Our Philosophy

What would we do, knowing what we know, if we were you?


City Picture



We are here to take care of people. To provide them financial progress and protection. To offer them our genuine desire for their financial success. Simply put, we are here so you can live well. So you can be confident in your financial foundation. And so you can look forward to and be prepared for your retirement.


The independent difference  

Helping you write

your retirement story

  Easy to talk to, anytime


It really makes all the difference in the world. As independent advisers, the focus of our recommendations is on you. With no "house brands" that we are required to promote we are able to make your unique planning needs and goals our driving primary goal.

From the beginning, we chose to remain independent, which means our interest in terms of financial products and guidance is that which best fits each client's individual situation. With no affiliation or influence from any other organization toward specific financial products, we are able to focus exclusively on helping you achieve your goals



At DeGraaf, we build relationships by getting to know your story—not just your financial situation but your broader life goals as well. Not through computerized programs or formulas, but through thoughtful, old-fashioned conversation. It is a deeper level of understanding that guides our planning process. And why we also see every client as a friend—all so that you can be comfortable working with us, confident in our experience, and relaxed knowing everything's taken care of.

Everyone has a unique life story—and a vision of retirement that's just as individual. Since 1992, we've been helping clients write their retirement stories by defining their goals and helping them write the chapters that will make their plans a reality. 



We believe our clients appreciate how easy we are to work with. To us, good communication is one of the biggest benefits of our being local and independent—no bureaucratic hoops to jump through or confusing phone trees for clients to navigate. Instead, we love having clients visit and answer the phone in person. Plus, we reach out to talk with all of our managed accounts on a regular basis. When it's your financial future we're talking about, it's nice to know that expert guidance is only a call away. 

We solve rather than sell.   We plan, implement, and protect.   We offer only the plans and products we would use ourselves.


  • We are independent
  • Autonomy to select what we feel are the best, most diverse products
  • No pressure on you, no pressure on us


  • Individual and business plan design
  • Greater benefits, greater cost savings


  • A reputation for integrity
  • A history of results
We effectively balance, work, life, and family.   We move clients from wealth creation to wealth accumulation to wealth distribution.   Most importantly, we put our clients' interests above our own.


  • A positive, fruitful environment
  • A pure partnership model — leverage the experience of our team


  • Structure and success from your first job through retirement
  • 30+ years of growth for our clients


  • We run a transparent business
  • Move in the direction that is best for our clients without the influence of anyone else


  Want to learn more?  
  Learn more on how we can help you build the financial future that you have always dreamed of.  
  ​Contact Us​   
DeGraaf - Full Logo Clear
215 Park Avenue South, Suite 100, Saint Cloud, Minnesota 56301
Phone: (320) 251-6968 | Fax: (320) 202-8505