Haven Financial Group Radio - 1/25/26

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Episode Transcript

Speaker 1 (00:00):
You worked hard for your money, but do you know
how to make it work hard for you? You need
a team with experience, vigilance, and a strategy to help
you live the retirement you deserve. Find your financial safe
haven with Haven Financial Group. Today you're listening to the
new and improved Haven Financial Group Radio Show, where we
bring you comprehensive weekly financial wisdom from the professionals. It's

(00:23):
all about helping you solve retirement problems so you can
make your nest egg last. Your tune to the Haven
Financial Group Radio Show with your host Larry Kolbig and
Kim Karrigan your guides to weekly retirement confidence. If you're
interested in protecting and growing what you have, let us
be your financial safe haven. The full nines are always

(00:44):
open at six point two, five oh four eighty four hundred.
Now get your financial questions ready because the Haven Financial
Group Radio Show starts now.

Speaker 2 (00:54):
Good morning, and welcome to the Haven Financial Group Radio Show.
I'm Larry Colvin, founder and CEO of the Haven Financial Group,
celebrating eleven years. Kim, good to be with you this morning.
We got a special guest today.

Speaker 3 (01:06):
I know are you going to be on your best
behavior today?

Speaker 4 (01:09):
I will be.

Speaker 3 (01:12):
Later. I'm going to tell her about some of the
things you say when you're not on your best behavior.
I want you to know.

Speaker 4 (01:17):
Let me leave the room, please.

Speaker 3 (01:21):
You introduce our lovely guest.

Speaker 2 (01:23):
Well, she's the office manager of Haven Financial Group. I've
mentioned celebrating soon to be eleven years, and this year
we're celebrating our thirtieth wedding anniversary.

Speaker 4 (01:32):
So thirty years.

Speaker 3 (01:34):
It's great to have your self. I'm so glad you
could join us.

Speaker 5 (01:37):
I'm so glad to be here. Thank you for having me.

Speaker 3 (01:39):
I wanted just a little inside of baseball. I just
want our listeners to know that I get to see
you each week because you come in and you set
up this whole recording system that we have for Larry,
and so I always get to see you, and I
don't get to talk to you enough, but it's great
to have this opportunity to spend some time with you.
So it's great to see you, guys, And congratulations on

(02:01):
thirty years. That's a feat.

Speaker 2 (02:04):
Well, let's just say they all haven't been super easy
because we've lived life just like a lot of our
listeners have.

Speaker 4 (02:10):
But no, thank you very much.

Speaker 2 (02:12):
And you get to see her because I'm not technologically
savvy and I need all the assistance I possibly can
in that arena.

Speaker 5 (02:20):
You can say that again.

Speaker 3 (02:24):
Well, the two of you there working together side by side,
which is terrific. I know that you also were, so
you do a lot with client services, and so I
really am anxious to hear a little bit more about
that and your involvement with them. But let's back up
just a bit and start at the beginning. It was
a lot. It was long before the eleven years that
Haven Financial Group has been in existence. What were the

(02:47):
two of you doing first, and then what ultimately brought
you to the idea of opening up this company?

Speaker 4 (02:55):
Well, I think I'll start with that.

Speaker 2 (02:57):
For years I was with a captive company in the
Twin Cities, a captive company very different than an independent company.

Speaker 4 (03:05):
And it was a great place to learn.

Speaker 2 (03:07):
It was a fancy office, waterfall et cetera, et cetera,
great training program, et cetera, a great great place to learn,
retirement advising and all these topics.

Speaker 4 (03:16):
Yes, but after a while I.

Speaker 2 (03:18):
Realized, why are they making changes to our suggestions, our recommendations.

Speaker 4 (03:24):
It didn't make sense.

Speaker 2 (03:25):
It didn't seem like at the client's best interest a
variety of times, a whole bunch of times, and I
won't get into the details, but I knew I wasn't
going to change it be what was very relevant. It
was about corporate profits, individual achievements. It just wasn't what
I wanted to be involved with long term. So eleven

(03:48):
years ago, almost eleven years actually this summer, it'll be
eleven years exactly, we started having Financial Group. And just
like anybody else, if you start a company, in a business,
it takes a while. There are some rough moments, but
at the end of the day we look back and
it was the right decision. I think, why didn't I
do this sooner? Because in that position, I was traveling

(04:08):
all over the state of Minnesota doing public speaking, getting
home late, leaving early, white knuckle driving in the middle
of winter.

Speaker 4 (04:17):
I look back and I'm like.

Speaker 2 (04:18):
I can't believe I actually did that. But it was
part of life's journey. And life has been a journey.
But thankfully, Haven Financial Group we've grown immensely. We've built
on four different times, like met we have the new
education center, our staff has grown. We have great chemistry,

(04:39):
and much of that has to do with Rachelle because
she is a people person and she creates that chemistry,
and we know chemistry is so important and a lot
of our clients love to come see her much more
than they like to see me.

Speaker 3 (04:55):
Well, Rochelle, I know that before Haven Financial Group came
into existence, you have four daughters, So on those white
Knuckle nights, you were having your own white knuckle experiences
at home. I feel confident, but you you brought to
the table quite a bit of experience yourself.

