Joanne Treviranus-Glowacki Susie Perterka
Financial Representative Administrative Assistant
email Joanne email Susie
218.879.6000 701.787.7102
Michael Ritland
Regional Investment Manager
email Michael

Joanne has a passion for building long-term, personalized client relationships. She is committed to building a personalized portfolio strategy based on your goals and comfort level for risk. Joanne’s goal is to help you make sound financial decisions so that you are free to focus on other important aspects of your life.  Joanne grew up in North Dakota and moved to Minnesota in 1987. She has four amazing children and four beautiful grandchildren. Joanne’s banking and insurance career began in 1990 and Frandsen Investment Services in 2010. Joanne has been a member of the Cloquet Rotary Club since 2010. She served as a Board Member from 2011-2015 and the Club President 2013-2014.

Michael grew up in a small town in Montana. He graduated from Concordia College in Moorhead, MN with majors in Business Administration and Organizational Communications. He started his investment and insurance career in 1991, joining Frandsen in 2007. Michael holds the following designations: ChFC (Chartered Financial Consultant), CRC (Certified Retirement Counselor) and is registered as an investment advisory representative of LPL, life and health insurance agent in ND and MN. Michael and his wife live in Grand Forks, have two children, a dog and a cat.  If you want to feel more confident about where your money is already invested or to find out if you are on track for a specific goal (retirement income, education funding), Michael has the tools and skills to help you.



Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA, SIPC.  Frandsen Bank & Trust and Frandsen Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.  Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Minnesota, North Dakota, Arizona, California, Florida, Iowa, Montana, Nebraska, Ohio, South Dakota, Texas, and Wisconsin.