Carlson Capital Management

Integrated Wealth Management

Menu 
  • Our Firm
    • Who We AreFirmly grounded in foundational values, and intensely focused on each client’s well-being, Carlson Capital Management has been redefining partnership for more than thirty years.
    • Our TeamOur approach to wealth management is to surround you with a team of experts who work together to integrate all of the key financial disciplines into one plan.
    • HistoryKey events and milestones since the founding of our firm in 1987.
    • Community CommitmentIn the same way that we value the deep and lasting partnerships we have with our clients, we place a strong value on being partners in our communities.
    • Mission StatementOur team is guided by this mission each and every day. It’s what gets us up in the morning, and sometimes keeps us awake at night.
    • Zero Alpha GroupFounded in 1995, the Zero Alpha Group community is a national network of eight independent investment advisory firms.
  • Our Clients
    • Client ProfileOur clients are individuals, families, businesses and foundations with many varying goals and situations, but one thing in common – the need and desire for integrated solutions.
    • Fiduciary StandardsIntegrity, trust, expertise and care are hallmarks of the CCM experience. They are at the root of all we do and the essence of who we are.
    • Fee StructureOur independent, fee-based status allows us to focus on one simple thing: what is in the best interest of our client.
    • Make a ReferralThe majority of new clients come from referrals from current clients. Access information that introduces colleagues and friends to Carlson Capital Management.
  • Our Approach
    • Foundational ValuesOur deep commitment to each client we serve is built upon foundational values like honesty, hard work, and a strong sense of personal dedication.
    • Integrated ExpertiseOur unique, integrated approach to wealth management unlocks opportunities that our clients and their families deserve.
    • Disciplined PerspectiveOur long-term perspective provides the patience, guidance and discipline required for steady growth and protection.
    • Independent InsightOur independent, fee-based structure ensures the highest levels of objectivity, integrity, and fiduciary responsibility.
  • Services
    • Integrated Wealth ManagementOur Integrated Wealth Management approach surrounds clients with a team who apply their expertise to integrate all of the financial disciplines.
    • Carlson PortfoliosCarlson Portfolios offers a solution for clients whose situations are less complex than a traditional CCM Integrated Wealth Management client.
    • Retirement Plan ServicesComprehensive integrated retirement plan solutions.
    • Institutional Portfolio ServicesInvestment advisory and fiduciary consulting for foundations, endowments and associations.
    • Risk ManagementSome things in life are predictable, while others are random. Managing risk is as important as seeking opportunities.
    • American Center for PhilanthropyWe develop and implement a philanthropic plan that matches your desire to make a difference and leave a legacy.
    • CCM Tax & Trust AdministrationA commonly-held affiliate of CCM that provides tax return preparation services.
    • Carlson TrustProvides trust solutions for clients whose financial, family or business needs require the services of a professional fiduciary.
  • News and Resources
    • Recommended ReadingArticles and resources to give you access to our top picks in investment education, timely industry perspectives, interesting data and financial planning insights.
    • Articles and PublicationsA library of topical publications and articles written by CCM team members specifically for our clients.
    • CCM In the NewsA collection of articles, links and press releases featuring CCM, including interviews in publications and features in national industry rankings.
    • Video LibraryShort videos that introduce you to our team, our approach and the CCM story.
    • Women’s InitiativeResources and information related to CCM’s Women’s Initiative: Promoting the Financial Empowerment of Women.
    • Introduce CCM to OthersThe majority of new clients come from referrals from current clients. Access information that introduces colleagues and friends to CCM.
  • Contact Us
    • Request a ConversationTake the next step in learning more about our integrated wealth management services by requesting a conversation with one of our advisors.
    • Contact Our TeamEmail one of our team members directly or send a general inquiry to the firm.
    • Client Servicing ContactsFind the CCM team member who can help with your specific question or request.
    • Join a MeetingJoin your scheduled meeting with Carlson Capital Management.
    • LocationsWe always appreciate the opportunity to meet face-to-face in one of our offices or at a location convenient to you.
    • CareersLearn about employment opportunities and apply online.
  • Request a Call

Retirement Planning

Articles and resources related to Retirement Planning.

Charitable Remainder Trusts: A Win-Win Strategy for Donors and Charities

Kim Diemer, CFP®

Integrated Wealth Advisor
952.230.6714
952.230.6710 (Fax)
Email Kim

  As a daughter of two perpetual volunteers, my greatest satisfaction is when I can create a positive impact on the lives of others.  

