Cheri Pagnac

Financial Representative

email Cheri
Phone: 218.695.2802

Cheri works to provide a framework for identifying, pursuing, and achieving your goals. Cheri believes this process helps clients enjoy every moment along their life’s journey. She listens to what you think is important and builds a strategy accordingly.

Cheri graduated from Moorhead State University with a degree in Finance and a minor in mathematics. She entered the Financial Services business industry in 2000 and has held several roles within Frandsen Bank & Trust.

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.

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.



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.