Speaker 4 (05:13):
Yeah.

Speaker 5 (05:14):
My background, I would say, is customer service. I have
a special love for people, and I have a special
heart for elevated customer service and experience and not just
a transaction, but a real relationship. And so that's kind
of been my heart from here. Before I worked with Haven,

(05:35):
I waitress for years at Planet Hollywood when we first
got married, and I did celebrity events and parties at
a very high level customer service. And then I got
into salon, so we owned six salons together and we
had about one hundred and twenty five employees that I

(05:56):
oversaw six locations and just teaching people how who develop
and cultivate relationships not just a transaction and doing customer
service at a high level. And then I actually worked
with Lifetime Fitness. I love the spa industry, and I
ran there on x Spot and I was a department
head at Lifetime Fitness in the Minnetonka location. I got

(06:17):
a chance to come home be with our daughters before
our last one started kindergarten, and my husband said, Hey,
I need help at the front desk for one month,
just one month. I need you just kind of help
schedule connect with people. And I've been here what eight years?

Speaker 4 (06:34):
Maybe, Yeah, it was a long month. It was a
really long month.

Speaker 3 (06:37):
Eight years, eight months of a year. Yes, and it's.

Speaker 5 (06:44):
Been so fun. You know, it's amazing how how I
would say God paired two people that have different skill sets,
and most husband and wife couldn't work together. But we
are literally like a great puzzle kind of like our
puzzle pieces that Haven and we were designed to complete
compliment each other inner skill set and.

Speaker 3 (07:04):
It works really well, which is just terrific.

Speaker 5 (07:07):
We've been very fortunate to work together.

Speaker 3 (07:09):
Yeah, absolutely well. The reason that we wanted the two
of you to be on together today is because we
want the folks who are listening to understand the foundation
of Haven Financial Group. And we've already gotten a really
good taste and we're just in the first six or
seven minutes of our show. But obviously number one Larry's

(07:31):
longtime knowledge and he brings, you know, such experience. And
then Rachelle, we have you who brings together that customer
service and I know that is the basis really of
what Haven Financial Group is all about.

Speaker 5 (07:44):
It is I think customer service. I think the team.
I think Larry is brilliant at putting together the right
people at the right time. So you know, they used
to say build it and they'll come, and through owning
business together, we realize it's you have to have a
strong foundation and add slowly so that the company is healthy,

(08:07):
there's no debt, but the right pieces. There are several
people that always said, hey, when you start your own Larry,
we want to come work for you. And little by
little he's like, okay, your next I can bring you on. Okay,
now your next I can bring you on. And he
has built a really strong team that I would say
each one of the people that are on our team
could have their own strong business, but when you bring

(08:30):
them all together, it's a powerhouse. And we are really
fortunate to have the greatest team.

Speaker 3 (08:34):
Sure, a force to be reckoned with. Larry, tell everybody
what Haven Financial Group actually stands for. What that means
to you.

Speaker 2 (08:41):
Well, I don't have a creative ounce in my body,
so I had nothing to do really with the name
naming the company Haven Financial Group. It's a nautical theme.
If you're in our office, you've been in our office.
We have a big ships wheel on the wall. We
have actually several other paintings through of that throughout where
most of our staff we like the water, we like

(09:02):
to be out on the lake and so forth. Obviously
we're in Minnesota, so land of ten thousand Lakes. But
the nautical theme is in retirement, you get off a
degree in the wrong direction one way or another way,
you might end up in the wrong place and retirement,
which we are a retirement planning company, we want you
to end up at the right place at the right time.

(09:23):
So that's that's how they came up with Haven Financial Group.
In a safe haven, you know, a safe place because
let's face it, you know there's probably some listeners out
there and others that you know. You go to your
financial financial firm and you're nervous to go in and
you know some advisors that can be very controlling, and
I'm controlling your money and you respect me, and no,

(09:45):
we want this to be a safe haven. We want
it to be comfortable. We like to have fun with
this as much as we possibly can. Take it seriously,
don't get me wrong, but have fun with it. You know,
Rachelle loves she elevates customer service, she said very eloquently.
She also loves to plan events. And any of our
clients are listening, and they could actually attest to this

(10:07):
over the radio. I know they would, because we have
some of the finest client events. I don't know anybody
else that could put up to what we do for
client events. Because we love to give back, we're able
to help a lot of people and we take that
very seriously.

Speaker 4 (10:23):
People entrust us with.

Speaker 2 (10:25):
Their decision making, with their finances, wealth management, and again
that's very important and we take that very seriously. But
they also know that Haven likes to have fun.

Speaker 3 (10:36):
Well, I think that that's a combination that I don't
know how you beat it, that's for sure. And you're right.
People do entrust a lot to you. They entrust their
finances and their family's futures, and I know that you
take that very seriously. Six one two five zero four
eight four zero zero. That's how you get hold of
the folks that Haven Financial Group. If anything resonates with
you this morning, we would love it if you'd give

(10:58):
us a call and set up waitment. They would love
to visit with you. We are lucky enough to have
Rachelle Colvig with us. She is the office manager there
at Haven Financial Group. She's also Larry's wife and partner.
And we're going to continue our conversation about have Been
Financial Group coming up in just a moment. This is

(11:18):
the Haven Financial Group Radio Show. Don't go too far.

