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Pitzl Financial
Joe Pitzl founded the independent firm in 2014 in Arden Hills, Minnesota, anchoring it on a fiduciary standard and a flat prohibition on third-party...
Pitzl Financial
Joe Pitzl founded the independent firm in 2014 in Arden Hills, Minnesota, anchoring it on a fiduciary standard and a flat prohibition on third-party compensation. The firm operates as a multi-family office for individuals, trusts, charitable organizations, businesses, and qualified retirement plans across Minnesota and surrounding states. Its team combines five CFP® professionals with two CPAs, reflecting a deliberate build-out of in-house technical capacity. The firm deploys client capital through an evidence-based investment discipline that spans equities, fixed income, and alternatives, avoiding proprietary products entirely. Its financial-planning work covers investment management, pension consulting, business-succession planning, and tax-aware structuring. Geographic reach is concentrated in the Twin Cities metro and the upper Midwest, with clients served from a single office in Arden Hills. Service delivery runs through what the firm trademarks as Your Personal Boardroom™ — an ad-hoc advisory pod that integrates a client’s existing insurance agents, attorneys, accountants, and mortgage brokers under one plan. The firm added JJ Hemmer and Ashton Condrey to the team, signaling a build-out of next-generation advisory bench. Its fee-only posture means revenue derives solely from client-paid planning and asset-management fees. Structurally, Pitzl Financial’s distinction is the deliberate bundling of financial planning with tax-preparation capability under one roof, via John and Dan Pitzl’s CPA licenses — a configuration that moves tax from an outsourced afterthought to a real-time planning input.
General information
Firm type
Multi Family Office
Year founded
2014
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Arden Hills
Corporate office
8 Pine Tree Drive Suite 125, Arden Hills, MN 55112
Principals
Joe Pitzl
CFP®
Justin Gabriel
CFP®
Richard Hall
CFP®
Matthew Kalkman
CFP®
Andi Long
CFP®
John Pitzl
CPA
Dan Pitzl
CPA
Sector focus
Frequently asked questions
How does Pitzl Financial structure its compensation?
Pitzl Financial is a fee-only firm. It does not sell products or accept any third-party compensation. Client revenue comes entirely from financial-planning and asset-management fees, which the firm says aligns its advice with a fiduciary standard.
What is the Your Personal Boardroom™ model?
It is a collaborative governance framework in which Pitzl’s team works alongside a client’s other professional advisors — insurance agents, attorneys, accountants, mortgage brokers — to produce one integrated plan. The firm constructs and coordinates the boardroom; the client owns it.
Does Pitzl Financial manage assets beyond Minnesota?
The firm is based in Arden Hills, Minnesota, but states it serves clients in surrounding states. Its regulated footprint and solicitation disclosures frame the primary market as the upper Midwest.
Why does the firm employ both CFP® professionals and CPAs?
The dual-credentialed bench allows Pitzl Financial to deliver tax planning and preparation in tandem with investment management and financial planning. John Pitzl and Dan Pitzl hold CPA licenses, making tax a concurrent, internal function rather than a referred one.
What is the firm’s investment philosophy?
Pitzl Financial applies an evidence-based, academic approach to portfolio construction. It avoids speculative strategies and proprietary products, focusing instead on disciplined asset allocation designed to weather life transitions and market cycles.
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