Carlson Capital Management

Integrated Wealth Management

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Dementia-friendly Wealth Management

Katy Vermeer – Carlson Capital Management
Katy Vermeer, CFP®

Senior Integrated Wealth Advisor
952.230.6707
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  For me, it is a real privilege to walk alongside families who entrust their financial future to me and to my colleagues at CCM. I never take that for granted.  

Professional Biography
Katy Vermeer is a Senior Integrated Wealth Advisor at Carlson Capital Management. As a Senior Advisor, Katy partners with clients and their families providing the firm's fully integrated wealth management experience including investment management, retirement modeling, estate, philanthropic and educational planning and all other aspects of general financial planning and client care. In this role, Katy also connects clients with the firm's specialists for overall portfolio management as well as direct access to expertise in areas such as tax planning and insurance analysis.

Katy joined CCM with more than thirty years of experience in financial services, including nearly a decade of serving clients by advising on all aspects of wealth management. Prior professional roles include leading business development initiatives, portfolio management, product management, and marketing. Katy worked most recently as Director of the Wealth Strategies Group with a firm in the Twin Cities. In addition to serving as a wealth advisor for clients and their families, Katy was instrumental in implementing a wealth planning platform, deepening the discovery process for firm clients, leading wealth planning workshops and contributing to the firm’s client education communications.

Katy holds a Bachelor of Arts degree in Psychology and Business from DePauw University. Katy has also attained the Certified Financial Planner™ designation granted through the Certified Financial Planner Board of Standards.

When not at work, Katy enjoys being active outdoors. She loves using the lakes and parks of Minneapolis any time of the year. She and her husband, Kerry, live in Southwest Minneapolis. They have three grown children.

Personal Thoughts
Doing well and doing good are both really important to me. This message related to excellence and responsibility is one that has always resonated with me and I work to incorporate it into my daily living, both at work and at home. At CCM when I am doing well for our clients I know that I am positively affecting their lives. By encouraging them to be purposeful about their wealth, I am hopeful that good happens, whether that is with the resources they use for themselves, their families or for the community.

Katy and other members of the CCM Advisory Team regularly post articles of interest on financial planning which you can find here.

Katy Vermeer
Katy Vermeer, CFP®
Senior Integrated Wealth Advisor

According to the World Health Organization, the number of adults living with dementia—a condition that negatively impacts a person’s memory and cognitive function—stands at 50 million. This number is expected to rapidly grow to 82 million by 2030. Alzheimer’s disease is the most common form of dementia, accounting for 60 to 70 percent of all cases. 1 With dementia on the rise, it’s increasingly important to consider dementia-friendly wealth management strategies.

Stages of Dementia
Although dementia impacts everyone differently and each person’s rate of decline is unique, dementia is often marked by several stages. In the earliest stages, common symptoms, which are oftentimes overlooked, include: forgetfulness and confusion. In a later stage of dementia, symptoms are more severe: difficulty recognizing relatives and friends; inability to communicate clearly and engage in daily activities; and behavior changes. In a later stage, especially, most people who have dementia are unable to make sound decisions—financial and otherwise.

Easing the Pain
At CCM, we have walked alongside many families struggling with dementia and its powerful grip on a loved one. It is heart wrenching. Our colleagues are trained in dementia-friendly wealth management practices and continually reminded that while people struggling with dementia may confuse facts and have trouble with complex thinking, they are still very capable of sensing emotions—joy, excitement, sadness, and frustration, among others.

Based on our experience, here are three important steps families should take if a loved one begins showing early signs of dementia:

Schedule a family meeting—early
CCM advisors have a fiduciary obligation to act in a client’s best interest. A family meeting is a forum for healthy dialogue between generations to share information about the client’s financial situation. The goals of the meeting are predetermined by the client and a CCM advisor can facilitate the meeting. Family meetings are about more than numbers. In fact, some clients choose not to share the details of their net worth.

Review plans; stay organized
We are privileged to serve as a trusted partner for our clients. For many, this means retaining copies of important documents: estate plans, legal documents, beneficiary designations, living trusts, power of attorney designations, account records, safe deposit box contents, and more. We encourage regular reviews of these documents and advise all clients to consult with CCM’s advisory team when considering changes.

Make wishes known
Make sure loved ones and CCM’s financial advisory team know about health care directives and wishes for end-of-life care. With this information, we can be strategic about aligning resources to match these desires.

If you have any questions or would like to schedule a family meeting, please contact your CCM advisor.


  1. https://www.who.int/news-room/fact-sheets/detail/dementia

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Published August 24, 2020 Topics: CCM Women's Initiative, Family Meetings, Financial Advisors, Financial Planning, Financial Planning for Women, Integrated Wealth

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