRA Series 63 Uniform Securities Agent State Law
15 years with DeGraaf Financial

Services individual accounts, including placing trades, processing paperwork, monitoring account activity, and making sure clients are happy.

Ideally, Laurie would reduce her workdays rather than retire, as she really enjoys her job and would like to continue to be involved with clients. When she does retire, she hopes to spend quality time with her grandchildren, travel with her husband, and putter around the garden and flowerbeds. 



Qualified Plan Director/Financial Advisor

FINRA Series 7 General Securities Representative; FINRA Series 24  General Securities Principal; FINRA Series 63 Uniform Securities Agent State Law; Investment Advisor Representative of Commonwealth Financial Network®

Personal and business fiduciary roles since 2007. Partner in DeGraaf Financial in 2019.

Ryan specializes in the design, implementation, management, and fiduciary trust for both qualified and nonqualified workplace retirement plans. In addition to his work with Owner/Trustee service, Ryan assists in the development and execution of workplace wellness programs. Ryan has been a member of the Retirement Plan Advisory Group (RPAG) since 2015.

Ryan is a firm believer that an employee benefit is a benefit only if it is understood by the employee. He believes this sentiment to its core and tackles employee engagement with that goal in mind. Ryan and his wife of more than 15 years, Jodi, have the true benefit of three lovely daughters (Madison, Bailey, and Nora) who provide endless miles across the state for their various activities. Ryan is a passionate hockey fan who is never too far away from a rink.


Investment Advisor and 401(k) Education Specialist

Tiffany is an investment advisor and 401(k) education specialist at DeGraaf Financial. She has a background in the finance, teaching, and sales industries.  She has developed a knack for using these teaching abilities and applying it to the financial industry in helping individuals and families plan for their future. 

Tiffany is a proud Iron Ranger—born and raised in Hibbing, Minnesota.  She attended the University of Minnesota, Duluth, and graduated in 2011 with a degree in education and a minor in psychology.  Tiffany and her husband, Dante, spend most of their free time just trying to keep up with their energetic 1-year-old daughter, Cecilia.  They will soon be a family of four as they will be having a new little one (boy) join their family in November 2019. 


Client Services and Operations Manager

Jordan joined the DeGraaf Financial team in May of 2020 after several years in the Sales and Information Technology industries.  As Operations Manager, Jordan is responsible for making sure everything is in order behind the scenes and is available to support to all of the DeGraaf Financial team members.

Jordan grew up in Eau Claire, Wisconsin and attended The College of St. Scholastica where he met his wife Taylor and graduated with a degree in Business Management.  When Jordan is away from the office he loves to spend time adventuring outside with his wife, their son Greyson and the Walling dogs Sadie (boxer) and Kona (black lab).  You can also find him on a slow pitch softball diamond, hitting the links golfing or just enjoying time with friends.


Registered Staff Member

Rob joined the DeGraaf Financial team in September of 2019 after transitioning from the governmental health insurance and banking industries. As a financial services assistant, Rob is currently helping the team in updating customer records, scheduling appointments, and working on becoming a licensed registered representative. Rob is excited to be a part of the DeGraaf team while getting to know and build relationships with current and future clients. Having grown up on a family farm, Rob is a strong believer that determination is the key to achieving one’s goals.

Rob received his associate degree from Anoka Ramsey Community College and graduated with his BS in finance degree from St. Cloud State University (Go Huskies!). After graduation, Rob and his wife, Heather, moved to Milaca in order to be closer to family. When not at the office, Rob enjoys hiking and camping with his wife, helping out on the family farm, and keeping their 12 chickens from eating his fruit and vegetable garden.


Office Manager

Talbot joined the DeGraaf Financial team in January of 2020 after five years in the customer service/hospitality industry. As office manager, Talbot assists the team with client reports, maintaining client data, appointment scheduling, and creating an inviting environment for all DeGraaf clients.

Talbot received her associate degree at St. Cloud Technical & Community College where she also played volleyball. She then earned a BS from St. Cloud State University. She is excited to be a part of the DeGraaf team and getting to know all of DeGraaf's clients.

When not at the office, Talbot enjoys playing volleyball, traveling, and spending time with family and friends.