Pine City

Tom Gahler Bob Root
Financial Advisor Financial Advisor
email Tom email Bob
320.629.7713 320.629.7713
Sara Smith Missy Furber
Financial Advisor Administrative Assistant
email Sara email Missy
320.629.7713 320.629.1408


Tom believes you should “live life by design, not by default”; everyone’s financial goals are specific to themselves and as such, should be designed accordingly and not a one size fits all approach. Tom was raised in Pine City MN and graduated from St. Cloud State University with degrees in finance and marketing. Tom started his financial career in 1985 and holds the designation of Accredited Investment Fiduciary and series 7 and 66 registrations.

While life is most certainly a journey and not a destination, Bob believes that we all have aspirations of retiring with financial independence and it’s his goal to help his clients work toward that dream.  Bob feels that every client should have a portfolio tailored to their specific needs and not a cookie cutter approach where everyone through the door gets the same thing. Bob was born and raised in Pine City and graduated from PCHS in 1992. He then attended Moorhead State University and after graduating from there in 1997 began working in small business management until 2007 when he began his career in financial services. Bob has earned his Series 7, 66 registrations held with LPL Financial and is also an Accredited Investment Fiduciary.

Sara graduated from Metropolitan State University with a Bachelors degree in Business Administration and from Minneapolis Business College with an Associate’s degree in Accounting. She has been in the financial industry since 1994, growing from the experiences as a teller, branch representative, and loan officer to financial consultant. With each step she has learned the importance of listening to her customers’ needs, earning their trust, and working hard to help her customers pursue their financial goals. Sara has grown up in Minnesota. She is married and has three children and a stepson. She is active in the Pine City and Braham communities, and enjoys volunteering for the Pine Area Lions and other organizations. Sara’s hobbies include gardening, reading, fishing, camping, and spending time with family.

“I believe a key component of the financial planning process is helping clients discover what is important to them. In working with my clients, we develop a personal strategy to help meet their specific goals and needs. Most importantly, I provide my clients with ongoing support in tracking progress towards achieving their financial life goals.”

Missy believes that the most important aspect of her job is delivering exceptional service to clients and building strong, lasting relationships. She supports the advisors by carrying out administrative responsibilities and making sure the day runs smoothly and efficiently.

Missy is a lifelong resident of Pine City and has 19 years of experience in banking and investment services.



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.