Speaker 1 (11:22):
We're gathering more important insights and retirement ways Devin, the
Haven Financial Group Radio Show. We'll be right back. Stick around.
You've got questions, We've got answers. Your tune to the
Haven Financial Group Radio Show with your host Larry Kulvig
and Kim Karagan. Now back to the show.

Speaker 2 (11:42):
Good morning once again, and welcome to the Haven Financial
Group Radio Show.

Speaker 4 (11:45):
Thanks for listening.

Speaker 2 (11:47):
Rather unique show today, but I hope you're going to
learn something. Feel free to reach us at six one
two five zero four eighty four hundred visit us online
at Havenfinancialgroup dot com. Our calendar educational event, so we
got a lot of them on there. Kim, We're big
into education. Education has the potential power to make good
decisions and that's what we're trying to accomplish in retirement.

(12:09):
So it's open to our clients, their family, their friends,
and the public. They do fill up rather quickly, oftentimes
waiting lists, so schedule time or maybe just call to
come in and visit. The consultations have no cost to
them with any of us, We'll make it the best time.
We'll ask a lot of questions. At the end of

(12:30):
the day, listeners have nothing to lose.

Speaker 3 (12:33):
Absolutely. Rachel covic is our guest today. I want to
ask the two of you what separates your firm from others.

Speaker 5 (12:43):
I'd have to say one, a customer service in the
experience is really important. From the moment you step in,
it just feels differently. I came from the spot industry,
as I shared earlier, and I always thought it interesting
when you went to a spot sometimes they have kind
of a uptight feeling a little bit and stand offish.

(13:06):
And I always believe that no matter what size your
portfolio if you have a little, medium or large, everybody
should just be taken care of at the same rate.
We don't have a system for our database, for the
front desk or the reception area that says small, medium,
are large. And I've always my concept is take care

(13:27):
of everybody and you're always covered. And we've even had
people say, Rachael, I don't have a lot with you guys,
and you treat me like I'm your biggest client. And
that's how everybody should be treated. Small, medium, large, does
not matter. We don't have a tear system at all.
I just think, take care of people no matter what.

(13:47):
Just take care of people, Larry.

Speaker 3 (13:49):
It seems to me one of the things besides that
that's enough right there, what Rachelle has told us. But
something else that makes the firm different is that it's
what I always call one stop shopping. And I think
that's a really important factor, and it's important to people
who are getting close to retirement or in retirement because

(14:10):
they want to know that the right hand is talking
to the left hand.

Speaker 2 (14:14):
Very acrid statement, and eleven years ago that was the goal. Thankfully,
it's come to fruition where we could have multiple personalities
in all these retirement areas. Many of them have been
on the radio with us over the last I don't
know how many years. You know our good state planning partners,
Kerry and Keith from Provision Law. You know, have you
been putting a state planning off? We get guess what

(14:36):
twenty twenty six.

Speaker 4 (14:38):
Make it happen.

Speaker 2 (14:38):
Come on in for a consultation with them. You don't
need to procrastinate anymore. Great partners. We have Lance Lars
and our CPA. He's been on with us. We do
a lot of tax planning. He does tax preparation. We're
coming into that season. If you don't have a good
tax preparer. Him and Melissa, we're able to help a
lot of people at Hayman through that, Glenn and Isabella

(14:59):
and on our medic care, long term care, life insurance.

Speaker 4 (15:03):
All of those are real retirement topics that need to
be addressed.

Speaker 2 (15:08):
All of these things. Thankfully we have the wealth management team.
We have Brent, and we have Brent, and we have Kyle,
and we have yell USA and the whole investment team.
Wealth management money's kind of important. It's what we do,
and people don't oftentimes get the attention they deserve. Especially
for what they're paying, which is amazing to me. Most
people don't know how much they're paying, and I think

(15:30):
you should. So the number one compliment that we get
and I so enjoy it is wow, it's so nice
to have everything in one place where there's communication.

Speaker 4 (15:41):
That is a very, very big one.

Speaker 2 (15:44):
And I'll piggyback off for what Rachelle said, I've heard
this so many times. It feels so comfortable here. It
almost feels like family, and oftentimes when a new client
comes on, welcome to the family. Not to get goofy,
but it is a family style. It is warm. We
don't want to be stuffy. We're no better than anybody else.

(16:04):
And as she said it best, we don't have any
minimums here. We have those that have very little, and
we have those that have a lot. We have people
we help with medicare. Only we do some people's taxes.
The vast majority though they do as much with us
as they possibly can. Why they only have to go
to one location we have Just this week, I can

(16:25):
name a handful of clients that saw me or the team.
They went and saw Glenn for healthcare, Medicare or whatever
it is, and they went and saw lance what easier
way to do business, and that is the best compliment
that we get.

Speaker 5 (16:38):
Yeah.

