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Who We Are


One of the greatest things to achieve in one's life is purpose. So when it comes to investing and growing your money, being purposeful with your choices is important. We're driven by our goal of embarking on your future with your needs and wants at the helm. With decades of experience under our belts, allow us to guide you on your ultimate journey. 

Our hope for every one of our clients is that after each meeting, you’ll feel more confident and rest assured that your money is here to be an engine of opportunity.

Branch Manager, Financial Advisor

John Anderson


As branch manager, John has been advising and building trustworthy relationships with his clients for over 39 years. A consummate professional in his craft, he is dedicated to enhancing his client's wealth through assessing their needs, risk tolerance, and current cash flow. He offers a full range of financial services, from retirement to education, with a developed focus on high net worth, fixed income, estate planning, and asset diversification. With a business/economics degree from the University of Minnesota-Morris, and a graduate of St. Olaf's Minnesota School of Banking, his in-depth knowledge knows no bounds. Before joining Raymond James in 1998, he was the Vice President for Norwest Bank, prospecting and managing their commercial loan portfolio. 

John grew up in Olivia, Minnesota and currently resides in Andover with his wife, Mary Sue. Through high school and college, he participated in baseball, football, tennis, and basketball. He has been involved in the Fellowship of Christian Athletes in high school, sat on the board of the Anoka County Humane Society, contributed as a member of the Spring Lake Park Lions and Anoka County Chamber of Commerce, was a former board member and past president of the Bunker Hills Men's Golf Club, as well as being the founder and current President of the Olivia Class of 1977 Memorial Scholarship Fund. Golf has played an integral role in John's life, and he currently holds the title of eight-time Bunker Hills Men's Club Champion, seven-time Bunker Hills Men's Club Senior Club Champion, 2009 Minnesota State Senior Open Champion, 2009 Minnesota Public Golf Senior Amateur Champion, 2014 & 2018 U.S.G.A. Senior Amateur Qualifier/Participant, and 2016 Minnesota Golf Association Senior Player of the Year.

"Positive attitudes help produce positive results."

Branch Manager, Financial Advisor

Mike Kaiser


A Raymond James advisor since 2002, Michael's areas of expertise include retirement and goal planning with budgeting strategies in mind. As a big believer in discipline, he works with his clients to create healthy long-term habits that will set the stage for future financial prosperity. He understands the importance of client education and strives to inform as well as advise. Throughout his many years in the business, and before coming to Raymond James, he held positions as a financial advisor at Twin Cities Securities, R.J. Steichen, Principal Financial, and Miller Johnson Steichen & Kinnard inc. A Winona State University business/economics graduate, Michael continued his education through taking and passing his Series 7, 65, 63, 9 & 10 tests, as well as obtaining his branch manager's license. He is also a Ramsey Solutions SmartVestor Pro. Michael is also a proud Klemmer & Associates graduate in leadership and development.  

Growing up in Mounds View, Michael went to Irondale before eventually graduating from Osseo high school. In his spare time, he is a football coach at Forest Lake High School, as well as a freelance running coach and pacer with the Lost Dog Pacers. Mike and his wife Sonja are also the founders of a non-profit group: The Forest Lake Area Good Samaritans. He has competed in 54 marathons as a runner, with six of those being the Boston Marathon. When not running, he spends his time on home improvement projects, traveling, classic cars, and spending time with his children, Samantha, Benjamin, Gabby, Antonio & Elena, and pet dog Bear and cat Macy. 

SmartVestor™ is an advertising service for investing professionals. Advertising fees are not connected to any commission, portfolio, service, product, or other service offered or rendered by any SmartVestor Pros. SmartVestor Pros are subject to initial vetting by Ramsey Solutions, and they affirm a Code of Conduct. SmartVestor Pros are not employees or agents of Ramsey Solutions. Neither Ramsey Solutions nor its affiliates are engaged in rendering investing or other professional advice. Ramsey Solutions does not receive, control, access, or monitor client funds, accounts, or portfolios. Ramsey Solutions does not warrant any services of SmartVestor Pros and makes no claim or promise of any result or success of retaining a SmartVestor Pro. Your use of SmartVestor, including the decision to retain the services of any SmartVestor Pro, is at your sole discretion and risk. Any services rendered by SmartVestor Pros you contact are solely that of the SmartVestor Pro. Raymond James Financial Services does not endorse and is not associated with Dave Ramsey or the SmartVestor program.

