Carlson Capital Management

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Financial Advisors

Articles and resources related to Financial Advisors.

A Family Meeting: One of the Best Things You Can Do for Your Family in 2021

Matt Morehead
Matt Morehead, J.D., CEBS

Senior Integrated Wealth Advisor
507.206.2801
507.206.2811 (Fax)
Email Matt

  Helping our clients do great things with their wealth over time, as defined by them, and witnessing their resulting fulfillment, is extremely gratifying to me.  

Professional Biography
Matt Morehead is a Senior Integrated Wealth Advisor at Carlson Capital Management. In this role, Matt partners with clients and their families, providing the firm's fully integrated wealth management experience including investment management, retirement modeling, estate and educational planning and all other aspects of general financial planning and client care. In this role, Matt 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.

Matt joined CCM with more than ten years of experience serving the wealth management needs of affluent individuals and families in various leadership roles at firms in both Denver, Colorado and Baltimore, Maryland. Matt received his Bachelor of Science degree, with honors, from the United States Coast Guard Academy, and began his career as a Coast Guard Officer in Duluth, Minnesota, driving an ice-breaking and search-and-rescue ship on Lake Superior. After his shipboard tour in Duluth, he then went back to the Coast Guard Academy as an admissions officer and leadership instructor, and simultaneously earned his Juris Doctorate from the University of Connecticut School of Law and his Certified Employee Benefit Specialist (CEBS) designation from the Wharton School of Business at the University of Pennsylvania and the International Foundation of Employee Benefit Plans. Matt’s tenure as a wealth advisor followed law school, when he turned in his Coast Guard uniform for a coat and tie to serve people in a different way, helping a small group of individuals and families navigate the often difficult waters of properly managing their wealth.

Matt has been recognized with numerous Coast Guard awards, as a Forty Under Forty rising business leader in Denver, Colorado, and as a Denver area Five Star Wealth Manager for his work with affluent families. Community engagement is a priority for Matt. Through the years he has been an active member with Rotary International, and currently serves on the board of directors for the Rochester Area Chamber of Commerce as well as for the pediatric transplant house, Cy's Place. Matt enjoys playing golf, cooking, and being a dedicated hockey dad and chauffeur. Matt, his wife Heather, and their son and daughter reside on the beautiful campus of Shattuck-St. Mary’s in Faribault, Minnesota. Matt is based in CCM's downtown location in Rochester, Minnesota.

Personal Thoughts
When I was a football player at the U.S. Coast Guard Academy, there was a saying above our locker room door that read, “Obstacles are what you see when you take your eyes off the goal.” That quote has stuck with me through the years, having more relevance to me now as an Integrated Wealth Advisor at CCM than as a young cadet at the Academy. I enjoy getting to know each of our clients on a deep level, understanding their goals, and in many cases, helping them to determine and prioritize their goals for the future. I then enjoy partnering with my CCM colleagues in their specific areas of wealth management expertise to make these goals actually happen, continually trying our absolute collective best to jump over, crawl under, or go around the obstacles that can inevitably pop up along the way. Helping our clients do great things with their wealth over time, as defined by them, and witnessing their resulting fulfillment, is extremely gratifying to me. I can’t think of a more worthwhile and satisfying pursuit.

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

Matt Morehead
Matt Morehead, J.D., CEBS
Senior Integrated Wealth Advisor

In my 20 years of working as a wealth advisor for hundreds of high net worth families, I have found facilitating family meetings to be one of the most meaningful and impactful things I do. An effective family meeting opens up the lines of communication regarding a family’s shared values around money and wealth and can become an unforgettable family bonding experience paying dividends for many years into the future. Taboo Topics Handled With Care We live in a society where conversations ... [Continue Reading]

Published January 15, 2021 Topics: Estate Planning, Family Meetings, Financial Advisors, Financial Planning, Integrated Wealth

Dementia-friendly Wealth Management

Valerie Thomas, CTFA

Senior Integrated Wealth Advisor
651.319.8076
651.438.9818 (Fax)
Email Val

  It is so rewarding to help others identify their goals and work toward defining and creating their desired legacy.  

