E. Dennis Zahrbock | Sarah J. Kaelberer | Laura L. Maksymkow

Sarah J. Kaelberer


Master of Business Administration, MBA
Certified Financial Planner, CFP®
Chartered Life Underwriter, CLU®
Chartered Financial Consultant, ChFC®
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Sarah is the backbone of Business & Estate Advisers, Inc. As President, she leads the company, drives new business, and serves clients with the highest degree of excellence. With over 20 years of experience in the financial services industry, her knowledge, energy and commitment are essential in developing the high quality solutions clients deserve.

The CFP certification is the industry standard of excellence for competency and planning and it further defines Sarah’s ethical obligation to those she serves. She is a master architect, crafting solutions for clients through in-depth conversations that draw out what is most important to them. With the B&E client-centered process, Sarah effectively works to restructure and enhance client assets so that they can accomplish what they want in life.

Sarah is a recognized leader and sought after across the country for her expertise in retirement plan solutions. She serves in a leadership role and is a continuous Top of the Table honoree in the Million Dollar Round Table (MDRT), the Premier Association of Financial Professionals internationally. Less than 2,000 professionals in the world reach this status

A recognized industry author, trainer and presenter, Sarah shares her creative business, financial and insurance insights and solutions with local, national and international audiences, ranging in size from 11 to 11,000.

Sarah earned her MBA degree from the University of Colorado and she continues to study industry journals daily to stay current and uncover new opportunities. She also attends industry meetings with top advisers who have service expertise that can benefit Business & Estate Advisers clients.

Sarah and her husband Darvin have three children. Together they enjoy long weekends “up north” where they catch walleyes, sit by the campfire and play an occasional round of golf. Kaelberer is active in Wayzata Rotary, Chamber of Commerce, as well as numerous charitable events.

“We are a leader in the industry and a resource for our clients in any problem they need solved.” – Sarah J. Kaelberer