Speaker 3 (16:38):
Absolutely, I mean it just to me the idea, especially
when I think about those cold winters there and the
Twin cities and you don't want to get in the
car and have to go, well, I'll be back. I
got to go over here to deal with this and
then I'll be back. You know, you do all of
it under one roof, and I just love that concept.
Talk to me a little bit about who are your customers?

Speaker 5 (16:59):
Ah, I was. You know, as we've originally started, we
did a ton of education. We still do. Education is
the heart of Haven. It's not gonna We're not gonna
change that. Larry said, I wish more people understood their
own stuff. He saw a lot of mistakes and people
just trusting like Okay, I have a guy, I have

(17:20):
a lady, I have someone helping me. But he really
wanted to educate people on their own stuff because it's
their stuff. We work for them. Every meeting is we're
still being interviewed, so we're always working for them. But
the client that is right for us is a client
that wants a holistic approach, Somebody that wants someone to

(17:44):
you know, partner with them, but also kind of wants
a sense of community. I would say our haven is
a community.

Speaker 3 (17:54):
Lterary. At times, your customer can be somebody who needs
a whole lot of attention, and then maybe somebody who
does doesn't need so much.

Speaker 4 (18:00):
Correct, Oh it is, it is for sure.

Speaker 2 (18:03):
People ask all the time, so do we get together
once a year or how often do we get together?
How often do you want to get together? Is that
what I usually say? Because what some people want a
lot of attention, and maybe they need the attention.

Speaker 4 (18:17):
That's okay. Some people don't want all the attention.

Speaker 2 (18:20):
And you know, early on, if we're creating a new relationship,
a new partnership, it requires a little more attention to
the specifics. Maybe if it's on wealth management, getting the
accounts over, talking through the strategies. They haven't got this
attention before. But there is no quotas how many times
we can get together. And again attention. It gives people

(18:43):
confidence to know that, well, those guys are actually paying
attention to what we need, what we need, and they're listening.
That's a big one, listening to what the client's needs are.
It sounds so elementary. But I can't tell you how
many times over all the years that I've done this. Well,
my last he didn't even listen to me. He just
told me what to do, and he didn't listen. And

(19:04):
that is such an important part of what we do.

Speaker 3 (19:07):
And I would assume that a client's situation can be
very cyclical.

Speaker 1 (19:12):
You know.

Speaker 3 (19:13):
There's times when they need you more than they need
you at other times, maybe it's when they've decided I've
had enough and I've got too much risk and we've
got to re you know, we've got to revamp this
this portfolio. Or maybe they have lost a spouse and
things need to change.

Speaker 1 (19:30):
You know.

Speaker 3 (19:30):
It's just a very cyclical situation.

Speaker 2 (19:33):
Yeah, And unfortunately, just this past week, I met with
a couple new widows that lost their spouse. So we're
having these tough conversations.

Speaker 1 (19:44):
You know.

Speaker 4 (19:44):
I'm thinking of one that they moved here from Texas.

Speaker 2 (19:47):
The whole time I knew him, he was a cancer
fighter in a variety of areas.

Speaker 4 (19:51):
He was a fighter.

Speaker 2 (19:53):
And then to hear his wife call and when I
came in on a month a couple mondays ago that
he passed away, and I just assumed that cancer got him.
And then she goes, wonderful lady, she goes, yeah, but
cancer didn't get him.

Speaker 4 (20:07):
He fell on the eye. He fell, wasn't even on
the ice. He tripped.

Speaker 2 (20:11):
He was fragile, and he tripped and he fell and
broke his neck. And so cancer did even take him.
So she was in where I said, you know what,
you gotta grieve. Just take care of what you need
to take care of. There's no rush, and when you're ready,
come on in. It will help adapt and make the
adjustments necessary. So you know, that is a big part

(20:34):
of what we do. We're in the relationship business. We're
looking to kindle long term relationships and that's really what
we built it. But we have people of all ways
of life. You know, early on, it seems like we
have tons in the healthcare business. I feel like I
have more nurses that want to take care of me.
I'm not exactly sure about that, ballistic nurses and this
there is like amazing. But then we have those in

(20:56):
the tech field, you know, when we get client events.
You know, obviously Delta is a big, big employer here.
We have lots of Delta retirees. See get technology. It's
like a mini reunion in all these different areas. And
now the beauty of it is our clients look forward
to getting together and they have a great time and

(21:16):
they can't wait till we get together the next time.
So that actually is really fun to see.

Speaker 3 (21:20):
And Rachelle, there's got to be times when you see
people come through the front door and they're so nervous,
they're so maybe worked up about something. So this also
becomes sort of a counseling business.

Speaker 5 (21:34):
Yes, yes, I think too. You know, everybody has their
comfort level with finances, so we deal with finances, We
deal with estate planning, taxes, re like all the medicare, insurance,
all the stressful topics, and everyone's comfort level with that
is different. And the one thing I love is, you know,

(21:56):
it's one to hear your husband say how he does business,
but it's another when you work together and you actually
see it. And so I love the non selling, no
pressure approach as a woman. If you if I feel
like I am being sold or pressured in any way,
I'm out. I just I really want to be led.

(22:21):
I get to choose the way it works for me, timing,
and I really love that we have that soft approach
it's really important to me that it's about the client
and not about our needs.

