Your partner for all of life’s transitions and financial decisions.

Your Partner for All of Life’s Transitions and Financial Decisions

Pitzl Financial is a Minneapolis - St. Paul based fee-only, and fiduciary, financial planning and wealth management firm. We combine objective financial planning with disciplined investing to Design, Build, and Protect your assets through all of life’s transitions. Our approach to the planning process has consistently earned us a place in the Top 12 Financial Advisory Firms in the Twin Cities.

We believe that the fundamental purpose of financial planning is to help people plan for – and live – a better life. Money is best used in a manner that supports your life, rather than being the driving force in the decision-making process. Money is merely a tool and a means to live the life you want.

While many financial conversations revolve around topics like investing, tax reduction, or cash flow planning, some of the most important financial decisions we make are actually about things bigger than money. Our process is not about products. It's about intentionally aligning your personal financial affairs with your values and goals.

We apply academic, evidence-based principles in the technical areas of financial planning and marry them with your unique financial personalities and lifestyle to create a plan that works for you. We strongly believe in a collaborative process where we serve as advisors to you, your family’s CEO(s).

Welcome to Your Personal Boardroom™.

Our Services

 

Financial Planning

Inherently, money has no value at all. It is a dull, lifeless, man-made creation designed to ease the facilitation of commerce. The real value of money lies in what it allows you to experience. Money is an excellent servant to our lives, but makes for a horrible master.
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Investment Philosophy

As individuals, each of us is unique. While we each have distinct investment objectives, one of the most essential elements of investing is having the ability to distinguish between investing and speculating.
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Investment Discipline

The most fundamental purpose of developing a coordinated investment plan is to ensure that there is a smart place for you to get money whenever you need it. We recognize that life’s bills do not always come at the peak of a market cycle, so it is critically important to build resiliency into your portfolio.
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Your Personal Boardroom™

An effective board has a clear mission and understanding of what the entity is trying to accomplish. A clear and honored mission, coupled with shared commitments, results in a highly effective team working in tandem to accomplish common goals.
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Building Relationships by Doing the Right Thing...Always.

Recent Blogs

The Debt Ceiling

As you have probably seen, recent financial headlines have centered around the debt ceiling. The debt ceiling was created in 1960 as a way to limit government spending. Although the news surrounding the debt ceiling may sound scary, it’s not the first time we’ve been in a position like this. In fact, since 1960, the debt ceiling has been raised 78 times.

I-Bonds - The Time to Walk Away

Investing
Kenny Rodgers once said, “You got to know when to hold ‘em, know when to fold ‘em, know when to walk away, and know when to run” The last part of the tune can be struck through as it is the last thing a prudent and engaged investor would ever want to do. Also, he was referring to a game of poker. Here we are talking about I-Bonds, and unless there is a reversal of the current trend and inflation begins to rise again, the time to walk away is coming.

The Cheat Code to Investment Success

Investing
One reason I find this field of work so interesting is that there is a cheat code to being successful. The problem is that the cheat code is boring, and few people are patient enough to use it.