Office 715-245-6255

Cell 612-518-6516

©2019 by Croix River Wealth Management. Proudly created with Wix.com

Let Us Help You Make Retirement Easier

Never before have we faced so much uncertainly that can affect all areas of our lives and our finances. Croix River Wealth Management helps provide you with the guidance you need in order to live a better life.  We strive to leverage your successes.  Fill out the form below to get started.

 

 

Your Fiduciary Advisor

 

Why Croix River Wealth Management?

 

Founder, Mark Kuhne, implements the beliefs of nationally syndicated radio talk show host Dave Ramsey.  He leads our SmartVestor Pro platform.

 

As a fan of Dave Ramsey he is proud to be a

SmartVestor Pro for Minnesota and Wisconsin.

Dave Ramsey's 7 Baby Steps include:

  • Save $1000 as a starter Emergency Fund

  • Pay off debt using the Debt Snowball method

  • Finish the Emergency Fund: save to cover 3-6 months of expenses

  • Invest 15% of income for retirement

  • Save for college

  • Pay off your mortgage

  • Build wealth and give

 

The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Croix River Wealth Management or Horter Investment Management LLC.

Income & Cash Flow Management

The Guidance You Need

Income Planning for your lifetime and protecting your “nest egg” is important.  “Longevity Planning” includes short term and long term investing with a bias toward capital preservation and competitive rates of return over time. Will you outlast your money over the next 10, 15, 20, 25 years plus?  Without good planning combined with additional planning for nursing care stays and estate planning, your lifestyle and retirement could be in jeopardy.

 

Investment Placement

The Guidance You Need

We start by getting to know you, your hopes and dreams, and your desired lifestyle. This crucial step guides the development of your personal investment recommendation. We work with you to develop a strategy aimed at reaching your goals, and we implement and maintain it for you on an ongoing basis.

 
Golfing Couple

Introductory Visits

A fun-filled discovery process that identifies your needs and goals to build your bright sunny future.

Planning Sessions

 

Our process will help guide you through an enlightening journey to pursue financial freedoms. We help you take back control.

Steering Wheel

Estate Protection & Legacy

The Guidance You Need

Living Trusts, Wills, Power of Attorney for Assets, Healthcare and Physician Directives, and more...

 
Father's Kiss_edited.jpg

Many Americans have no plan in place.

A Living Trust helps to take care of your needs and family if you are unable to manage your affairs because of an accident, illness, or age.

Protect Your Legacy

A Living Trust can provide support of your minor children or grandchildren and can help protect a disabled child without jeopardizing the child’s government benefits.

Dale Diane pic cropped.jpg
Holding Hands

Maintain Privacy and Avoid Probate

A Living Trust helps to assure privacy of your family’s financial condition and assets by avoiding the public disclosure of probate.

It is Time to Protect You and Your Family

Don't wait for an accident or illness.  An entire Trust Package (revocable living trust, wills, power of attorney for finance, and health care directive) is not as inexpensive as one thinks.

MK fam pic_edited.jpg

 

 

Business Owners

 

You've built your business.  Now is the time to establish your exit strategy. Tax-efficient plans often take years to execute. With our collaborative team we help you evaluate your options. We also provide retirement plans (MEPs-401k plans), strategic planning, and leadership development to change management.

Insurance

The Guidance You Need

 

Annuities

Focus on your lifestyle and worry less about protecting your assets. Some annuities provide guaranteed lifetime income to supplement your Social Security or pensions. Quotes are free.

Life Insurance

Let's face it, the loss of Social Security or pension income can be devastating to the surviving spouse. Newer policies may even provide LTC-like protection if you cannot perform activities of daily living. Quotes are free.

Long Term Care Insurance

Mark Kuhne's father was deemed incompetent at age 75 and placed in a memory care facility costing approximately $8k/month. He lived until age 78. Without his LTC policy, his wealth would have been depleted. It may be more affordable than you think. Quotes are free.

 

About Mark Kuhne

Mark Kuhne is Founder of Croix River Wealth Management, a fiduciary & licensed insurance producer.  He is proud to be a SmartVestor Pro, vetted by Ramsey Solutions.

 

Dave Ramsey is one of America’s most trusted voice on money and business matters. He is a personal money-management expert, radio personality, and author of numerous books. Mark is excited to be part of the Smartvestor program because Dave’s beliefs about financial education and retirement planning are rooted in the same beliefs as Croix River Wealth Management. By having the heart of a teacher, and not of a salesman, Mark dedicates the time needed to listen to your goals and educate you on your investment options.

Mark Agrees To The Smartvestor Code Of Conduct and believe's everyone deserves access to solid, professional investing guidance. He is a SmartVestor Pro because of his experience in the industry and his drive to help others.

Mark Provides A Refreshing Twist On Financial Guidance.  He has the heart of a teacher, not the attitude of a salesman. You can feel comfortable talking with him. He cares about your future.  You can relate to and share your dreams with Mark. He coordinates your investment placement to your life (cash flow management, tax planning, and estate protection) and helps you understand what you’re investing in and why, and encourages you to stick with your long-term goals.

 

Mark provides retirement solutions using a suite of tools that strives to grow, empower and help protect your assets and wealth. He has presented workshops throughout Wisconsin and Minnesota since 2012. Prior to 2012 he has served in various roles where he began as a teller and worked his way up to Community Bank President.

 

Volunteer and Civic Roles

  • Score mentor to numerous entrepreneurs and small business owners: for over 50 years, SCORE has served as America’s premier source of free business mentoring and education. As a resource partner of the U.S. Small Business Administration (SBA), SCORE has helped entrepreneurs through mentoring, workshops and educational resources since 1964 (see Score.org).

  • Member of the CPA Plus Network, a peer-to-peer network of professionals who provide non-traditional services such as coaching, consulting, business development and wealth management services (see CPAPlusNetwork.com).

  • Volunteer & Member of the Hudson Area Chamber of Commerce and Tourism Bureau: Golf Committee

  • Previous Vice President, Treasurer, Board Member for Anoka County Chamber

  • Previous Board Member Northwest Suburban Chamber and Chair Business Education

  • Previous District Chair of Finance Committee and District Chairman, Boy Scouts Viking Council, Crow Wing District

Licenses & Education

  • Investment Adviser Representative:

  • Horter Investment Management, LLC

  • Insurance Licensed (Life, Health and LTC):WI #16489159, MN #40341523

  • MBA (Finance), University of St. Thomas, Minnesota

  • BA (Major: Economics, Minor: English), University of Minnesota

 

Learn more now.

Don't Wait.

Home Office: 46 Ashbury CT, Hudson WI 54016

Visits are by appointment only.

Office and Cell (612) 518-6516

FAX (877) 569-6142

 

Disclosures

The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. 

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor.   Horter Investment Management does not provide legal or tax advice.  Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements.    Insurance and annuity products are sold separately through Mark Kuhne, Croix River Wealth Management.  Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Low Risk or Low Volatility strategies are generally defined as strategies that have a 10-year maximum drawdown of less than 10%. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.

Insurance and annuity products are not sold through Horter Investment Management, LLC ("Horter"). Horter does not endorse any annuity or insurance products nor does it guarantee their performance. Owners of these products are subject to the terms and conditions of the policies and contracts of the issuing companies. All product guarantees depend on the insurance company's financial strength and claims-paying ability.

Don't Procrastinate. It May Cost You More Than You Think!