Lance Huebner, CFP®

Whether it's building an emergency fund, buying a home, starting a family, or retiring when you want, we want to help you find the best way to save and invest as you strive to meet your financial goals.

We thoroughly review your mortgage, auto loans, credit cards, and any other debts that you may have in order to help determine where you may be able to save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.

We take an extensive look at your financial profile to determine what type(s) of insurance most suit your needs. We then analyze your current policies to determine if they are adequate or if they can be improved upon.

Leading up to and through retirement, we help you identify the most appropriate ways to obtain the income you need, and help ensure that you are on track for your desired lifestyle in both up and down markets.

Regardless of your current financial circumstances, it is crucial to have a backup plan for your money in case something happens to you. We regularly review this with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.

There is not secret formula or perfect way to invest. We take a simple, methodical, long term approach to help you meet your goals. Your investments at Morgan Stanley can be fully managed for you on a discretionary basis under Morgan Stanley's Portfolio Management program so you are never left wondering what to do. We don’t just use a vanilla basket of mutual funds either. We use mutual funds, ETFs (Exchange Traded Funds) and even individual stocks in seeking to improve performance and tax efficiency of your investments. We tailor your strategy to your unique situation, comfort with risk, needs, and goals.

Goal: Understand your priorities and schedule a Vision & Strategy Session.

We start with a short, informal call to understand what's prompting you to think more intentionally about your finances.
We'll clarify the problem you want to solve, review what you've done so far, and identify where you may still feel stuck.
Our goal is simply to listen and determine whether it makes sense to take the next step together — no pressure, no obligation.

By the end of this call, you'll feel excited about taking a positive first step toward greater financial clarity.

Goal: Define your goals, review your current situation, and deliver immediate value.
In this in-depth meeting, we'll talk about:

• Your most pressing financial concerns
• What success looks like over the next several years
• Your long-term vision for your life and finances

We'll also review the details of your current situation, including:

• Income, expenses, assets, and liabilities
• Current strategies around cash flow, executive compensation, debt, retirement, investments, taxes, risk management, charitable giving, and estate planning

Throughout our conversation, I'll offer thoughtful suggestions and strategies — whether or not you ultimately become a client.

By the end of this meeting, you'll feel comfortable, understood, and energized — with fresh insights and a clearer vision of what's possible.

Goal: Outline a clear action plan and start moving forward with confidence.

If we both agree there's a good fit, we'll present a personalized 90-Day Action Plan.
This will highlight your key priorities, the next steps to take, and exactly how we'll work together to make progress.

We'll set expectations around communication, meeting cadence, and how to get the most value from our partnership.

By the end of this meeting, you'll feel confident knowing exactly what to expect over the next 90 days — and beyond.

Mike is 63, Carol is 59. They are married with 3 grown children who are now starting their own families. Mike is a manager with a large corporation headquartered in the Twin Cities area and Carol is an elementary school teacher. They have been good savers, primarily through their employer retirement plans and Carol has a pension. They have paid off most of their mortgage and have no other debt. They also have some money from previous jobs that is managed by a financial advisor. However, on the rare occasion they do hear from him, he just gives them some charts and graphs that don't really answer what they really want to know; can they retire and how does it work?

As they begin thinking about the transition to retirement, possibly even a few years earlier than they initial planned, they want to make sure they can afford to do so. They aren't sure how that process looks and how to turn their retirement funds into income to live on. Medicare and Social Security are also a little overwhelming. Lastly, they've put some money in a Roth accounts and they've heard about Roth conversions, but they don't know much about it and are curious if there's something more they should be doing. Overall, they aren't real concerned with running out of money, but seek to make sure they do things right.

Dave is 45, Erin is 41. They are married with 2 school-aged kids. Dave is an engineer with a large corporation headquartered in the Twin Cities area and Erin's a nurse. They've mainly been focused on raising kids and haven't really thought much about their investments. They are realizing they have started to accumulate some real money, but they have no idea if they're doing all the things they should be doing. Where should they be putting their money? Which retirement investments should they choose?

They feel like they don't know what they don't know and if they are missing anything. They also have accounts sitting with previous employers that they aren't sure what to do with. They have never worked with an advisor and their hope is that an advisor can seek to take care of things for them and tell them what to do.

Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.

Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.

Easily and conveniently manage and share life's most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.

At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.

eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.

With eAuthorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.

Follow this procedure to deposit a check through the Morgan Stanley Mobile App on your mobile device.

Incoming Wire Transfer Instructions

For easy and secure online access to your tax forms, please follow these steps:

1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them

The 2025 Tax Rate Schedule provides standard deductions for different filing statuses, phaseout amounts, and tax deadlines.

Guidelines for moving money