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Cheri Pagnac Michael Ritland
Financial Representative Regional Investment Manager
  ChFC, CRC®, CASL
email Cheri email Michael
218.695.2802 701.780.7706
 
Jerilyn Rethemeier
Administrative Assistant
email Jerilyn
701.780.7706
 

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 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.


FINRA | SIPC

 

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Frandsen Bank & Trust and Frandsen Investment Services are not registered as a broker-dealer or investment advisor. Registered representative of LPL offer products and services using Frandsen Investment Services and may also be employees of Frandsen Bank & Trust. These products and services are being offered through LPL or its affiliates, which are separate of entities from, and not affiliates of, Frandsen Bank & Trust or Frandsen Investment Services. Securities and insurance offered through LPL or its affiliates are:
 

 

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AR, AZ, CA, CO, FL, IA, IL, IN, KS, KY MA, MN, MO, MT, ND, NE, NM, NV, OH, OK, SC, SD, TX, VT, WA, WI.