Professional Biography
Kim Diemer serves as an Integrated Wealth Advisor at Carlson Capital Management. As part of the advisory team, Kim 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, Kim 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.

Kim holds a Bachelor of Arts degree from Tulane University. During her time at Tulane, she served as a student government representative and was President of the Women’s Ultimate Frisbee team. Following college, Kim served for a year as an AmeriCorps Fellow in New Orleans, Louisiana. She then went on to earn a Master of Science Degree in Personal Financial Planning from Texas Tech University, where she was Vice President of Red to Black Peer Financial Coaching, a group that provided one-on-one financial coaching for other students. Kim holds the Certified Financial Planner™ certification granted through the Certified Financial Planner Board of Standards.

Kim joins CCM with experience as a financial planning intern with a Twin Cities wealth advisory firm, and three years’ experience working as an office manager for the Public Defender’s Office in New Orleans. In her free time, Kim likes to explore running trails and restaurants in the Twin Cities and spend time with friends and family. Kim is originally from Grand Junction, Colorado, and now resides in South Minneapolis.

Personal Thoughts
Pull out a $20 from your wallet. You don't have to look at the number to know what denomination it is, with the familiar face of Andrew Jackson on the front. When you look at details of his face, you see a furrowed brow, a slightly dropped chin, unconstrained hair, and eyes looking toward the future. Cold, hard cash seems to soften in the hand when you contemplate the expressions of a man at the center of conflict and hopes of someone who led a nation.

I find that for the vast majority of people, wealth is not about the number on the bill or the size of the number on the statement. Achieving financial success is about the same concerns of the face on that bill. Having financial success represents hopes that are unique to each person -- it could mean quality time with loved ones, a comfortable life, exploration through travel, or joy in generosity.

As a daughter of two perpetual volunteers, my greatest satisfaction is when I can create a positive impact on the lives of others. Through building trusting relationships, I am committed to helping achieve well-being in whatever form that takes for our clients.

Kim Diemer
Kim Diemer, CFP®
Integrated Wealth Advisor
Paige Woods, CPA

Senior Tax Advisor
952.230.6716
952.230.6710 (Fax)
Email Paige

Professional Biography
Paige Woods serves as a Senior Tax Advisor as part of the Carlson Capital Management team as well as with CCM Tax & Trust Administration, a wholly-owned affiliate of Carlson Capital Management. Paige works closely with the advisory team to deliver clients fully integrated wealth management services, lending her experience to proactive tax-related planning. As a member of the Tax Team, Paige has responsibility for preparation, review, and completion of individual and trust tax returns and tax projections. She also participates in client meetings and serves as a tax resource for clients. Paige provides service both individually and collaboratively with other advisors to develop customized recommendations.

Paige’s most recent experience includes four-and-a-half years as a tax senior for a Minneapolis CPA firm. In this role, she worked in a variety of capacities providing tax compliance services—preparing and reviewing individual, fiduciary, partnership, and corporate returns. She also reviewed complex gift tax and estate returns and assisted in subsequent tax planning related to estate administration, as well as provided consultative scenario-based tax planning services for clients. Paige also served in a coaching role for early senior-level consultants, providing hands-on technical skills training, mentorship, and professional development. Paige is a Certified Public Accountant (CPA) and a member of the American Institute of Certified Public Accountants.

Paige is a graduate of the University of North Dakota, where she earned her Bachelor of Accountancy, graduating cum laude. Outside of work, she enjoys spending time checking out the foodie and brewery scene in the North Loop neighborhood of Minneapolis with friends and family, especially the pet-friendly places so her bulldog, Cash, can join. Paige grew up in Thief River Falls, Minnesota, and now resides in downtown Minneapolis.

Personal Thoughts
“I read of a man who stood to speak at the funeral of a friend. He referred to the dates on her tombstone from the beginning ... to the end. He noted that first came the date of her birth and spoke the following date with tears, but he said what mattered most of all was the dash between those years; for that dash represents all the time she spent alive on earth, and now only those who loved her know what that little line is worth … so when your eulogy is being read with your life’s actions to rehash, would you be proud of the things they say about how you spent your dash?"

The above excerpts from “The Dash,” by Linda Ellis may hit home for each of us. For me, these words are a reminder that life is finite and fleeting.  Each day that I am lucky enough to wake up, I will behave intentionally and purposefully, always asking myself if my next move will get me a small step closer not only to where I ultimately envision myself, but also if that move will help to get those around me closer to their big picture goals.

