Our Team

Michael J. Wochnick, ChFC^®

mwochnick@focusfinancial.com

With more than 20 years of experience in the financial industry, Michael specializes in retirement planning at all stages, from retirement saving to transferring wealth and leaving a legacy. Michael earned his B.A. in Elective Studies from St. Cloud State University, and his Charter Financial Consultant (ChFC) designation from the America College of Financial Services. Michael has also been an active member of the Academy of Preferred Financial Advisors, with a strong emphasis on tax reduction planning. 

As the leader of our Comprehensive Wealth Management Services Team, Michael is responsible for implementing and overseeing best practices for managing client relationships, developing customized and comprehensive financial plans, implementing tax management strategies, providing tailored and simplified estate planning, and directing personalized income and growth investment strategies.

Michael enjoys spending time with his wife Heather and their two children, along with fishing, deer and waterfowl hunting, boating, and many other outdoor activities. Michael also enjoys volunteering in his community and is a long-time member of the Little Falls Exchange Club.

“Life and finances constantly mix.  It’s rewarding to help people with both.”

Ray Sauer

RSAUER@FOCUSFINANCIAL.COM

Born and raised in Walker, Ray graduated from Bemidji State University in 1970. He built a career spanning more than 50 years working with life insurance. During that time, some of the most gratifying moments came when he was able to help his clients stay in their home and maintain their lifestyle after the loss of a loved one.

Ray wanted to further help his clients in the area of financial services and retirement planning, so he acquired his securities licenses in 1993. In 2017, Ray joined Wochnick & Associates as a Financial Advisor.

“Over the years, building and enhancing client relationships has been truly gratifying.”

Mary Card

mcard@focusfinancial.com

Raised in Alexandria, Mary Sue graduated from Jefferson Senior High School. She went on to earn a degree in Hospitality Management from Moorhead State University and Alexandria Technical College.

Since joining Wochnick & Associates in 2014, Mary Sue has played an integral role in delivering a great client experience. She is responsible for executive assistance, scheduling, client meeting prep, and account processing. In addition, she leads the planning and implementation of client appreciation events and initiatives.

Outside of the office, Mary Sue enjoys spending time with her husband Terry, her three children, and her close friends. Her favorite pastimes include traveling, boating, and riding horses.

“I really enjoy planning our client events. They help form a better personal connection.”

*Not registered with Royal Alliance Associates, Inc.

Andrew Koetter, CPFA^®

akoetter@FOCUSFINANCIAL.COM

Born and raised in St Cloud, Andrew attended the University of Minnesota—Twin Cities, where he earned a bachelor’s degree in History and Global Studies. After college, Andrew embraced an opportunity to pursue two of his life’s passions, travel and helping people. He joined the United States Peace Corps and spent 7 months volunteering in Ukraine as part of their youth development program.

Andrew obtained his securities licenses in early 2018, eventually being welcomed to the team at Wochnick & Associates. Now, Andrew chooses to help people by working with them to make informed financial decisions and plan for their financial futures.

In his free time, Andrew enjoys traveling, going to the movies, spending time with family and friends, and trying to improve his golf game.

“There’s nothing better than knowing you’ve made a meaningful impact on someone’s life.”

Alicia Kapus

AKAPUS@FOCUSFINANCIAL.COM

Alicia was born in Wichita, KS, and moved to the Ft. Ripley, MN area at two years old. She graduated from Brainerd High School and attended Rasmussen College, earning a degree in Paralegal Studies. After college, Alicia worked in the legal field for 12 years before obtaining her securities licenses in early 2019, eventually welcomed to the team at Wochnick & Associates.

Alicia enjoys working with her clients to help simplify and understand the financial industry and create customized plans to prepare for and transition into retirement.