Professional Biography
Val Thomas is a Senior Integrated Wealth Advisor at Carlson Capital Management. As a Senior Advisor, Val 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, Val also connects clients with the firm's specialists for overall portfolio management as well as for direct access to expertise in areas such as tax planning and insurance analysis.

Val joined CCM with more than twenty-two years of experience serving clients by advising on all aspects of wealth management. In addition to her most recent experience as a wealth advisor with a large Twin Cities firm, prior professional roles include serving as a founding member of Marquette Asset Management where she acted in an array of key positions as the organization grew from a start-up to a robust wealth management firm. Her career began with Wells Fargo’s Lowry Hill Private Wealth Management (now Abbot Downing) where she provided wealth management services to families. Her expertise also includes family office services and trust and estate administration oversight. Val enjoys all aspects of wealth management, and finds the relationships she develops with clients and their families to be the most rewarding part of her work. She also enjoys developing and leading teams.

Val holds a Bachelor of Science degree in Business Administration from the University of Northwestern in St. Paul, where she graduated with highest honors. She is also a Trust School graduate of Cannon Financial Institute in Athens, Georgia. In addition, Val has attained the Certified Trust Financial Advisor designation and is a candidate for CFP® certification.

Val's spare time is filled with family activities, such as bike rides, amusement parks, downhill skiing, board games, and watching youth football and basketball. She and her husband are known for their date nights, which typically involve good food, local live music and dancing. They love to travel – particularly to destinations that allow them to keep their SCUBA certification up-to-date. Val is a Minnesota native, growing up partly in the Twin Cities and partly in a small rural town in the “Lake Country” near Alexandria. She currently lives in Falcon Heights with her husband, Stacy, and their two sons.

Personal Thoughts
I wish there was a word that perfectly combined the essence of blessed, fortunate and grateful. This is how I feel having the privilege to help people with something as important as their financial journey – especially when I reflect upon my own career path.

As a young girl, I was painfully shy. The kind of shy where if someone would look at me my ears would burn and my face would blush. In the classroom, I remember how even the thought of being called on would cause sweaty palms and knots in my stomach.

Fast forward to junior high when the pastor’s wife, Marlene, asked me if I wanted to take voice lessons in exchange for watching her children during her other students’ piano and voice lessons. I’m forever grateful for the opportunity she gave me. Imagine that painfully shy girl only a few short years later singing solos at vocal competitions! From then on, my desire was to become a music teacher so I could make the same meaningful impact for others as Marlene had done for me. I knew I would have to work my way through college in order to graduate with my goal of incurring no student loans, so I graduated high school early so I could start taking college courses in the evenings.

My son at the age of four once asked me, “Mommy, can we take the long cut today?” and I believe that’s a perfect analogy to the next turn in my career path. A few years into my taking the “long cut” to getting a college degree, I was hired as a Financial/Investment Assistant at a wealth management firm. Two principals of the firm saw potential in me as a future advisor. With the help of some exceptional mentors, I built my knowledge and grew in my responsibilities, and I came to realize the impact I could have through serving clients and their families. I ultimately changed my major from Music Education to Business Administration and went on to complete my undergraduate degree as well as other specialized training and various industry-specific credentials.

In my case, the “long cut” was the perfect path. Now, with almost 24 years of serving clients, I reflect with gratitude on all I’ve been trusted with. It is so rewarding to help others identify their goals and work toward defining and creating their desired legacy. I am deeply blessed, fortunate and grateful.

Members of the CCM Advisory Team regularly post articles of interest on financial planning which you can find here.

Valerie Thomas
Valerie Thomas, CTFA
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 ... [Continue Reading]

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

Lessons From a Previous Life

Matt Morehead
Matt Morehead, J.D., CEBS

Senior Integrated Wealth Advisor
507.206.2801
507.206.2811 (Fax)
Email Matt

  Helping our clients do great things with their wealth over time, as defined by them, and witnessing their resulting fulfillment, is extremely gratifying to me.  

Professional Biography
Matt Morehead is a Senior Integrated Wealth Advisor at Carlson Capital Management. In this role, Matt partners with clients and their families, providing the firm's fully integrated wealth management experience including investment management, retirement modeling, estate and educational planning and all other aspects of general financial planning and client care. In this role, Matt 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.