We each have the same 24 hours every day that we choose what to do with. My colleagues and I choose to spend our hours each work day serving our valued clients by cultivating relationships and learning their unique stories, cohesively making every decision in each client’s best interests, so they can, in turn, spend their hours continuing to pursue their lifetime passions with peace of mind, knowing their thoughtfully developed wealth plan is in trusted hands.

The CCM Tax Team regularly posts articles of interest on tax planning topics which you can find here.

Paige Woods
Paige Woods, CPA
Senior Tax Advisor

Charitable remainder trusts (CRTs) can create wonderful opportunities for charities, while providing significant benefits to donors and their families. In addition to allowing donors the opportunity to have a substantial impact on a cause they care about, CRTs provide the ability to positively impact an investment portfolio and cash flow while reducing taxes. In fact, with recent tax law changes, a CRT can be used to stretch out the tax deferral of retirement accounts for heirs. A key ... [Continue Reading]

Published August 20, 2020 Topics: CCM Women's Initiative, Charitable Remainder Trust (CRT), Philanthropic Planning, Retirement Planning, Tax Planning

Should I Contribute to a Roth 401(k) Instead of the Traditional 401(k)?

Kevin Koski
Kevin Koski, CPA

Principal Tax Advisor
651.319.8067
651.438.9818 (Fax)
Email Kevin

Professional Biography
Kevin Koski serves as Principal Tax Advisor at Carlson Capital Management and with CCM Tax & Trust Administration, a wholly-owned affiliate of Carlson Capital Management. Kevin works closely with the advisory team to deliver clients fully integrated wealth management services, lending his experience to proactive tax-related planning. As a senior member of the Tax Team, Kevin plays a lead role and helps to oversee the preparation, review, and completion of individual and trust tax returns and tax projections. Kevin participates in client meetings and serves as a tax resource for clients, both individually and collaboratively with other advisors, to develop customized recommendations.

Kevin came to CCM with strong expertise having worked with clients at a St. Paul CPA firm for 15 years. In his role there, Kevin provided leadership and direction for the firm’s tax services practice, and advised clients on income and estate tax matters. Kevin was also an advisor on general financial planning topics such as stock option analysis, charitable planning, and gifting strategies for high-net-worth individuals and families. Kevin is a member of the American Institute of Certified Public Accountants and the Minnesota Society of CPAs.

Kevin grew up in Virginia, Minnesota and is a graduate of the University of Minnesota-Duluth, where he earned his bachelor’s degree in accounting. Shortly following graduation, Kevin earned his Certified Public Accountant (CPA) status. Outside of work, Kevin has three children and enjoys volunteering as a coach and assistant with their athletic teams. Kevin and his family reside in South Minneapolis.

Kevin and other members of the CCM Tax Team regularly post articles of interest on tax planning topics which you can find here.

Kevin Koski
Kevin Koski, CPA
Principal Tax Advisor

With many employer-based retirement plans (i.e. 401(k) or 403(b) plans) now offering a choice between making contributions into a Roth or a Traditional option, a conversation we frequently have with clients centers on the difference between contributing to one versus the other. As with most financial and tax planning questions, the answer depends a great deal on your personal situation, but there are several factors that are generally the most important to consider in deciding if a Roth is a ... [Continue Reading]

Published July 17, 2019 Topics: 401(k) Plans, Contributions into a 401(k) Plan, Retirement Planning, Tax Planning

Reading the Fine Print — Optimizing Your Employer’s Retirement Plan

Matthew Rich
Matthew Rich, CFP®, J.D.

Senior Integrated Wealth Advisor
507.321.4030
507.645.6408 (Fax)
Email Matthew

  Our clients deserve our best at every stage in the relationship, and it is exciting to be part of a firm that embraces that responsibility and is constantly looking for new opportunities to deliver an extraordinary client experience.  

Professional Biography
Matthew Rich is a Senior Integrated Wealth Advisor at Carlson Capital Management. As a Senior Advisor, Matthew 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, Matthew 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.

After earning a Bachelor of Arts degree from Gustavus Adolphus College, Matthew went on to receive his Juris Doctor from William Mitchell College of Law. He also holds the Certified Financial Planner™ designation granted through the Certified Financial Planner Board of Standards. Before joining CCM, Matthew practiced as an attorney helping individuals and small businesses develop practical solutions to complex legal issues. Throughout his career, he has sought opportunities to merge advocacy and leadership, and currently serves on the board of the Northfield Retirement Community. Matthew is a former board member of the Community Action Center of Northfield, HealthFinders Collaborative, and the Northfield Hockey Association. He has also served as President for both Northfield Rotary and Northfield Sertoma. He and his wife, Leah, reside in Northfield, Minnesota, with their four children.

