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15138 Yellow Pine Street North West, Andover, MN 55304

(763) 639-0868
tom@conneranfinancial.com

Our Services
Strategic Solutions for a Complex Financial World

How We Help
Precision Where It Counts

Financial planning isn't one decision — it's hundreds of them, made over time, in the right order, and with the right information. That's where our team comes in. We bring a structured, analytical approach to every aspect of your financial life, and we strive to connect each piece so nothing is left to chance. Whether you're building wealth, preparing for retirement, or navigating a major transition, our goal is to bring clarity and discipline to every move you make.

Our Solutions
Comprehensive Strategies, Individually Designed

Every financial situation carries its own complexity. We offer a full range of services built to address yours — with the depth and rigor your goals demand.


Investor Education

Together, we will work to develop a plan and implement a process to help achieve your financial goals. It is important that you, the investor, understand the steps we are taking to invest your funds. If I am unable to make sense of investing, then I may not be the right Financial Advisor for you. I will ask at our meetings, in person or on the phone, "what questions do you have". Let’s discuss issues and concerns. These are opportunities to make sense of your investing as well as consider investment adjustments that may be appropriate.


Small Business Owners

Hello Business Owners! At some point you may realize that as your business revenue increases you will want to have an economical and affordable retirement plan. There are many options. Tom will work with you, your accountant, and trusted advisers to recommend an economical set of alternatives for you and your employees. Simple, SEP, Safe Harbor 401k, Owner 401k and other solutions are just a few options. You will also receive investment advice and service that the big businesses wish they could get. 


529 College Plan

A college savings plan is a type of qualified tuition program established under Section 529 of the Internal Revenue Code. College savings plans are established by states and typically managed by an experienced financial institution designated by the state.

A college savings plan lets you save money for a child's college or graduate school education in an individual investment account. Although the details of college savings plans vary by state, the basics include the ability to offer tax deferred growth. Also, withdrawals used for the beneficiary's qualified education expenses are income tax free at the federal level.


Coverdell Savings

A Coverdell education savings account is a tax-advantaged educational savings account that you can establish for any child under the age of 18 (this age limit does not apply to beneficiaries with special needs).

Contributions to a Coverdell ESA can total up to $2,000 each year. Contributions are made with after-tax dollars, but distributions used to pay qualified education expenses are income tax free at the federal level. States may also exempt such distributions from state income tax.

Note: The provisions of the Economic Growth and Tax Relief Reconciliation Act of 2001 increased the annual contribution limit for Coverdell ESAs to $2,000, and the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 extended this contribution limit through 2012.

Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing.

Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529 Plan. 

Get Started
Ready to Take the Next Step?

If you're looking for a team with a structured, research-driven approach to your financial life, we'd welcome the opportunity to talk. Let's start with a conversation about your goals.

Let's Build Your Plan