Why Nygaard Advisors?
Simply Put, We Care.
Your financial future is too important to trust to a website or 1-800 #.
From retirement planning strategies to personal insurance packages, we help create your custom financial strategy. We'll explain options in a way that is easy to understand, do what we say we’ll do, and be there for you when it matters the most.
Financial Planning Strategies
It’s Never Too Early or Too Late to Create a Solid Financial Foundation
Many times, financial planning strategies are put off because individuals just don’t know where to start. We understand, and that’s exactly why we’re here. We’ll help you understand what you have and guide you through the options available, including:
Saving for
Retirement
We can help guide you with a strategy for saving for retirement and accumulating assets through employer and non-employer avenues.
Retirement Income
Distribution
Ready to retire? Let us help you with a strategy to help ensure you don’t outlive your money and are withdrawing money the most tax efficient way.
Asset
Protection
You have spent a lifetime accumulating assets. We can create a strategy that may help protect your nest egg so it can be spent or given the way you want it to be.
Kurt Nygaard
ChFC®, CLTC®, RICP®
Financial Advisor
(218) 998-1950
kurt.nygaard@prudential.com
Kelsey Heck
Financial Advisor
(218) 998-1950
David Cedars
Financial Professional
(218) 998-1950
Kurt Nygaard and Kelsey Heck offer investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. Nygaard Advisors is not affiliated with Liberty Mutual and The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255. My compensation may be based on a combination of fees and commissions. Personal Lines Property and Casualty Insurance underwritten by insurers not affiliated with Prudential. Availability varies by carrier and state.
David Cedars offers securities products and services as a Registered Representative of Pruco Securities, LLC (Pruco).
Nygaard Advisors does business in the following states:
Securities: [AZ, MN, ND, WI]
Life Insurance: [AZ, MN, ND, WI]
Annuities: [AZ, MN, ND, WI]
Property & Casualty: [MN, ND]
1051680-00004-00
Check the background of this investment professional on FINRA’s BrokerCheck.
We Tailor to Your Needs
Putting a Strategy in Place for You
Every individual is different so that means every individual will need a custom strategy that is tailored to their needs.
Our Principals
Retirement is all about income, not assets. We want to make sure that YOU have enough income on a monthly basis to maintain your current lifestyle. We will look at your income sources and assets (guaranteed and non guaranteed) to determine ways to create that income. We would like YOU to spend your money! Additionally, if you would like to leave money to your children or charities, we will devise a strategy for doing that as well.
Planning Strategies
We will review everything you have so we can look at tax scenarios and how your portfolio stacks up against your risk tolerance and income needs. Strategies for Retirement Income (when and where to draw from). Protection, Retirement Income and Wealth Transfer will be at the forefront in ALL of our conversations.
Process
Not a One and Done! Changes occur regularly in each of our lives. We want to make sure we are staying in touch and informed with YOUR changes. We will meet as often as YOU would like to, but at a minimum annually. We ask about your family, your occupation and what you’ve been up to. We may possibly suggest that you meet with an Elder Law attorney and/or CPA. This is all part of meeting your needs and that nothing is missed or left undone.
Our Team
Kurt Nygaard
Financial Advisor
ChFC®, CLTC®, RICP®
(218) 998-1950
kurt.nygaard@prudential.com
FINRA's Broker Check
I've been married to my wife, Kym, for 33 years. I have 4 children; Kassidy, Kelsey, Kole & Kendal and 4 grandchildren. I enjoy spending time with my family, golfing, traveling, and card collecting. I also enjoy community theater and volunteer at the Fergus Falls Center for the Arts, where I am currently the President of the Board of Directors.
kurt.nygaard@prudential.com
Kelsey Heck
Financial Advisor
(218) 998-1950
I’m Kurt’s daughter! Kurt and I have been working together for over 8 years. I’m married to Jake, and we have 2 children; Theodore and Olivia. I enjoy spending every moment I can with my family, vacationing to somewhere tropical, reading a great book, completing challenging workout programs, and golfing with my husband.
David Cedars
Financial Professional
(218) 998-1950
I have been a Financial Professional with Prudential for 8 years. I have been in the ND area for 2 years and have 2 children. In my free time, I enjoy golfing, being involved in my community, and spending time with my family.
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