Speaker 3 (22:32):
I love that too.

Speaker 4 (22:33):
Yeah, let's face it.

Speaker 2 (22:34):
You know, couples can come in and on the way
over here, we're going to a financial office, they're going
to try to sell us something. You know, they're going
to try to sell us something, and they pinky promise
that we're not making any decisions today. We're not making
any decisions today. We don't want people to feel any pressure.
We want to take that load off immediately as they
go through that door. And in our process of getting

(22:57):
to know the first appointment, we cover all the different retirement.

Speaker 4 (23:02):
Topics and take a lot of notes.

Speaker 2 (23:04):
We want them to be comfortable if they choose to
want assistance in any of these retirement areas. We're going
to hold our hand on one thing at a time
and move them along as to whatever degree of quickness
or not quickness they want. You know, we have some
of those help I need help. I don't want to wait.
I don't want to wait. But in my meetings, I'll say,

(23:27):
I want you to be comfortable. We're ready to make
a decision. Are you sure? Because I don't want you
going home and going what do we just do right,
just put a sales pitch on me and now I'm
regretting it. We don't want to waste your time. We
want to help you where you want to be helped.
That is our motto and guess what we adhere to
it and I love when people. We never felt any

(23:49):
pressure here because it felt so comfortable.

Speaker 3 (23:52):
Rachelle Colvig is our guest. The number six one two
five zero four to eight four zero zero. If you're
looking for a partner in twenty twenty six, give the
folks at Haven Financial Group a call. When we come back,
we'll continue our conversation. You're listening to the Haven Financial
Group Radio Show.

Speaker 1 (24:10):
Ready to find your financial safe haven. Your dream retirement
is in reach. Don't go away. The Haven Financial Group
Radio Show will be right back. Are you worried that
your financial strategy might be missing something, Well, you're in
the right place. Larry Kolvig is back and ready to
help you find your financial safe haven.

Speaker 2 (24:31):
Good morning once again, and welcome to the Haven Financial
Group Radio Show. We appreciate you listening this morning, Happy Sunday.
Feel free to give us a call. Six one two
five zero four eighty four hundred visit us online at
Havenfinancialgroup dot com all kinds of retirement tools. We have
a community site there. We got clients that share recipes

(24:51):
and pictures and their favorite pets and whatever whatever else.
It's a really goods it's a really good website.

Speaker 4 (24:57):
I encourage it. Come out to our We'd love to
have you throughout the course of the whole year.

Speaker 2 (25:03):
Medicare made, simple Investments, social Security, all kinds of good ones. Actually,
Rachelle might even tell you about one coming up at
the Beam Center in Burnsville, a really big event. I'll
let her talk about that. We'd love to have you.
And it's good to have my wife of almost thirty
years and our office manager at Haven Financial Group with

(25:23):
us on the show today.

Speaker 3 (25:25):
Yes, it certainly is. And I'm so glad that you know, Larry,
you were the one who said maybe we should sit
down and do this, and I'm so glad that you
made this decision. And I think it's very important for
our listeners and for those out there who are trying
to make decisions about where to go to put together
their portfolio. It's important for them to hear what do

(25:46):
the two of you see this business being about and
I think so far, you know, you've explained to exactly
what Haven Financial Group is. I thought maybe what we
could do is walk our listener through the experience when
they decide that they want to set up one of
those appointments. You know, we give the telephone number. We say,
if you hear us here in the radio, give them

(26:08):
a call, set up a free consultation. But let's walk through.
You know, you've called, and you've made that appointment, and
now you're driving and parking in the parking lot. What
happens next?

Speaker 5 (26:21):
So I'll take this one there. When they are greeted,
they walk into the lobby, we're greeted. We make seriously
good coffee. People are like, this is the greatest coffee.
I'm a coffee snob, so it has to be really
good coffee. But we have every beverage you can imagine,
so from coffee to waters to iced tea. We always

(26:43):
make fresh sweet Martha's cookies.

Speaker 2 (26:46):
By the way, let's clarify, lots of beverages and stuff,
but not alcoholic beverages.

Speaker 3 (26:50):
Yeah, yeah, not when we're talking finances.

Speaker 5 (26:54):
No, sorry, yeah, I should have clarified. It's probably why
I'm not on the radio very often, right, So then
typically depending on what their goals are. We you know,
as our business has grown, we have so many referrals. Now,
right before I walked in, someone just had emailed me saying,

(27:14):
I would love to sit down with you guys get
a second opinion. But I'm deciding on healthcare the timing
of that. I want to retire, but I want to
accomplish several things when I'm at your place, and I
want to do that. So in this case, I'm going
to be efficient with this time. She's clearly still working,
and so I'm going to set up an appointment with

(27:35):
one are retirement specialists. We're going to do a social
security timing. We're going to look at all the pieces
that she has in her puzzle piece, So does she
have investment accounts, social security timing, any life insurance, all
those pieces, and then we want to look at the healthcare.
What is healthcare going to cost her if she retires tomorrow,

