Pine City

Tom Gahler

Financial Advisor

email Tom
Phone:​ 320.629.7713

Bob Root

Financial Advisor

email Bob
Phone:​ 320.629.7713


Sara Smith

Financial Advisor

email Sara
Phone:​ 320.629.7713

“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.”

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 two 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. In addition to spending time with her family, Sara’s hobbies include gardening, reading, camping, and fishing.

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.