Todd Heiman

Financial Consultant

email Todd
Phone:‚Äč 218.753.6100

Our clients have diverse financial needs. Todd’s strength is understanding your specific financial situation and goals, and working with you to craft a comprehensive plan that helps meet your objectives. His goal is to build a relationship where we monitor and adjust the plan over time, helping to ensure that your finances will support you as your needs change.

Todd earned his B. S. degree in Computer Science from the University of Evansville in Evansville, IN. He analyzed specific business client needs and provided technology solutions to meet those needs as a Client Executive at IBM for many years. Todd joined the Frandsen Investment Services family in February, 2015 to utilize and hone the financial skills that he gained working with business clients while at IBM and through personal investing. His customer relationship, business and financial skills give him a unique capability to help meet the diverse needs of his clients.


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.