(27:56):
what does that look like for her? So we're gonna
then set up a meeting with the medicare specialists, and
so at one meeting driving here, she lives in Chascas,
so it's a little bit of a waste, not too far,
but a little bit. We're going to be efficient with
her time. So we're going to set up several meetings
and so that we can kind of get a good
picture of what she really would be looking at if

(28:18):
she was going to pull the retirement, you know, get
ready to retire officially. So that is one thing. And
I met somebody last week. He is kind of a
self manager. He's done extremely well and he wanted to
set an appointment, but he didn't want any fluff stuff.
So he actually met us, brought all his financial statements

(28:39):
and said, here, I don't want to do a bunch
of general intake. Here's all my stuff, and I want
to do a full review. So I want to cut
to the chase. I'm busy, but I really have heard
about you guys, and I'd love to sit down with
your team and do one stop shop. And a person
like that, where they're busy and time is an essence,

(29:00):
I might create a lunch, bring lunch in. I'll have
the team, so it'll take an hour and a half
and he has the tax, the investment, everybody at his fingertips,
and that really works for some people. So depending on
what your needs are and who you are and what
you're trying to discover. We can create that out and
carve that out depending on who you are and what

(29:23):
are your top priorities.

Speaker 3 (29:24):
Wow, fantastic. Give us an example of some of your
long term clients now and over the long haul, some
of your experiences with.

Speaker 5 (29:33):
Them, meaning like how often I'm seeing.

Speaker 3 (29:36):
How frequent if you see them, what kind of things
do they need to go through? If you're not hearing
from them, are you reaching out? Tell us what happens?

Speaker 5 (29:47):
What I find most often is our long term clients
we see frequently because they do a lot of services
with us. So right now, we just finished our Medicare season.
We highly recommend shopping out your insurance and medicare every
year because plans change, coverage change, and of course costs change.
And oftentimes they think, oh, you know, I like this company,

(30:10):
it's great, I'll just stick with it. But they come
in for a review and they're like, oh, I'm so
glad I did. I saved money, I got now all
these extra options. But we're now getting ready. So after Medicare,
we're getting ready for tax time. Our tax appointments are
filling up. We have two full time tax people, and
now we're seeing our clients for tax time and we'll

(30:30):
get calls going, hey, I'm coming in. I'm getting my
taxes done with Melissa or Lance. But I also want
to connect with Larry when I'm here, and I might
want to collect with the investment team, and I do
have a couple questions on insurance. So when I'm coming in,
can I line all this up? So depending on who
the client is, the amount of you know, their portfolio,

(30:52):
or the needs that they might have changes to their life.
We have a client in the lobby that sadly both
parents passed within the year, so now they have ross
that from their parents that they are needing to make
adjustments to. So depending on you know, what the situation is,
we will meet those clients' needs. But often we see

(31:12):
our clients many times a year, and our client events
is what our heart is because it's not just your
pri chart, but it really is cultivating relationships, meeting their
children now that come to our events, and so really
it's our chance just to connect on a customer service
friend level.

Speaker 3 (31:32):
Larry, I'm if I'm a client, am I kept abreast
of updated laws? Or am I kept abreast of deadlines
that I need to know because you know, a lot
of times when I'm looking for partner, it's because I
don't know all those or I don't keep track of
them very well.

Speaker 2 (31:49):
Yeah, some things are automated, but that's work for them
is to make them aware of these deadlines. And we
do that through either phone calls, we do that from
having educational classes, a variety of different ways, a lot
of different touches. We send out a quarter with nice
quarterly newsletters every single quarter. They're regular get in touch

(32:10):
with with social media or emails or touches. So we
don't fit the stereotype like a lot of places do,
where man, I haven't seen her talked to Larry in
three years, and I wonder what's going on. We're not
going to harass or bother anybody, but we're gonna stay
in touch. Because laws changed, the tax code change, the

(32:31):
big beautiful bill. Medicare and insurance is all goofy. Like
this past year, people were really in medicare with these
insurance companies. They were given little time to react. We
were given little time to react. Lennon Isabella had to
be really on top of it, so people really scattered
about going, Oh my goodness, what do I do?

Speaker 4 (32:50):
What do I do?

Speaker 2 (32:51):
Thankfully we were able to help as many as we
possibly could.

Speaker 4 (32:55):
Thankfully we got a.

Speaker 5 (32:57):
Newsletter too, so that comes out updating any any pressing news,
anything that they really need to know. If they're part
of that newsletter, if they've asked to subscribe, they are
getting all our weekly updates.

Speaker 3 (33:10):
Constantly, which is great because then they know if they
need to make an appointment, they know if they need
to reach out because something might be affecting them. We're
talking with Rachelle and Larry Colvig, of course of Haven
Financial Group. The number is six one two five zero
four eight four zero zero. You looking for a partner
this year, that's the number to call. You just heard

(33:30):
the process, good coffee, good cookies, and good company. Six
one two five zero four eight four zero zero. When
we come back, let's talk a little bit more about
the family, folks, because I want everybody to understand who
the two of you are when you're not there in
the office. This is the Haven Financial Group Radio Show.
Don't go too far.