Matt joined CCM with more than ten years of experience serving the wealth management needs of affluent individuals and families in various leadership roles at firms in both Denver, Colorado and Baltimore, Maryland. Matt received his Bachelor of Science degree, with honors, from the United States Coast Guard Academy, and began his career as a Coast Guard Officer in Duluth, Minnesota, driving an ice-breaking and search-and-rescue ship on Lake Superior. After his shipboard tour in Duluth, he then went back to the Coast Guard Academy as an admissions officer and leadership instructor, and simultaneously earned his Juris Doctorate from the University of Connecticut School of Law and his Certified Employee Benefit Specialist (CEBS) designation from the Wharton School of Business at the University of Pennsylvania and the International Foundation of Employee Benefit Plans. Matt’s tenure as a wealth advisor followed law school, when he turned in his Coast Guard uniform for a coat and tie to serve people in a different way, helping a small group of individuals and families navigate the often difficult waters of properly managing their wealth.

Matt has been recognized with numerous Coast Guard awards, as a Forty Under Forty rising business leader in Denver, Colorado, and as a Denver area Five Star Wealth Manager for his work with affluent families. Community engagement is a priority for Matt. Through the years he has been an active member with Rotary International, and currently serves on the board of directors for the Rochester Area Chamber of Commerce as well as for the pediatric transplant house, Cy's Place. Matt enjoys playing golf, cooking, and being a dedicated hockey dad and chauffeur. Matt, his wife Heather, and their son and daughter reside on the beautiful campus of Shattuck-St. Mary’s in Faribault, Minnesota. Matt is based in CCM's downtown location in Rochester, Minnesota.

Personal Thoughts
When I was a football player at the U.S. Coast Guard Academy, there was a saying above our locker room door that read, “Obstacles are what you see when you take your eyes off the goal.” That quote has stuck with me through the years, having more relevance to me now as an Integrated Wealth Advisor at CCM than as a young cadet at the Academy. I enjoy getting to know each of our clients on a deep level, understanding their goals, and in many cases, helping them to determine and prioritize their goals for the future. I then enjoy partnering with my CCM colleagues in their specific areas of wealth management expertise to make these goals actually happen, continually trying our absolute collective best to jump over, crawl under, or go around the obstacles that can inevitably pop up along the way. Helping our clients do great things with their wealth over time, as defined by them, and witnessing their resulting fulfillment, is extremely gratifying to me. I can’t think of a more worthwhile and satisfying pursuit.

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

Matt Morehead
Matt Morehead, J.D., CEBS
Senior Integrated Wealth Advisor

For nearly 20 years, I’ve had the privilege of working with clients to create financial plans that are designed to help them achieve their life goals. In this time, I have found that experience is the greatest teacher. I have learned so much by going through multiple market cycles and working with a wide variety of individuals and families, each with their unique set of circumstances. Periods marked by significant market volatility and economic uncertainty, most especially the Global Financial ... [Continue Reading]

Published May 5, 2020 Topics: Financial Advisors, Financial Planning, Market Volatility, Wealth Equation

Financial Checklist for Young Adults: Essential Tips for College Students

Valerie Thomas, CTFA

Senior Integrated Wealth Advisor
651.319.8076
651.438.9818 (Fax)
Email Val

  It is so rewarding to help others identify their goals and work toward defining and creating their desired legacy.  

Professional Biography
Val Thomas is a Senior Integrated Wealth Advisor at Carlson Capital Management. As a Senior Advisor, Val 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, Val also connects clients with the firm's specialists for overall portfolio management as well as for direct access to expertise in areas such as tax planning and insurance analysis.

Val joined CCM with more than twenty-two years of experience serving clients by advising on all aspects of wealth management. In addition to her most recent experience as a wealth advisor with a large Twin Cities firm, prior professional roles include serving as a founding member of Marquette Asset Management where she acted in an array of key positions as the organization grew from a start-up to a robust wealth management firm. Her career began with Wells Fargo’s Lowry Hill Private Wealth Management (now Abbot Downing) where she provided wealth management services to families. Her expertise also includes family office services and trust and estate administration oversight. Val enjoys all aspects of wealth management, and finds the relationships she develops with clients and their families to be the most rewarding part of her work. She also enjoys developing and leading teams.

