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Business & Estate Advisers, Inc.

  • About
  • Services
    • Comprehensive
      Financial Plans
    • Custom Designed Retirement Plans
    • Business
      Transition Plans
  • Team
    • Sarah Kaelberer
    • Laura Maksymkow
    • Ryan Michaelis
    • Brittany Alexander
    • Erica Anderson
    • Anne Vardan
    • Melanie Kriegler
    • Trish Duc
    • Jim Schiltz
  • Events
    • All In Charity Poker 2024
    • Skip-A-Day 2024
  • Resources
    • Educational Videos
    • Case Studies
    • Contribution and Benefit Limits
    • Valmark Form CRS
    • Tax Reference Guide for 2024
  • Contact

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  • About
  • Services
    • Comprehensive
      Financial Plans
    • Custom Designed Retirement Plans
    • Business
      Transition Plans
  • Team
    • Sarah Kaelberer
    • Laura Maksymkow
    • Ryan Michaelis
    • Brittany Alexander
    • Erica Anderson
    • Anne Vardan
    • Melanie Kriegler
    • Trish Duc
    • Jim Schiltz
  • Events
    • All In Charity Poker 2024
    • Skip-A-Day 2024
  • Resources
    • Educational Videos
    • Case Studies
    • Contribution and Benefit Limits
    • Valmark Form CRS
    • Tax Reference Guide for 2024
  • Contact
  • Search
Sarah pointing over woman's shoulder by computer screen

Delivering exceptional service
with your interest in mind.

Our knowledgeable team helps you achieve financial success using creative solutions. We listen to you and then guide you on a wise and informed journey toward financial security – in your business and in your personal life. Since 1977, we have remained committed to serving each and every client with exceptional service.

 

Bringing greater comfort & clarity into your financial future

Kids at the lake

Comprehensive
Financial Plans

Comprehensive <br> Financial Plans
Custom Designed Retirement Plans featured image

Custom Designed Retirement Plans

Custom Designed Retirement Plans
Business Transition Plans featured image

Business
Transition Plans

Business <br> Transition Plans
3 women talking

Why Choose B&E?

With your interest in mind: it’s been our promise since 1977, and it continues to serve as our moral compass today. 

Creative Problem Solvers.

The pace of change is great, and our clients face opportunities and challenges only imagined a decade ago. It takes industry insight, financial planning and agile thinking to stay on the leading edge. Our favorite words to hear from clients are: “I would have never thought of that.”

Knowledgeable Confidants.

We provide sound, practical and timely advice. As a client, you get the benefit of an entire team committed to your success. We have earned financial service industry credentials to better serve our clients, and we remain committed to staying current in our areas of expertise.

We live by four simple
business rules:

  • Be on time.
  • Do what you say you will do.
  • Do it when you said you would.
  • Be polite and courteous.

 

The Planning Team

Sarah Kaelberer Headshot

Sarah J. Kaelberer

President | Partner
CFP®, ChFC, CLU

Sarah J. KaelbererLearn More

Laura Maksymkow Headshot

Laura L. Maksymkow

Vice President | Partner
ChFC

Laura L. MaksymkowLearn More

Ryan Michaelis Headshot

Ryan A. Michaelis

Vice President | Partner
CFP®, ChFC, CLU

Ryan A. MichaelisLearn More

Meet The Team

B&E Office

Resources

Welcome to our online resource library providing insight on timely news and helpful information in the financial world as well as updates on our community and company events.  Please contact B&E with any questions or comments. As always, we appreciate the opportunity to discuss your financial needs.

Skip-A-Day 2023

Thank you to all who attended B&E’s 39th Annual Skip-a-Day of Work Event! The weather was fantastic, but the great times and laughs were what made the day truly exceptional.

Skip-A-Day 2023Learn More

News - SECURE 2.0 act makes retirement saving easier

SECURE 2.0 Act Makes Retirement Saving Easier

SECURE 2.0 is designed to make retirement savings easier and the process less cumbersome. On December 29, 2022, the Consolidated Appropriations Act of 2023 was signed into law.