Speaker 1 (33:50):
We're gathering more important insights and retirement ways the Haven
Financial Group Radio Show. We'll be right back, stick around.
You've got questions, we got answers. Your tune to the
Haven Financial Group Radio Show with your host Larry Kolvig
and Kim Karrigan. Now back to the show.

Speaker 2 (34:10):
Good morning once again, and welcome to the Haven Financial
Group Radio Show.

Speaker 4 (34:13):
I hope you're enjoying the show today.

Speaker 2 (34:15):
A little bit out of the norm, but great to
have my wife of thirty thirty almost thirty years and
talking about a variety of different things that we find
so valuable that we're very passionate about at Haven Financial Group.
So if you're listening and have questions or any of
this stuff resonates, maybe you, like many have been putting
things off. You just don't know. Whatever those questions are.

(34:36):
Six one two, five zero four eighty four hundred, visit
us online Havenfinancialgroup dot com, shoot us an email info
at Haven Financial Group, whatever it takes to get your
questions answered. That's why we're here, and we're so glad
you're listening.

Speaker 3 (34:51):
Well, it's been terrific to have Rachelle here with us
this Sunday. It is so important, guys, I think that
people understand who the two of you are and what
the business is about. You know, when you come to
a company like yours and you're intrusting your life's work,
your family's future. I think most people certainly, I know

(35:16):
this is the way I feel, and most people feel
the same. You want to know that you're dealing with
people that you can trust, people whose values aligned with yours,
people who have your best interest at heart. And that's
a lot about why we did this show today, and
I think that we're doing a good job of explaining
who the two of you are and what the company
is all about. Let's talk We mentioned right off the top,

(35:40):
you guys are celebrating thirty years married. Let's talk a
little bit about family values. You have four daughters, and
I know that you're very close. Although they are spread
out across the country, I know you're very close to
those girls.

Speaker 5 (35:52):
Ah, they are pride and joy. We are so blessed.
You know, family is everything. So one rule that Larry
and I worked together clearly, but when we are not
in this office, we really work hard to not talk
about work because it all is about the family, and
the core is first and foremost. It's not business, it's

(36:14):
not haven. It is our family, and we're so blessed
to have that, and we have Our oldest daughter is Paris,
she is twenty four. We have identical twins, Sierra Chanel
twenty three, and our daughter Monet is nineteen, soon to
be twenty in February. So but four daughters, they're all adults,

(36:37):
keep us busy. We have one boyfriend in the picture.
We did just have three, so that has changed good.

Speaker 3 (36:46):
In those early twenties. That's sort of like waving wea.

Speaker 5 (36:52):
One was a little hard to see, let go, and
the other they were It was a thank you Jesus moment.

Speaker 3 (37:00):
Yes, and you have extended family too, because I know,
Larry you speak about your family, your parents being right there,
and I know they're important to you as well.

Speaker 2 (37:09):
Yeah, we just recently had our Christmas, a late Christmas,
of course, because when we're going to have it, Minnesota
blizzard happened to have and so they weren't going to travel.

Speaker 4 (37:19):
Many of the listeners, if you listened over the years, knew.
I know.

Speaker 2 (37:21):
I grew up on a dairy farm in Kandyo, High Minnesota,
West central Minnesota. My parents Wendell and Carol at eighty
and seventy eight, Sorry, Mom and Dad, you probably didn't
want me to stay in.

Speaker 4 (37:31):
Your age, but I just did.

Speaker 2 (37:32):
So they're still farming, not because they have to, because
they don't know anything different than work, which probably is
where I got my work ethic. Thank you very much.
Mom and dad appreciate it, so they're back there as
well as one of my brothers. I'm the oldest of
three boys. Yes, so that's where I grew up and
it is important. Rachelle mentioned our daughters our pride and joy.

(37:55):
They are adults and adult adult parenting is very different
than not adult parenting. But overall, we cherish our family
time together. We put off family vacations for many, many
years primarily because of me, and for the last ten
years we truly cherish our family vacation. So, you know,
we've tried to add here. You know, starting this company,

(38:16):
it's hard work building, build and build, but trying to
you know, the faith, family and friends and work and
try to keep it in that order to the best
of our ability, which isn't always easy.

Speaker 4 (38:26):
We know that, but it has it bear.

Speaker 2 (38:29):
It's bared good fruit, not only for us, the business
and our staff. For many of them it's been life
changing being able to see them succeed in their families
in their life. That's really fulfilling and that truly means
a lot to Rochelle and I and that's going to
continue to mean a lot as we continue to grow.

Speaker 1 (38:51):
Well.

Speaker 3 (38:52):
I bring this up because I think it's really important
for people to understand that your family comes first. And
I feel confident when you're sitting across the table for
someone their family means a lot to you as well.

Speaker 5 (39:03):
Yeah, I think it's important to do things right for
people and treat people like you'd want to be treated.
And I think that's what we, you know, always keep
at the front of every conversation of every appointment is
what's right for the client and not just us or
the agent that they might be working with, but what

(39:25):
is right for their family. And I always say too,
and Larry and I if we're looking at making a purchase,
if we're not on the same page, don't do it.
Just wait until you have peace about being on the
same page. And when I you know, when people have
a first meeting or a second meeting and you can
tell they're not they just they're not on the same page,

(39:45):
don't make any decisions. Don't come aboard if you don't
feel peace together. Then wait until you're both on the
same page, and usually they'll be on the same page
and then it's like everybody has peace. We want people
to sleep, we want people to cultivate a long relationship.
We're not looking for a transaction, and so I think

(40:06):
it's important as a husband, wife that you or whoever
your spouse is or your partner to be on the
same page before you move forward in any kind of
business decision.