"Investing is similar to running a marathon, you make many small deposits in an effort to create a large achievement."


Nicholas Bednarczyk, CFP®


With over 19 years of experience, Nicholas strives to utilize his strength of relating to his clients personally to advise and educate them on their financial options. He prides himself on working with clients to establish long-lasting and mutually beneficial relationships, keeping the client's goals and objectives at the heart of his advice. His expertise lies in pre-retirement, retirement and education planning; setting realistic expectations with clients through open and honest lines of communication. Starting in 2000, Nicholas has worked for the likes of American Express, Taurus Financial, and Wealth Enhancement Group before coming to Raymond James in 2009. A marketing/business graduate of Totino Grace, the University of St. Thomas and Bemidji State University, he continued his education by completing the Series 7 & 66 tests as well as becoming licensed with Minnesota Life & Health. 

Born and raised in Andover, he and his wife Kari, an occupational therapist at Anoka Hennepin schools, and their two children, Bennett and Andrew, currently reside in Andover with their black lab Gilda. Nicholas is highly active in the community through his involvement in the Coon Rapids Rotary, serving as the President. He also holds a position on the Emma B. Howe YMCA Community Board, is active with Stepping Stone Emergency Housing and as well as the St. Stevens Catholic Church where he and now his two children attend school. His hobbies include supporting his children's baseball, soccer and golf ventures, snowmobiling, fishing, hunting, boating, bicycling, golf and planting/landscaping.

"Simply treat people with respect and good things will happen."

Client Services Manager, RJFS

Danielle Anderson


Passionate and motivated, Danielle provides exceptional assistance to our clients as well as our sales staff and financial advisors. She has consistently demonstrated her skill for helping others achieve their financial goals. Her strong background in customer service started in high school as a busser/host at the old The Seasons Restaurant at Bunker Hills Golf Course. She continued to dedicate herself to serving others through her career and personal endeavors while studying at the University of Wisconsin-Stout. After graduating in 2014 with a major in Human Development & Family Studies, Danielle worked as an assistant teacher at the Anoka-Washington County Head Start, a pre-school education program for low-income families before joining our team in 2016. 

She enjoys reading, dancing, sewing, and spending quality time with her rescue dogs Lightning and Stormie. A native of Andover, she currently resides with her younger sister Kirsten Anderson and her friend from college Caitlyn. 

"Motion equals emotion."

Branch Director of Client Experience

Kirsten Anderson


A committed self-starter with a creative and innovative way of crafting a unique client experience, Kirsten helps clients feel a part of the Raymond James Riverdale family. Preoccupied with dovetailing her skills with the company's mission to serve clients, she enjoys the challenges that her position poses every single day. Kirsten has held various positions before this at companies such as Events & Adventures and the Minnesota Racing Commission. She holds an Animal Science degree from the University of Minnesota, with an emphasis on equine business. 

Kirsten currently lives with her older sister Danielle, her cat Cai, and multiple crested geckos which she breeds in Andover. A well-rounded individual, she enjoys riding and competing in hunter/jumper competitions on her off the track Thoroughbred gelding Mako or her Dutch Warmblood filly Kali. She also competes in powerlifting, travels, and regularly dances bachata, Brazilian zouk, and salsa. She's also an avid horse racing fan and was the 2017 Minnesota Harness Racing Ambassador. 

"Impossible? Things are happening every day."

Client Services Assistant

Courtney Pepin


Courtney joined the Raymond James Riverdale team in November 2019 as a receptionist. She has a desire to help others achieve their financial goals and hopes to grow with the Riverdale team. A bright light, she brings her compassion, positive attitude, and cheerfulness to work daily. She is currently attending Anoka Ramsey Community College in pursuit of a bachelor’s degree in business.

Born and raised in the small town of Cambridge, Courtney has a passion for the outdoors. She enjoys exploring different state parks as well as traveling around the United States and abroad. Her favorite experiences so far have been in Canada and Australia. 

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