Broker Check

WE’RE HERE TO HELP YOU MANEUVER THROUGH A COMPLEX WORLD

Our team approach can be an effective method to help you with a wide variety of financial services.

We’re dedicated to providing thorough and thoughtful financial plans that are tailored to the unique needs of each of our clients.

No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy that addresses your financial goals and objectives. Recognizing that everyone encounters challenges along the way, we strive to anticipate and plan for those situations as they occur, helping you stay on the right track.

Our reasons for becoming financial professionals are deeply personal because we feel a strong commitment to our community. We are confident that with our knowledge of personal finance, coupled with our in depth training and experience as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can understand the basics of personal finance and use those concepts to pursue their financial goals.

Jim Johnson, VP, Senior Partner

Financial Advisor

651-439-3131

651-439-8282

jmj@efsadvisors.com

With over 30 years of experience in the investment and retirement planning industry, Jim brings a wealth of knowledge to both his team and clients. His background in the financial services industry, combined with 24 years as an...

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Jay Higgins, CFP®, CRES

Financial Advisor

651-439-3131

651-439-8282

jmth@efsadvisors.com

A native of Stillwater, Jay graduated with a degree in Economics from St Olaf College in Northfield, MN. In addition to his college degree, he also completed his Certified Financial Planner (CFP®) Certification in 2015. Prior to...

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Charlie Mylrea, CRES

Financial Advisor

651-439-3131

651-439-8282

charliem@efsadvisors.com

Charlie began his career in the financial services industry in 2010. He recently joined EFS Advisors, where he provides comprehensive financial advice to individuals and families, with an emphasis in retirement planning for educators....

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Terri Chartrand

Office Manager

651-439-3131

651-439-8282

terric@efsadvisors.com

The glue that holds our team together, Terri joined our office as the Office Manager in early 2015. Terri is originally from the Chisago Lakes area and comes to us with many years of administrative and operations experience. Her...

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Tracy Kempenich

Office Assistant

651-439-3131

651-439-8282

tracyk@efsadvisors.com

Tracy joined The Stillwater Group as an Office Assistant in January of 2022. She spent twenty-five years in the Stillwater school system as an educator and retired from the district in 2021. Her background as an educator gives her... 

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