St. Croix Advisors, LLC

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St. Croix Advisors, LLC No matter your goals, St. Croix Advisors is your one stop solution to managing your financial life. At St. Visit our website at www.stcroixadvisors.com.

Croix Advisors we have three beliefs about Financial Simplicity. It is when you reach the point in your life......
• That living life becomes more important than having stuff.
• That you truly follow the priorities you have set out for yourself.
• That you would like to rely on someone else to manage your financial life so you can focus on living your life. It’s enlightening, freeing and powerful when you break each one of those principles down and start to apply them to your daily lives. Knowing where you are, where you’re going, and the impacts you want to make along the way in this journey called life is something we all seek, but few have truly successfully accomplished. To bring it all together and create financial simplicity in the pursuit of your priorities with clarity is one step in getting there. We have clients primarily in three areas: Minnesota, Wisconsin & Florida. We work with client's in person or online/over the phone. Technology today makes it so convenient to stay in contact and updated on where you stand financially.

10/15/2026

Could your spouse afford to maintain your lifestyle without you? Losing a spouse can mean losing a source of income, too.

Social Security benefits may change. Pension income may be reduced or stop. Household expenses may not decrease as much as expected.

Have you considered what your surviving spouse's financial picture would look like? Your retirement plan should account for the possibility that one of you may need to live on it alone.

These “what if” questions are powerful to ask and answer beforehand so you can address and make the necessary changes if need be.

10/14/2026

The best time to talk about long-term care is before you need it. Waiting until someone has fallen, received a serious diagnosis, or can no longer live independently can leave families making major decisions in a matter of days.

Where will Mom live? Who will help Dad? How will we pay for care? Who has the authority to make decisions? These questions deserve more than a rushed conversation in a hospital waiting room.

10/13/2026

Your healthcare wishes shouldn't be a guessing game.

If you couldn't communicate your medical wishes, would your family know what you wanted?

An advance healthcare directive allows you to document your preferences and identify someone to make healthcare decisions on your behalf.

The document matters, but so does the conversation. Give your loved ones the opportunity to understand your wishes before they're faced with difficult decisions.

Get it in writing. Share it.

10/12/2026

What happens if you can no longer manage your own money?

Imagine being unable to pay bills, manage investments, or make financial decisions because of an illness or injury. Who steps in? Do they have the legal authority to act? Do they know where your accounts are?

Financial incapacity can happen long before death. Make sure your plan addresses what happens when you're still here but can no longer handle everything yourself.

Have a plan in place. Some people never want to talk about this one!

10/11/2026

Are you overlooking an opportunity to convert some of your retirement savings to a Roth IRA?

You've spent decades saving for retirement, but have you considered the taxes you or your heirs may eventually pay when that money is withdrawn?

A Roth conversion allows you to move money from a traditional retirement account into a Roth IRA, generally paying income taxes on the amount converted.

Depending on your circumstances, this could help manage future taxes and potentially provide your beneficiaries with more favorable tax treatment on inherited retirement savings.

Roth conversions can have significant tax consequences, so the amount and timing matter. For those on Medicare, there’s another consideration: A conversion could increase your income enough to trigger higher Medicare premiums through IRMAA. But should the possibility of higher premiums automatically rule out a Roth conversion?

Have you considered whether a Roth conversion makes sense before the end of the year?

10/10/2026

Would you rather receive care at home or in a facility? It's a simple question with potentially complicated financial implications. I’d rather be at home.

Aging at home may require modifications, transportation assistance, in-home caregivers, or help with everyday activities. Moving into an assisted living facility brings a different set of considerations. I’ve already made long-term housing decisions at my young age so the rest of my family doesn’t have to.

Talk with your family about your preferences, even though confronting our own mortality can be a scary thought. Then determine what resources may be available to support them. Having a preference is important. Having a plan to make it possible is even better.

10/09/2026

Your children are not your long-term care plan. I know this firsthand from my family. The mental toll it takes on the caregivers is enormous.

Your adult children may love you dearly and want to help you as you age, but have you considered what caring for you could mean for their careers, marriages, finances, and families?

Planning for long-term care doesn't mean your children won't be involved. It means having a conversation about what they're willing and able to do before they have to make those decisions under pressure.

10/08/2026

What if you live to 95 but need help for the last 10 years? We spend decades planning for retirement, but how much time do we spend planning for the possibility that we may eventually need help caring for ourselves?

Assisted living, home healthcare, and nursing home care can significantly affect your finances and your family's lives. A long-term care plan isn't just about how you'll pay for care. It's also about where you want to receive it and who will help make decisions.

We don’t always think about how much money may be needed to cover care and support during the final years of our lives.

10/07/2026

Who have you chosen to make decisions when you can't? Naming someone as your financial power of attorney isn't simply about choosing the person you love most. It's about choosing someone you trust to handle financial responsibilities, make difficult decisions, and act in your best interests.

Have you discussed the role with the person you've chosen? Do they understand what you're asking them to do? Don't surprise someone with a responsibility they never agreed to accept.

Being chosen as one’s Power of Attorney agent is also a big responsibility to take on. Know what you are getting into. It can be scary and overwhelming at times.

10/06/2026

Have you thought about giving your children their inheritance while you're still alive?

You've spent decades building wealth that you hope to pass along to your children and grandchildren. But have you considered whether some of that money could make a greater difference in their lives today?

Helping with a down payment, paying for education, or providing financial assistance during a difficult season may allow you to see the impact of your generosity firsthand.

Before making a substantial gift, consider how it could affect your retirement security, estate plan, and potential gift tax reporting obligations.

You don't necessarily have to wait until you're gone to make a difference in your family's financial future. I’ve seen the positive impacts this has on the next generation. Why wait until you’re dead?

Address

724 Bielenberg Drive, #4
Woodbury, MN
55125

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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