Speaker 3 (40:16):
Larry, what's your goal for your clients?

Speaker 2 (40:18):
I want them to have the utmost confidence that what
they're doing is the right thing to do. And that's
whether they're in good shape for retirement or in bad
shape for retirement. You know, we don't We're not going
to sugarcoat anything. If there's an issue. If there's a problem,
they deserve to know am I going to run out
of money? Why am I going to run out of money?
What adjustments do we need to make? We want to

(40:40):
be good stewards with their money, and we want to
make sure that you know, we're not exposing too much
of their money. Is to risk that they're they're unaware of.
We want them to have an understanding of an awareness
and understanding they don't have to be the experts. You know,
that's probably why they're hired us in whatever capacity to
help them. But we want to communicate with them to say,

(41:01):
this is why we're doing this. Let's talk through this.
When the market's down, you're gonna get a little scared,
let's talk about it, because remember we have a plan intact.
Oh that's right, we can weather this storm. We certainly
can weather this storm. And that's done by communication and
giving the attention people deserve. I am awestruck by so

(41:24):
many conversations with folks, Well, how many time how often
you see your guy or gal?

Speaker 4 (41:28):
Well maybe once a year, but last year we didn't
get together.

Speaker 2 (41:31):
Really, And who's helping you with your medicare Well, I'm
trying to navigate it myself. We don't pay anymore to
have somebody be a partner and help you. So again,
a lot of times you don't know what you don't know.
And again I don't want to say any more than education,
not just for new people that we come across. Our

(41:53):
clients know that we're that education center. They can come
into any of our classes. We want them to invite
their family. We have some great families Rachelle mentioned it.
We're getting to meet a lot of our clients' kids.
Guess what, now they're thirty and forty. They're going to
retire some day hopefully, Well let's help them now. So

(42:14):
again our focus is retirement, but more importantly, our focus
is on the people that we serve. We're not perfect
for everybody. Okay, not everybody's perfect for us, but for
many they deserve the attention. And if you're listening and
you feel, you know what, I don't know if I
am getting the right attention. There is no cost to
come in and visit with us. Maybe you like Chelle

(42:35):
better than Larry. That's okay. I've dealt with it for many,
many years.

Speaker 3 (42:39):
That's not new, Rachelle. Any final thoughts that you'd like
to share.

Speaker 5 (42:47):
I just think as people get older, you know, this
is Larry's area, but the financial stuff is not necessarily
my first love. I love the people, the customer service.
So we're wired differently, and I think it's nice to
have a place where I can ask questions and not go, oh,
he's going to laugh, or they're going to think it's
a stupid question. And as you get older, it gets

(43:08):
confusing sometimes there's a lot of changes and technology and healthcare,
and it does get confusing. And I like that it
is all under one roof because if you know when
you're doing with health stuff, you have a doctor here
and a doctor there, and if people aren't communicating, things
get missed. And we've seen that a lot where not

(43:31):
having things under one roof, there's definitely opportunities that are missed.
And I love that we aren't missing opportunities. And people
can ask questions and there's no such thing as a
stupid question. So as a female, if something happened to Larry,
I know I'm situated. I know I have my estate plan,
but I'm going to have probably more questions than somebody

(43:53):
like a Larry would have ever had. And I would
love to have a place where I don't feel stupid,
I don't feel like, oh, that's a silly question. And
so I wanted to create that environment for all walks
of life here.

Speaker 4 (44:05):
Therefore the name Haven. We wanted to be a safe haven.

Speaker 3 (44:08):
Yeah, absolutely, six one two, five, zero four eighty four hundred.
That's how you reach the folks at Haven Financial Group.
It has been such a delight, Larry, thank you very
much for inviting your beautiful wife on I can see
why you you you know, sometimes are left in the back.
She's pretty spectacular.

Speaker 4 (44:31):
Because everybody else is it too.

Speaker 3 (44:37):
Lovely to see you guys. Thank you both. It's been
a great show.

Speaker 4 (44:40):
Thank you Cam. Great to be with you.

Speaker 5 (44:41):
Thank you.

Speaker 3 (44:43):
Investment advisory service is offered through Guardian Well Strategies LLC.
Haven Financial Group and Guardian Well Strategies LLC are not
affiliated companies, and investments involve risk, and, unless otherwise stated,
are not guaranteed. Please consult with the qualified financial advisor
and or tax professional for implementing any strategy discussed herein
and comments regarding its safe and secure investments and guaranteed

(45:05):
income streams only refer to fixed insurance products.

Speaker 1 (45:08):
They do not refer in any way to securities or
investment advisory products.

Speaker 3 (45:12):
Fixed insurance and annuity product guarantees are subject to the
claims paying ability of the issue.