Johanna Markgraf

Certified Retirement Counselor, CRC®

email Johanna
Phone: 320.848.2222

Johanna wants to help people reach their retirement dreams no matter what stage in life they are. She has seen too many people make quick decisions without thinking through the choices they are making. Johanna helps people avoid the looking back and adding up the “I wish I hads” by thinking through what they are doing today to plan for tomorrow.

Johanna grew up in Buffalo Lake, where she still lives with her husband and three daughters. She graduated from the University of Minnesota with a degree in animal science and started out working as a federal meat inspector for the USDA. Johanna joined Frandsen Bank & Trust in 2009 as a personal banker and then pursued training to become a Certified Retirement Counselor. She currently holds Series 7 and Series 66 securities registrations, as well as life, accident, and health insurance licenses.

Chris Zuck

Regional Investment Manager, CFP®, AIF®

email Chris
Phone: 952.261.2170

Chris enjoys having in depth conversations with you about your financial goals and dreams. She follows a systematic process to develop those goals into a plan that works for you. Chris believes that everyone has their own comfort level with investment, tax, and estate planning. It is through her process that education and comfort begins and grows throughout your financial life.

Chris, a native Minnesotan, graduated from Augsburg College in Minneapolis with a degree in Business Management and Finance. She entered the financial services industry in 1987 and has held several roles in community banks. Chris currently holds two of the highly notable designation: CERTIFIED FINANCIAL PLANNER professional and Accredited Investment Fiduciary™ designations.


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