Business Details
46 Years
experience
Your Trusted Retirement Planning Partner in St. Cloud, MN
Gentz Financial Services has been dedicated to helping Minnesotans achieve their retirement goals since 1980. Our team of experienced professionals prioritizes personalized care and family-first relationships to develop tailored financial strategies. With three locations across Central Minnesota, we focus on asset preservation, income planning, and wealth management to ensure sustainable financial futures. Our approach combines decades of industry expertise with a commitment to understanding each client's unique needs. We emphasize transparency, education, and long-term trust in all client interactions.Our local roots and dedication to community values guide our service philosophy. Through seminars, radio shows, and one-on-one consultations, we empower clients with actionable retirement strategies. Our team's combined experience spans over 100 years, reflecting our deep industry knowledge. We maintain partnerships with leading financial institutions to offer comprehensive solutions. Client satisfaction remains our top priority, as evidenced by our Better Business Bureau membership and community involvement.
Services
Asset Preservation
Income Planning
Wealth Management
Life Insurance
Medicare Planning
Estate Planning
Retirement Seminars
Financial Education
Details
- Year established: 1980
Highlights and features
- 40+ years of retirement planning expertise since 1980
- Locally-based team with deep Central Minnesota knowledge
- Personalized financial strategies tailored to individual needs
- Comprehensive approach combining investment and insurance solutions
- Award-winning educational resources and community seminars
Associations and certifications
- Better Business Bureau
Services
Asset Preservation
Our asset preservation strategies help protect retirement savings from market volatility through diversified investment approaches. We focus on creating balanced portfolios that maintain value during economic downturns while allowing for growth opportunities. Clients benefit from personalized risk assessments and tailored protection strategies that consider their specific financial situations and retirement timelines.
Income Planning
We develop customized income plans that ensure financial stability throughout retirement. Our approach considers multiple income sources including Social Security optimization, pension planning, and systematic withdrawals. Clients receive detailed projections showing how their assets will generate consistent income while accounting for inflation and longevity factors.
Wealth Management
Our wealth management services combine investment strategy with comprehensive financial planning. We help clients grow assets through market-appropriate allocations while addressing tax efficiency and estate considerations. The service includes regular portfolio reviews and adjustments to maintain alignment with evolving financial goals and market conditions.
Life Insurance
We offer term and permanent life insurance products to protect families and preserve wealth. Our specialists help determine appropriate coverage levels and policy types based on individual needs. The service includes policy reviews, beneficiary planning, and integration with overall estate strategies to maximize financial protection.
Medicare Planning
Our Medicare planning service helps clients navigate healthcare options during retirement. We explain Original Medicare, Advantage plans, and supplemental coverage choices. The service includes cost analysis, coverage gap planning, and coordination with existing health benefits to ensure comprehensive medical protection.
People
Nyles R. Gentz
President & Founder
Nyles founded Gentz Financial Services in 1980 and has helped thousands of Minnesotans with retirement planning. He hosts a weekly radio show and focuses on building lifelong client relationships through personalized financial strategies.
Denise Hermosillo
Director of Client Services
Denise leads client services with 18 years of experience, including military service in Iraq and Kuwait. She ensures smooth client interactions and coordinates advisor schedules while maintaining a business administration focus on client satisfaction.
Roger Strege
Financial Advisor
Roger specializes in helping vulnerable populations with retirement planning. He combines financial expertise with community service, focusing on special needs planning while maintaining active roles in autism advocacy organizations.
Nyles W. Gentz
Marketing Director
Nyles Jr. handles client intake and marketing operations. With insurance industry experience since 2003, he connects new clients with appropriate advisors while coordinating educational events across Central Minnesota.
Kevin Bright
Financial Advisor
Kevin brings corporate finance expertise to retirement planning. A Minnesota native with a degree from Mankato State University, he focuses on creating successful retirement strategies while building community connections in Monticello.
Questions
What retirement services do you specialize in?
We specialize in asset preservation, income planning, wealth management, life insurance, Medicare planning, and estate planning tailored to Minnesota residents.
Do you offer educational resources for retirees?
Yes, we provide free retirement seminars, radio programs, and educational guides on topics like Social Security optimization and tax-efficient withdrawal strategies.
Are your advisors locally based?
Our team operates from three Minnesota locations in St. Cloud, Buffalo, and Elk River with over 40 years of local experience.
How do you approach financial planning?
We use personalized consultations to create customized plans focusing on long-term sustainability and protection against market volatility.
What makes your firm different?
Our combination of local expertise, comprehensive services, and community-focused approach distinguishes us from larger national firms.
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