Financial Planner in Rogers, MN
When Rogers residents are looking for a financial planner they can trust, 360 Financial brings a team of CFP professionals who take time to understand your full financial picture before offering any recommendations. With an office in Elk River serving the northwest metro, 360 Financial works with clients throughout Rogers, Albertville, Otsego, Dayton, and the surrounding communities of the I-94 corridor.
What Does a Financial Planner in Rogers Actually Do?
Think about the last time you sat down and looked at your finances from every angle at once: your income, your retirement accounts, your insurance coverage, your tax situation, and what happens to everything you have built if something unexpected occurs. For most people, that kind of comprehensive review never quite happens. Life moves fast, and the individual pieces often get managed separately without a unifying strategy underneath them.
That is what a financial planner is for. A financial planner works to connect where you are today with where you want to be, and to make sure the decisions you're making across different areas of your financial life are actually working together rather than against each other.
At 360 Financial, the team uses their proprietary LifeWealth Process to do exactly that. It is a framework built around four areas: Family, Occupation, Recreation, and Money. The goal is to make sure your financial plan reflects not just your balance sheet, but the life you are actually trying to live.
As the 360 Financial team puts it: "Every financial decision touches more than your bank account. It touches your family, your work, and how you spend your time."
What Services Does a Financial Planner in Rogers Provide?
The 360 Financial team works with clients in the Rogers area across several interconnected planning areas, from retirement income and tax strategy to estate coordination and business owner planning. Here is what a full planning relationship typically looks like, and where that work tends to make the biggest difference:
Retirement Planning for Northwest Metro Families
Rogers has grown significantly over the past decade, and a large share of that growth has come from working families in their 40s and 50s who are approaching the years when retirement planning decisions carry the most weight. Those are the years when saving rates matter most, when tax strategy starts to play a bigger role, and when mistakes are harder to recover from.
The 360 Financial team works with clients to develop retirement income strategies that account for the full picture: Social Security timing, withdrawal sequencing from different account types, and the healthcare gap that exists for those who retire before Medicare eligibility at 65. That healthcare gap can cost $15,000 to $25,000 per person per year, a number that reshapes retirement projections for many people who have not planned for it specifically.
Tax Planning Aligned to Minnesota's Environment
Minnesota presents a specific set of tax considerations that are worth building into any long-term financial plan. The state taxes Social Security benefits, treats capital gains as ordinary income, and has an estate tax that begins at $3 million, far below the federal exemption of $13.6 million. Estate tax rates in Minnesota range from 10 to 16 percent on amounts above that threshold.
For Rogers residents who have spent decades accumulating assets in retirement accounts, real estate, and business interests, the gap between state and federal estate tax thresholds can represent meaningful exposure. The 360 Financial team works alongside CPAs and estate planning attorneys to help clients pursue coordinated strategies across income tax, investment tax, and estate planning, aiming to address unnecessary tax drag at each layer.
Investment Management Under a Fiduciary Standard
360 Financial manages investment portfolios for clients with $500,000 or more in investable assets. Their fee-based structure means advisors are compensated based on assets managed, currently approximately 1 to 1.25% annually, rather than through product commissions. At $1 million in managed assets, that works out to roughly $10,000 to $12,500 per year.
Operating under a fiduciary standard, advisors at 360 Financial are legally obligated to place client interests first when making recommendations. That is a meaningful distinction from advisors who operate under a suitability standard, which requires only that a recommendation be suitable, not necessarily the best available option.
Business Owner Financial Planning
Rogers and the broader northwest metro are home to a substantial number of small and mid-size business owners, and 360 Financial has specific depth in serving that audience. Business owner financial planning typically involves several layers that go beyond personal finance: choosing and funding the right retirement vehicle (SEP-IRA, Solo 401(k), or defined benefit plan), building a succession or exit plan well in advance of a transition, and thinking through how to convert business equity into lasting personal wealth.
Mitch Zweber and the 360 Financial team have worked through these situations with clients at various stages of business ownership. Whether you are in growth mode, approaching a potential sale, or trying to figure out how to fund retirement without a pension to rely on, the planning conversation is worth starting sooner rather than later.
Life Transitions and Sudden Wealth
Some of the most important financial decisions people make happen under pressure: receiving an inheritance, navigating a divorce, selling a business, or coming into a significant sum of money unexpectedly. These moments tend to compress decision timelines and create emotional weight that makes clear thinking harder.
The 360 Financial team works to provide structure in those moments. A general guideline is to allow 60 to 90 days before making major financial commitments after a sudden wealth event. That window gives time to understand the tax implications, identify the right advisors, and approach decisions with a coordinated strategy rather than reacting under pressure.
FAQ: Finding a Financial Planner in Rogers, MN
Is There a Financial Planner Near Rogers, MN?
360 Financial's Elk River office is located just a few miles from Rogers, making it the nearest wealth management team in the immediate area. The team serves clients throughout the northwest metro, including Rogers, Albertville, Otsego, Dayton, St. Michael, and Elk River itself. Many clients also work with the team remotely or through their Wayzata office.
What Is the Minimum to Work With a Financial Planner at 360 Financial?
360 Financial works with clients who have $500,000 or more in investable assets. This includes clients who are approaching that level and want to establish a planning relationship early. If you are not yet at that threshold, the 15-minute intro call is still a good starting point to understand what working together might eventually look like.
What Is the Difference Between a Financial Planner and a Financial Advisor?
The terms are often used interchangeably. "Financial planner" tends to emphasize comprehensive, written planning across all areas of your financial life, while "financial advisor" is a broader term that can include investment-focused relationships. Many professionals at 360 Financial hold the CFP (Certified Financial Planner) designation, which requires completing a rigorous curriculum, passing a comprehensive exam, and meeting ongoing education requirements.
What Is the LifeWealth Process?
The LifeWealth Process is 360 Financial's proprietary planning framework. Rather than treating investments, taxes, retirement income, and estate planning as separate conversations, it seeks to bring them together into a single coordinated plan. The goal is to keep your financial decisions aligned with the life you are working toward, and to adjust as your circumstances evolve.
How Much Does a Financial Planner Cost in Rogers, MN?
360 Financial charges approximately 1 to 1.25% of assets managed per year. On a $1 million portfolio, that is roughly $10,000 to $12,500 annually. There are no commissions or product sales layered on top. The fee-based model is designed to align the advisor's interests with yours: the better your portfolio does, the better they do.
How Do I Get Started?
360 Financial offers a free 15-minute introductory call. It is a low-pressure starting point: a brief conversation to understand where you are, what you are trying to accomplish, and whether their team and approach are a good fit. No commitment is required, and no pitch comes at the end.
Why Rogers Residents Choose a Team Over a Solo Advisor
One of the questions worth asking any financial planner is whether they work alone or as part of a team. A solo advisor, no matter how capable, has limits on the depth of knowledge they can bring to every planning situation. A team approach is different.
At 360 Financial, advisors including Michael Urch, Will Grant, Mitch Zweber, and Mike Rogers work together to serve clients. When a situation requires deep tax knowledge, estate planning coordination, or business exit insight, the team draws on the right combination of specialists rather than asking one person to cover every corner of the financial landscape.
For Rogers and northwest metro residents who want a financial planning relationship that grows with them, the team model is worth understanding before you choose a planning partner.
To learn more or book a free 15-minute intro call, visit 360financial.net.
Ready to talk it through? Schedule a free 15-minute introductory call with the 360 Financial team.
All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
