St. Croix Advisors, LLC

St. Croix Advisors, LLC No matter your goals, St. Croix Advisors is your one stop solution to managing your financial life. At St. Visit our website at www.stcroixadvisors.com.

Croix Advisors we have three beliefs about Financial Simplicity. It is when you reach the point in your life......
• That living life becomes more important than having stuff.
• That you truly follow the priorities you have set out for yourself.
• That you would like to rely on someone else to manage your financial life so you can focus on living your life. It’s enlightening, fre

eing and powerful when you break each one of those principles down and start to apply them to your daily lives. Knowing where you are, where you’re going, and the impacts you want to make along the way in this journey called life is something we all seek, but few have truly successfully accomplished. To bring it all together and create financial simplicity in the pursuit of your priorities with clarity is one step in getting there. We have clients primarily in three areas: Minnesota, Wisconsin & Florida. We work with client's in person or online/over the phone. Technology today makes it so convenient to stay in contact and updated on where you stand financially.

Preparing the next generation to inherit wealth requires more than sharing financial information.It requires building tr...
06/09/2026

Preparing the next generation to inherit wealth requires more than sharing financial information.

It requires building true understanding.

Many families communicate often, discussing schedules, investments, estate plans, or business decisions, yet still feel disconnected beneath the surface.

Why?

Because information alone does not create unity.

Learn more in our article:

Communication isn’t the same as understanding. Learn how families can move beyond assumptions and good intentions to build trust.

06/08/2026

I’ve noticed something about business owners who have started thinking seriously about generosity. They don’t usually walk in and say, “I want to give my business away.” They come in with a technical question. Estate planning. The kids. A foundation idea they read about somewhere.

The question on the surface almost never captures what’s really going on underneath.

Alan Barnhart built Barnhart Crane and Rigging into a company worth hundreds of millions of dollars. From early on, he believed the business belonged to God. When the estate planning pressure became too great, he and his wife did something most people would call radical: they gave away 99% of the non-voting stock to a charitable trust. “We weren’t giving away the company,” he said. “We were just changing the holder of the stock.”

Jeff Rutt, founder of Keystone Custom Homes, heard that story and followed a similar path. He gave 89% of his non-voting stock to a national Christian trust. His motivation? He saw the global need. He had resources. He wanted to deploy them for something larger than himself.

Neither one of them arrived at those decisions through a spreadsheet. They arrived there through a shift in how they saw themselves. Not owners. Stewards. The business was never theirs to begin with; they were just making it legal.

One of the things that freed both of them was removing wealth from the center of the family conversation. When the business isn’t the inheritance, the family can focus on what actually matters: passing on values, faith, work ethic, and a sense of purpose. The question “how much is enough for the kids?” gets a lot easier to answer when the equity isn’t sitting there as the default answer.

Preparing heirs to inherit wealth and leadership requires more than passing down assets. It means helping them confident...
06/07/2026

Preparing heirs to inherit wealth and leadership requires more than passing down assets. It means helping them confidently navigate communication, responsibility, and shared stewardship together.

The best time to build clarity is before it’s urgently needed.

Read more in our article:

Family businesses can't rely solely on informal decision making. Clear structures guide transitions, reduce conflict, and protect unity across generations.

If you’re a business owner, or if you advise one, there are five questions that tend to open up the real conversation:Wh...
06/06/2026

If you’re a business owner, or if you advise one, there are five questions that tend to open up the real conversation:

Who do you consider the true owner of the business you steward? How much is enough for you? How much is enough for your heirs? Is the next generation prepared for what they might inherit? What would you like to do with the excess?

Those aren’t technical questions. They’re stewardship questions. And the advisors who are willing to sit in that conversation are the ones who end up helping their clients find real clarity.

Truett Cathy once said, “How do you know someone needs encouragement? They’re breathing.” The same might be said of business owners who are ready to think differently about what they’ve built. The conversation just has to start somewhere.

If you’re a business owner wondering what faithful stewardship of your company could look like, I’d welcome the conversation. stcroixadvisors.com · 651-337-1919

Financial Simplicity for Life's Possibilities

Wealth transferred without preparation can create uncertainty.But wisdom, values, and leadership intentionally passed do...
06/05/2026

Wealth transferred without preparation can create uncertainty.
But wisdom, values, and leadership intentionally passed down can strengthen families for generations.

If leadership shifted tomorrow, would your heirs feel prepared to step forward?

Read more in our article:

Preparing heirs takes more than documents. Families build lasting readiness by sharing plans, transferring understanding, & cultivating confidence.

06/04/2026

Ron Blue said it plainly: “We can’t take a client somewhere we’ve never been ourselves.” That’s stayed with me. The integrity of what we do depends on whether we’re actually living the principles we teach, not just quoting them.

I check myself on this regularly. Am I modeling generosity? Am I handling my own finances with the same intentionality I encourage in others? Am I spending real time in God’s Word, not just reading about it secondhand?

The goal of this work was never to build a bigger business. It was always to build people. To help them joyfully participate in the funding of what God is doing in the world.

That’s a calling worth getting up for.

Preparing your children to inherit wealth also means preparing them to inherit trust, responsibility, and shared purpose...
06/03/2026

Preparing your children to inherit wealth also means preparing them to inherit trust, responsibility, and shared purpose.

One thoughtful conversation today could strengthen your family for generations to come.

Read more in our article:

Avoiding difficult conversations can quietly erode family trust. Shared understanding is key to protecting your family’s long-term legacy.

Charles Spurgeon once wrote that the man who devotes himself fully to the accomplishment of one reasonable objective is ...
06/02/2026

Charles Spurgeon once wrote that the man who devotes himself fully to the accomplishment of one reasonable objective is generally successful. Most of us do the opposite. We spread our energy across too many commitments, and we wonder why we can’t make meaningful progress.

If you’ve never written out what a faithful finish looks like for you, in each area of life, I’d encourage you to carve out an hour and try it. Ask prayerfully: Am I currently on the path to hearing “Well done” in these areas?

It’s one of the most honest questions a steward can ask. And clarity, even when it’s uncomfortable, is a gift.

If you’d like to work through this exercise together, I’m happy to make it part of our next conversation. Reach out at stcroixadvisors.com or call 651-337-1919.

Financial Simplicity for Life's Possibilities

If you’re in a position to help your children or grandchildren today, financially, emotionally, or through mentorship, w...
06/01/2026

If you’re in a position to help your children or grandchildren today, financially, emotionally, or through mentorship, what impact could that make on their lives right now?

Could it relieve financial pressure?
Create more family margin?
Open doors for your grandchildren?
Teach generosity and responsibility in real time?

Sometimes the greatest legacy isn’t what’s left behind after we’re gone. It’s what we intentionally build together while we’re here.

Read more in our article:

Many clients assume the right time to pass on wealth is after death. But in reality, your support might have the greatest impact now.

05/31/2026

To be really rich is to be rich in achievement, rich in experience, and rich in friendship.

Address

724 Bielenberg Drive, #4
Woodbury, MN
55125

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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