Excelsior Financial Group LLC

Excelsior Financial Group LLC Formerly Kay Stienessen CPA, Financial Advisor LLC We are independent brokers, licensed through Motiv8 Investments LLC.

We also offer tax planning and tax return preparation services. We offer a free one hour consult in office to better get to know you and what your looking for!

Life insurance isn’t one-size-fits-all. The two main types are Term and Whole Life, and the biggest difference comes dow...
06/02/2026

Life insurance isn’t one-size-fits-all. The two main types are Term and Whole Life, and the biggest difference comes down to a simple question: Do you need coverage for a specific period, or for your entire life?

Term Life: Covers you for a set number of years (like 10, 20, or 30). Simple and straightforward.

Whole Life: Covers you for your entire lifetime and includes a savings component (cash value).

The Myth: You need to leave a little balance every month to show you use the card.The Truth: Paying your bill in full ev...
05/28/2026

The Myth: You need to leave a little balance every month to show you use the card.
The Truth: Paying your bill in full every month is best. You build credit by using the card and paying it off, not by paying unnecessary interest!

"I'm too young/too broke to start saving."Myth: You need a huge lump sum to start investing.The Truth: Starting with jus...
05/26/2026

"I'm too young/too broke to start saving."
Myth: You need a huge lump sum to start investing.
The Truth: Starting with just $50 a month in your 20s can often result in a larger nest egg than starting with $500 a month in your 40s. Time is your greatest asset.

If you doubled a penny every day for 30 days, would you rather have that or $1 million? The Fact: You’d end up with over...
05/21/2026

If you doubled a penny every day for 30 days, would you rather have that or $1 million? The Fact: You’d end up with over $5 million. This is the math behind compound interest—it’s not about how much you start with, but how long you let it grow.

Your HSA is like a backpack—it goes wherever you go. 🎒 If you leave your job, the account stays with you. You own it, no...
05/19/2026

Your HSA is like a backpack—it goes wherever you go. 🎒 If you leave your job, the account stays with you. You own it, not your employer.

What Counts as a "Qualified Expense"?Caption: It’s not just hospital stays! You can use HSA funds for:Vision (contacts, ...
05/14/2026

What Counts as a "Qualified Expense"?

Caption: It’s not just hospital stays! You can use HSA funds for:

Vision (contacts, glasses, LASIK) 👓

Dental (cleanings, braces) 🦷

Over-the-counter meds & Sunscreen ☀️

Acupuncture & Chiropractic care 🧘

Did you know your HSA isn't just a savings account? Once you hit a certain balance, you can invest that money in stocks ...
05/12/2026

Did you know your HSA isn't just a savings account? Once you hit a certain balance, you can invest that money in stocks or mutual funds. 📈 This turns your "health" account into a "wealth" account.

Every dollar you put into your HSA reduces your taxable income. It’s one of the most efficient ways to save for your hea...
05/07/2026

Every dollar you put into your HSA reduces your taxable income. It’s one of the most efficient ways to save for your health while keeping more of your paycheck.

The HSA is the ONLY account with a triple tax advantage. 🏆Tax-free contributions (lowers your taxable income now).Tax-fr...
05/05/2026

The HSA is the ONLY account with a triple tax advantage. 🏆

Tax-free contributions (lowers your taxable income now).

Tax-free growth (interest and investments grow without Uncle Sam taking a cut).

Tax-free withdrawals (for qualified medical expenses).

What if you could pay for your doctor visits, prescriptions, and even sunscreen with tax-free dollars? 💸 Enter the HSA (...
04/30/2026

What if you could pay for your doctor visits, prescriptions, and even sunscreen with tax-free dollars? 💸 Enter the HSA (Health Savings Account). Think of it as a personal savings account specifically for medical expenses.

Address

4021 Vernon Avenue South, Suite 208
Saint Louis Park, MN
55416

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19528434941

Website

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