Dyste Williams Financial Group offers flexible, fee-based advice dedicated to helping you define and achieve your financial vision of abundance. We help clients create, protect, and distribute their wealth.

Reaching Your Goals
As wealth coach and counselor, we provide unbiased advice to help you assess your needs, plan for your financial future, and reach your life goals, whatever they may be. We help you define your goals, and write a strategic plan as a guide. Our focus is on comprehensive planning. We look at the entire situation and help with every facet of your needs.



Our First Meeting
The first step is to set up a complimentary assessment meeting. We get to know you, and what you want to accomplish. You decide if we're a good fit for your needs. There are six areas of our flexible financial planning process. You can pick several areas as a focus, or complete the entire process. The six areas are: Cash flow and budgeting, Risk management, Tax planning, Investment planning, Retirement planning, and Estate planning.

Cash Flow
Cash flow and budgeting is an important step in reaching your goals. We help you determine your needs vs. wants, and work with you to establish a budget. Some areas of focus are:
• Cash reserve strategies
• Discretionary income
• Debt management
• Lines of credit
• Net worth

Risk Management
This part of the process is an insurance review. We review your current insurance coverages, assess your liability, and discuss your needs and preferences. Do you feel adequately protected? What's the right amount of insurance for you? We listen, and make recommendations. Important areas include:
• Employer benefits review
• Life insurance
• Disability insurance
• Long Term Care insurance
• Auto & Home insurance
• Umbrella liability insurance
• Deductibles vs cash reserves
• Policy status
• Beneficiary designations
• Special needs situations
• Additional coverage strategies

Health Care planning can have a significant impact on finances for those close to, or in, retirement. It's important to consider the choices carefully, particularly regarding Medicare and Medigap policies. We work closely with an expert in these matters, Heidi Michaels of Dyste Williams. Please visit our Senior Page for more information.

Tax Planning
We can work with you and your accountant to maximize your tax planning opportunities. We look at ways to reduce taxable income, restructure investments to your benefit, and develop strategies to improve net income. Note: we do not do tax returns.



Some tax planning areas we address include:
• Tax reduction or avoidance
• Tax deferral
• Future tax due
• Withholding
• Filing status
• Tax diversification
• Qualified investments
• Non-qualified investments

Investment Planning
Assessing our clients' investments is a key part of what we do. We review asset allocation based on your risk tolerance, and the performance of your current investments. We may recommend repositioning investments to get you on track to reach your goals. We can recommend investments from a wide range of stocks, bonds, and mutual funds. It is to your benefit that we are an independent investment resource not tied to any specific investment company or entity.
• Asset allocation
• Stocks, bonds, mutual funds
• Education funding
• Lump sum accumulation
• Options/restricted stock
• Non-qualified deferred compensation
• Ongoing investment fees
• Risk tolerance
• Tax implications
• Cost basis
• Diversification strategies
• Dollar-cost averaging
• Market timing issues
• Alternative investments
• Vacation homes
• Real estate

Retirement Planning
We review retirement plans, both individual and through employers, to examine diversification, and if necessary, realign risk to your benefit. How and when you withdraw retirement money has important tax implications, and we can help you distribute assets to your best advantage. We can help you manage or set up:
• 401K plans (and 1-person 401Ks)
• Pensions
• Simple IRAs
• SEPs
• 419 plans
• Roth 401Ks and Roth IRAs

We address pre-age 59½ strategies and Social Security, as well as:
• Roth conversions
• Income streams, transitions
• Minimum distributions
• Tax transitions
• Risk tolerance transition

Commitment to Integrity
Our staff adheres to a high standard of integrity, especially when recommending insurance and investment products to senior citizens. Our mission is to be a trusted advisor and advocate for our clients.

Estate Planning
We help clients determine the best way to leave a legacy. We can help you use wills, trusts, and other advanced planning techniques to distribute your wealth to family and/or charity.
• Estate balancing and liquidity
• Capital transfer
• Asset ownership
• Wills and trusts
• Special needs dependents
• Family foundations
• Generation skipping
• Educational trusts
• Charitable planning
• Charitable remainder trusts

Planning for Business Owners
Business owners have complex financial lives that blend business and personal considerations. We offer 360° planning that incorporates both individual and business planning, and addresses the greater needs of the business owner who must consider personal tax and retirement issues while strategizing the financial health, success, and future of the company.

For more information
For more information, please contact the Managing Director of Dyste Williams Financial Group, Patrick Boria at 952-843-4437. Patrick is a financial planner and insurance specialist. He is a member of the National Association of Insurance and Financial Advisors (NAIFA), and the Financial Planning Association of Minnesota (FPA). Patrick has received the National Quality Award from the National Association of Insurance and Financial Advisors (NAIFA).

Registered Representative. Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative Securus Wealth Management LLC., a Registered Investment Advisor. Dyste Williams and Securus Wealth Management LLC., are not affiliated with Cambridge.