Grand Forks

Lon Gulberg

Investment Representative

email Lon
Phone:​ 701.787.7101

Lon is committed to providing professional financial advice to his clients that is specific to their goals and objectives. He works diligently with you to uncover your true financial goals and dreams and work with you to implement a strategy that you understand. Lon understands that it is Your Money and works with you to make sure that you know how the strategy that we implement helps to meet your specific goals and objectives.

Nikki Jo Kleftstad

Investment Representative

email Nikki Jo
Phone:​ 701.780.7733

Your financial success is Nikki Jo's top priority.  She believes that all relationships are built on trust. In order to build that trust with a client, she looks beyond products to focus on each client’s unique financial needs. Therefore, with your financial goals and dreams top of mind, Nikki Jo is dedicated in helping you achieve them.

Nikki Jo graduated from the University of North Dakota with a major in Banking and Financial Economics. Beginning her banking career as a teller at 16 years of age, Nikki Jo has held several roles since receiving her college degree in 1997. All have focused on helping individuals and families succeed financially.

Michael Ritland

Regional Investment Manager, ChFC, CRC®, CASL

email Michael
Phone: 701.780.7748

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. The mission at Frandsen Investment Services is to Determine Needs, Develop Relationships, and Deliver Solutions.

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 ICA, 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.


Investment Centers of America, Inc., member FINRA, SIPC, a registered Investment Advisor, is not affiliated with Frandsen Bank & Trust or Frandsen Investment Services. Securities, Advisory Services, and insurance products are offered through Investment Services of America, Inc. and affiliated insurance agencies are:


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