Personal Thoughts
Success can be measured by the quality of the relationships one keeps. Relationships are built on trust and integrity, and the former is established through the unyielding execution of the latter. That is how I approach my work, and I appreciate the opportunity to partner with clients and colleagues who share my values. Our clients deserve our best at every stage in the relationship, and it is exciting to be part of a firm that embraces that responsibility and is constantly looking for new opportunities to deliver an extraordinary client experience.

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

Matthew Rich
Matthew Rich, CFP®, J.D.
Senior Integrated Wealth Advisor

When new office employees are starting a new job, they often go through the same routine. The first few days are spent locating the break room, finding a good parking spot, and orienting to the cultural norms. Then there’s the meeting with human resources—you get a key card, complete payroll deduction paperwork, and review compliance documents. Dental insurance? Extra life insurance? How much should the company take out for 401(k) contributions? Pre-tax or after tax? Most people go with the ... [Continue Reading]

Published April 17, 2019 Topics: Financial Advisors, Financial Planning, Retirement Planning, Tax Planning

The Power of Budgeting

Cami Peterson, CPA, CPFA, AIF®

Director of Retirement Plan Services
952.230.6709
952.230.6710 (Fax)
Email Cami

Cami Peterson serves as Director of Retirement Plan Services at Carlson Capital Management. In this role, Cami leads the team serving 401(k) and other qualified plan clients. This includes working with plan sponsors, trustees, investment committee members, and plan administrators, to build and optimize successful retirement plans, and with plan participants to provide them with the tools and resources to give them the best chance for a successful retirement.

Cami brought more than twelve years of experience in the financial services industry to her position at CCM. She began her career by earning her CPA designation and working as a senior accountant for a large corporate accounting firm. She then served as a controller for a large home builder before starting as a financial advisor with a leading Twin Cities financial services organization, and subsequently, a regional RIA. During her time as an advisor, Cami developed a passion for working with business owners and plan fiduciaries to design and deliver high quality, effective 401(k) and other qualified plans. She believes the role of retirement plans is to create successful outcomes for employees and optimize business outcomes for employers. She has the depth of experience within the retirement planning industry which allows for a unique and creative approach to design plans that align with corporate goals and objectives. Cami particularly enjoys working with plan participants to provide proactive educational opportunities and resources that position them to maximize their retirement accumulation opportunities.

Cami grew up in the Twin Cities and graduated from the University of Minnesota-Duluth, with a Bachelor's degree in accounting. Shortly following graduation, Cami earned her Certified Public Accountant (CPA) license. In addition, she holds the Certified Plan Fiduciary Advisor (CPFA) designation. She has been a member of the American Society of CPAs and the Minnesota Society of CPAs since 1999 and ASPPA since 2011. In 2015, Cami was named a National Association of Plan Advisors Top Women Advisor Captain due to her significant contributions to the retirement planning industry and her role as leader in her firm’s retirement plan division. Outside of work, Cami enjoys spending time with her family at their cabin in northern Minnesota and spending as much time outdoors as possible doing a variety of activities. Her community involvement includes being active with the Autism Society of Minnesota, volunteering for United Way, Feed My Starving Children, and the Sheridan Story. Cami and her husband, Ken, live in Coon Rapids, Minnesota, with their three children.

Cami Peterson
Cami Peterson, CPA, CPFA, AIF®
Director of Retirement Plan Services

As we move quickly along into a new year and embrace the opportunity of fresh starts, we often experience feelings of hope, inspiration, and anticipation. A new year is a natural time to pause and evaluate what has gone well in the past and what we want to improve in the future. We set goals, make resolutions, and envision the future we want to create. Many individuals have goals relating to their finances. For some this may be to save for a large purchase or trip. For others this may be to save ... [Continue Reading]

Published February 28, 2019 Topics: Budgeting, CCM Women's Initiative, Financial Advisors, Financial Planning, Financial Planning for Women, Retirement Planning

Retirement Planning: Reflecting on the Journey

Callie Geist
Callie Geist, CFP®, J.D., MBA

Integrated Wealth Advisor
952.230.6706
952.230.6710 (Fax)
Email Callie

  Working with our clients' finances is very personal, and for them to allow us into that space is a real privilege.  