Val holds a Bachelor of Science degree in Business Administration from the University of Northwestern in St. Paul, where she graduated with highest honors. She is also a Trust School graduate of Cannon Financial Institute in Athens, Georgia. In addition, Val has attained the Certified Trust Financial Advisor designation and is a candidate for CFP® certification.

Val's spare time is filled with family activities, such as bike rides, amusement parks, downhill skiing, board games, and watching youth football and basketball. She and her husband are known for their date nights, which typically involve good food, local live music and dancing. They love to travel – particularly to destinations that allow them to keep their SCUBA certification up-to-date. Val is a Minnesota native, growing up partly in the Twin Cities and partly in a small rural town in the “Lake Country” near Alexandria. She currently lives in Falcon Heights with her husband, Stacy, and their two sons.

Personal Thoughts
I wish there was a word that perfectly combined the essence of blessed, fortunate and grateful. This is how I feel having the privilege to help people with something as important as their financial journey – especially when I reflect upon my own career path.

As a young girl, I was painfully shy. The kind of shy where if someone would look at me my ears would burn and my face would blush. In the classroom, I remember how even the thought of being called on would cause sweaty palms and knots in my stomach.

Fast forward to junior high when the pastor’s wife, Marlene, asked me if I wanted to take voice lessons in exchange for watching her children during her other students’ piano and voice lessons. I’m forever grateful for the opportunity she gave me. Imagine that painfully shy girl only a few short years later singing solos at vocal competitions! From then on, my desire was to become a music teacher so I could make the same meaningful impact for others as Marlene had done for me. I knew I would have to work my way through college in order to graduate with my goal of incurring no student loans, so I graduated high school early so I could start taking college courses in the evenings.

My son at the age of four once asked me, “Mommy, can we take the long cut today?” and I believe that’s a perfect analogy to the next turn in my career path. A few years into my taking the “long cut” to getting a college degree, I was hired as a Financial/Investment Assistant at a wealth management firm. Two principals of the firm saw potential in me as a future advisor. With the help of some exceptional mentors, I built my knowledge and grew in my responsibilities, and I came to realize the impact I could have through serving clients and their families. I ultimately changed my major from Music Education to Business Administration and went on to complete my undergraduate degree as well as other specialized training and various industry-specific credentials.

In my case, the “long cut” was the perfect path. Now, with almost 24 years of serving clients, I reflect with gratitude on all I’ve been trusted with. It is so rewarding to help others identify their goals and work toward defining and creating their desired legacy. I am deeply blessed, fortunate and grateful.

Members of the CCM Advisory Team regularly post articles of interest on financial planning which you can find here.

Valerie Thomas
Valerie Thomas, CTFA
Senior Integrated Wealth Advisor

One of the most meaningful gifts a young person can receive as they strike out on their own after high school is wise counsel on financial matters. As a new school year begins, we wanted to share the following guidelines and important actions to help young adults in our clients' lives to build a strong foundation and get a sound start on their financial journey. Avoid Consumer Debt and Be Careful With Student Loans The fastest way to financial success is to avoid debt, because not having ... [Continue Reading]

Published September 16, 2019 Topics: Budgeting, CCM Women's Initiative, Children and Finances, Financial Advisors, Financial Planning, Financial Planning for Women, Financial Planning for Young Adults

Have You Considered a Family Meeting?

Katy Vermeer
Katy Vermeer, CFP®

Senior Integrated Wealth Advisor
952.230.6707
952.230.6710 (Fax)
Email Katy

  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

What image does a “family meeting” conjure up for you? Do you think of your childhood when your parents would ominously announce, “It’s time for a family meeting!” or maybe it’s your spouse asking, “Does this incident warrant a family meeting?” In our home, one form of a family meeting occurred when my husband and I had casual discussions with our three kids over dinner when we would say something along the lines of, “We have something important to talk about.” I recently asked our young adult ... [Continue Reading]

Published July 18, 2019 Topics: CCM Women's Initiative, Financial Advisors, Financial Planning, Financial Planning for Women

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