SECURE 2.0 Act Makes Retirement Saving EasierLearn More

all in for your charity

All In Charity Poker 2022

The spirit of giving shone brightly at the B&E All-In Charity poker event on the evening of November 11, 2022. The friendly competition raised more than $8,000. Every year, B&E matches dollar for dollar all donations…

All In Charity Poker 2022Learn More

all in for your charity

All In Charity Poker 2024

The spirit of giving was alive and well at the B&E All-In Charity Poker event on November 8, 2024. This year’s gathering brought together a full house of friends and clients for an evening of friendly…

All In Charity Poker 2024Learn More

skip-a-day 40th anniversary

Skip-A-Day 2024

The rain didn’t stop us from having a wonderful Skip-a-Day 40th Anniversary event! We held a fish fry lunch and got in 9 holes.

Skip-A-Day 2024Learn More

all in for your charity

All In Charity Poker 2023

The spirit of giving shone brightly at the B&E All-In Charity poker event on the evening of November 10, 2023. The friendly competition raised more than $10,000. Every year, B&E matches dollar for dollar all donations…

All In Charity Poker 2023Learn More

Skip-A-Day 2023

Thank you to all who attended B&E’s 39th Annual Skip-a-Day of Work Event! The weather was fantastic, but the great times and laughs were what made the day truly exceptional.

Skip-A-Day 2023Learn More

News - SECURE 2.0 act makes retirement saving easier

SECURE 2.0 Act Makes Retirement Saving Easier

SECURE 2.0 is designed to make retirement savings easier and the process less cumbersome. On December 29, 2022, the Consolidated Appropriations Act of 2023 was signed into law.

SECURE 2.0 Act Makes Retirement Saving EasierLearn More

all in for your charity

All In Charity Poker 2022

The spirit of giving shone brightly at the B&E All-In Charity poker event on the evening of November 11, 2022. The friendly competition raised more than $8,000. Every year, B&E matches dollar for dollar all donations…

All In Charity Poker 2022Learn More

all in for your charity

All In Charity Poker 2024

The spirit of giving was alive and well at the B&E All-In Charity Poker event on November 8, 2024. This year’s gathering brought together a full house of friends and clients for an evening of friendly…

All In Charity Poker 2024Learn More

skip-a-day 40th anniversary

Skip-A-Day 2024

The rain didn’t stop us from having a wonderful Skip-a-Day 40th Anniversary event! We held a fish fry lunch and got in 9 holes.

Skip-A-Day 2024Learn More

all in for your charity

All In Charity Poker 2023

The spirit of giving shone brightly at the B&E All-In Charity poker event on the evening of November 10, 2023. The friendly competition raised more than $10,000. Every year, B&E matches dollar for dollar all donations…

All In Charity Poker 2023Learn More

Skip-A-Day 2023

Thank you to all who attended B&E’s 39th Annual Skip-a-Day of Work Event! The weather was fantastic, but the great times and laughs were what made the day truly exceptional.

Skip-A-Day 2023Learn More

News - SECURE 2.0 act makes retirement saving easier

SECURE 2.0 Act Makes Retirement Saving Easier

SECURE 2.0 is designed to make retirement savings easier and the process less cumbersome. On December 29, 2022, the Consolidated Appropriations Act of 2023 was signed into law.

SECURE 2.0 Act Makes Retirement Saving EasierLearn More

all in for your charity

All In Charity Poker 2022

The spirit of giving shone brightly at the B&E All-In Charity poker event on the evening of November 11, 2022. The friendly competition raised more than $8,000. Every year, B&E matches dollar for dollar all donations…

All In Charity Poker 2022Learn More

View All

Let’s Get Started

We believe we are leaders in our field and take pride in helping individuals and businesses realize their goals.

Let us help you plan, relax and retire!

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Phone: (952) 475-0440
Fax:(952) 475-0816

282 East Wayzata Boulevard
P.O. Box 679
Wayzata, MN 55391

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Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. Financial Planning and Investment Advisory Services offered through B&E Investment Advisers, Inc., a State Registered Investment Adviser. Business & Estate Advisers, Inc. and B&E Investment Advisers, Inc. are separate entities from Valmark Securities, Inc.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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