Professional Biography
Callie Geist is an Integrated Wealth Advisor at Carlson Capital Management. As part of the advisory team, Callie 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, Callie 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.

Callie holds a Bachelor of Arts degree in Organizational Communication from Creighton University where she graduated cum laude. She went on to earn a Juris Doctor from the Creighton University School of Law, and is a member of Phi Delta Phi, an international legal fraternity. In addition, Callie holds an MBA from Kaplan University, and the Certified Financial Planner™ designation granted through the Certified Financial Planner Board of Standards.

Callie joined CCM after serving as a Tax Staff Accountant at a South Dakota company. As a law student and undergraduate, Callie clerked with the Kellogg & Palzer firm in Omaha, Nebraska, and worked in human capital with the SilverStone Company. Callie grew up in Northwest Iowa, and now telecommutes from Omaha where she resides with her husband, Aaron. She is a fan of Minnesota sports teams, enjoys cooking and spending time with her family, friends and her faithful dogs, Brin and Charlotte.

Personal Thoughts
My interest in financial planning began when I was sixteen years old and working at one of my very first jobs. This job was in a wonderful gift shop with a small café in my hometown of Storm Lake, Iowa. I enjoyed every aspect of this job: unpacking merchandise, wrapping gifts, prepping food in the kitchen, waiting on tables, etc. However, my favorite part of the job was getting to know the customers and helping them find exactly what they were looking for. One such customer was Don, a businessperson in his 60’s who was a regular patron of the café. He would come in almost daily at the end of every lunch service. I loved sitting at the table with him and chatting.

During one of our conversations, he shared with me his number one financial recommendation: open a Roth IRA and save 10% of your income into that account. Don’t worry about the dollar amount you’re contributing, he said, but focus on creating the habit. We talked about the impact that this could have on my finances long-term. So I went to the local bank where an incredibly kind woman, Julie, took the time to walk me through opening this account and answer all of my questions. Every two weeks when I was paid, I would go the bank to cash my check and contribute 10% into my Roth IRA. While the dollar amount was small, I felt empowered about making smart financial decisions. I knew that I was doing the best I could with what I had at the time.

In my role as an advisor, I love building strong relationships with my clients and learning about the people and things that matter most to them, the goals and dreams they have, and the things that keep them up at night. Just as Don and Julie helped educate and encourage me many years ago, my goal as an advisor is to walk alongside my clients as they navigate the financial obstacles and opportunities in life, so that they can feel empowered and energized in knowing they are doing the best they can with what they have.

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

Callie Geist
Callie Geist, CFP®, J.D., MBA
Integrated Wealth Advisor

Co-Authored by Katy Vermeer Retirement planning involves a multi-faceted analysis that requires a combination of data gathering, quantitative and qualitative analysis, and discernment. It is an on-going process that offers peace of mind to our clients as their life goals evolve. As people approach their retirement years the number one question advisors are often asked is, “Do I have enough?” While the internet offers a host of formulas, calculators, and rules of thumb to answer this ... [Continue Reading]

Published July 23, 2018 Topics: CCM Women's Initiative, Financial Advisors, Financial Planning, Financial Planning for Women, Retirement Planning

  • 1
  • 2
  • 3
  • Next Page →

DO NOT DELETE

News & Resources

  • Articles and Publications
  • CCM In the News
  • Recommended Reading
  • Video Library

Topics

Active Management Alternative Investments Annual Returns Bond Portfolio Brexit CCM Women's Initiative Charitable Giving Dimensional Fund Advisors Discipline Diversification Economy Estate Planning Financial Advisors Financial Planning Financial Planning for Women Integrated Wealth Investment Insight Investor Returns IRAs Market Conditions Market Volatility Philanthropic Planning Politics and Markets Portfolio Management Rebalancing Retirement Planning Tax Planning Tax Reform Trusts Video

Contact Us

Contact us for a complimentary discovery meeting or for a second opinion on your current financial plan.

Contact Us

Email Updates

To get email notifications when CCM posts new articles sign up here for content updates:

  • Home
  • Our Firm
  • Our Clients
  • Our Approach
  • Services
  • News and Resources
  • Client Login
  • Careers
  • Contact Us

Please review Important Disclosure Information related to this website.
 

© 2021 Carlson Capital Management, LLC, d/b/a Carlson Capital Management. Website by Computer Titan.