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Financial Solutions by Life Stage

No matter your life stage, the financial advisors at Bremer Investment Services stand ready to help you achieve your goals.

If you are just starting in the workforce or well into your career, it’s never too early or late to establish a solid financial plan so you have confidence for the years ahead. Your savings needs are likely to evolve over time as your family expands or other changes take place, so be sure to work with your financial advisor to continually refine your plan and investments over time.

Services Needed

  • Savings
  • Financial plan
  • Retirement goals & planning
  • Life insurance needs


  • Cash flow
  • Debt management
  • Retirement accumulation
  • Career and family goals

In the decade or so before retirement, you will be focused on planning for your retirement and making sure you’ll meet your goals. We work with you to plan for the transition to retirement including estate planning, life insurance and long-term care planning.

Our comprehensive approach to financial planning makes sure we help address the challenges that occur during this stage, managing your risk and targeting a retirement date that will allow you to live the retirement you envision.

Services Needed

  • Retirement goals & planning
  • Retirement transition
  • Preliminary estate planning
  • Life insurance needs
  • Long-term care insurance


  • Accumulation
  • Retirement timing
  • Portfolio risk management
  • Earnings protection
  • Family & lifestyle

In the 12 months prior to retirement, we work with you to plan for your retirement income. Our advisors can analyze your Social Security income, plan for health and life insurance needs, and put in place a plan for your estate and legacy. We address the challenges of cash flow, taxes, asset protection and wealth transfer to help put you in the optimal position for retirement.

Services Needed

  • Retirement transition
  • Income planning
  • Social Security analysis
  • Health insurance plan
  • Life insurance needs
  • Estate & legacy planning


  • Retirement date
  • Portfolio construction
  • Cash flow for income
  • Taxes
  • Asset protection
  • Wealth transfer

You’ve made it! Our advisors can work with you to transfer your wealth to beloved friends, family members and organizations.

Services Needed

  • Wealth transfer planning
  • Estate planning coordination
  • Legacy planning
  • Charitable planning
  • Asset reallocation for long-term care


  • Beneficiaries
  • Titling on accounts
  • Longevity planning
  • Legacy
  • Assets available for long-term care

© 2019 Bremer Financial Corporation. All rights reserved.

Securities are offered through Raymond James Financial Services, Inc. member FINRA / SIPC. Securities are not insured by bank insurance, are not deposits, obligations or guaranteed by the bank and are not insured by the FDIC or any other government agency and are subject to risks, including the possible loss of principal. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Bremer Investment Services and Bremer Bank are not registered broker/dealers and are independent of Raymond James Financial Services, Inc. Bremer Investment Services, 8800 Hwy. 7, St. Louis Park, MN 55426 800-908-2265.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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