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 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 2 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.
Born and raised in Walker, Ray went on to graduate 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.
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.
*Not registered with Royal Alliance Associates, Inc.
Since graduating from SCSU in 1980, Tom gained varied business experience, eventually owning his own marketing firm. During that time, financial planning and investments were always an avocation. In 1998, Tom decided to make these his permanent career choice, and has never looked back. The unexpected bonus was the true joy that came from helping people reach their financial goals. That may be most responsible for how Tom’s clients have so successfully maneuvered through uncertainties over the past decades.
Finally, while Tom enjoys golf, basketball, reading, and grilling, none of these get close to the importance of time spent with family and good friends. As many clients have heard him say...
Born and raised in St Cloud, Andrew went on to attend 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 went on to obtain 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.