J&S Partners was founded by Joe Koessl and his son, Steve Koessl in 2001 with the sole purpose of helping individuals and families plan for their retirement and financial planning needs. Joe has a successful history since 1970 of being in the financial services industry. He completed military service as an officer from 1968-1970 at the Snelling Army Air Defense site in the Twin Cities and then Joe started his career in Appleton, Wisconsin with the Lincoln Financial Group. Steve has been in the financial services industry for 19 years. Prior to establishing J&S Partners, Inc. he advised a number of highly respected corporations, foundations and public pension plans, such as 3M, the Knight Foundation, and the Minnesota State Board of Investment. Joe retired in 2016 and resides in Edina, MN with his wife Vicki.
Hannah Ayer
Client Relationship Associate
Hannah Ayer is employed with J&S Partners INC as a client relations administrator. She resides in Cottage Grove, MN with her husband, four children and dog. She holds a Bachelorâs degree in Business Administration and is Life Insurance licensed. She is also currently working towards obtaining her securities licenses in her spare time. What she enjoys most about working in the finance sector is helping others get set up for a successful future!
Samuel Koessl
Senior Client Relationship Associate
Samuel joined J&S Partners Inc, in the winter of 2022. Sam holds the State of Texas Life, Property and Casualty licenses, as well as the FINRA Series 7, 6, 65, and 63 securities licenses held with LPL Financial. Sam has experience franchising with business acquisitions. Sam loves working with clients and his focus is on the business development aspects of J&S Partners Inc. Sam resides in Celina, TX with his wife, Jayna, and three daughters, Briseis, Charlotte, and Colette.
General Information |
| Firm Start Year: | 2001 | |
| No. of Employees: | 2-4 | |
| Name of Broker/Dealer: | LPL FINANCIAL LLC |
| States Licensed in: | TX |
| Work with the following types of clients: | Businesses, Individual Investors |
| Advisory Services Provided: | Financial Planning for Businesses, Financial Planning for Individuals, Financial Advice & Consulting, Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management |
Services |
| Investment Types: | Mutual Funds, Exchange Traded Funds (ETFs), Insurance, Annuities, Stocks, Bonds |
| Can meet clients in the following ways: | Your Office, Email, Our Offices, Your Home, Phone |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Life, Variable Annuity, Annuity |
Firm Information |
| Assets Managed by Advisor: | $120,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Compensation Methods: | Commissions, Based on Assets |
Financial Services |
| Financial Planning for Individuals
Your financial journey is unique, and our financial planning services are tailored to your specific needs and aspirations. Whether it's securing your retirement income, leaving a legacy for your loved ones, or maintaining your desired lifestyle, we provide personalized guidance to navigate your financial concerns and goals, ensuring you make informed decisions every step of the way. |
| Financial Advice & Consulting
Through comprehensive financial consulting and education, we equip you with the knowledge and tools necessary to make informed decisions and tackle life's curveballs. From initial intake to ongoing review meetings, we address your questions and concerns, helping you pivot and adapt to changing circumstances, ensuring your financial stability and resilience despite market volatility. |
| Retirement Planning
Retirement planning goes beyond just incomeit's about realizing your desired lifestyle and aspirations. As your partners, we help you navigate challenges, mitigate volatility, and pursue a fulfilling retirement. With a keen understanding of your unique goals, we provide personalized strategies to ensure your retirement years are everything you envision. |
| Annuities
With a focus on protection, we specialize in annuities that safeguard your principal, shielding you from uncertainty. If you're risk-averse or are seeking to protect any portion of your investments, our expertise in annuities ensures your financial security and peace of mind. |
| Risk Management
Effective risk management is key to achieving your financial goals on your timeline. By customizing plans to your individual needs, we minimize risks and maximize benefits through diversified income sources and strategic tax planning. With a focus on legislative changes and economic trends, we keep your financial strategy adaptive and well-informed, with a goal of ensuring your long-term financial security and success. |
| Insurance Planning
Through our insurance services, we offer a seamless transition of risk, ensuring that unexpected events like disability or loss of life don't derail your financial goals. By integrating insurance into your financial plan, we prioritize the well-being of your family, safeguarding their future and protecting your retirement, regardless of age or circumstance. Our personalized approach ensures that your unique needs are addressed, providing peace of mind and financial security for you and your loved ones. |
| Wealth Management
With our wealth management expertise, we go beyond simple money management to encompass all aspects of your wealth, including property, businesses, and other assets. From valuation to tax and insurance assistance, we provide comprehensive support either in office or through our extensive partner network to optimize your wealth and create a lasting legacy for your beneficiaries. Whether it's preserving your values or leaving a mark on your community through charitable giving, our wealth management services ensure that your financial goals align with your deepest aspirations, working toward securing a prosperous future for generations to come. |
Disclosures |
|
WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. LPL ADV 2A https://www.lpl.com/content/dam/lpl-www/documents/disclosures/A58.pdf Additional Detailed Disclosures https://www.lpl.com/content/dam/edam/format/disclosure/wiseradvisor-lpl-detailed-disclosures.pdf |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Mon. | 9:00 AM - 6:00 PM |
| Tue. | 9:00 AM - 6:00 PM |
| Wed. | 9:00 AM - 6:00 PM |
| Thu. | 9:00 AM - 6:00 PM |
| Fri. | 9:00 AM - 6:00 PM |
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