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Kaylee J St Germain

Advisor Image
Kaylee J St Germain
Financial Advisor
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FIC, RICP®, BFA™
About Kaylee St Germain
About Kaylee St Germain

My financial services industry experience started with the banking industry. After over a decade in the banking world, I realized I wanted to do more for people than just handle their transactions. I knew I wanted to build relationships with clients and families to educate them so they could truly meet their goals and live their ideal retirement life. That passion continued to develop even further. I became obsessed with simplifying all the different moving parts of a financial plan for people. Now, I've honed that obsession into a practice built around serving those near retirement or who are already retired. My focus is on helping those preparing for retirement feel confident about not running out of money and retiring once.


Ryan, my husband, and I started working in the Thief River Falls Community December 2009. During our time here, we have been blessed with three children, we both became business owners, and have enjoyed watching our roots grow deeper into this community. We stay active with our kids activities in addition to our own community involvements. As a family, we enjoy sports, being outdoors, lake time and of course, time with our faith, family and friends.


Thrivent’s purpose of connecting faith & finances really spoke to me and how Thrivent provides each member the opportunity to give back to their church, community, or other organizations they are passionate about.

Living generously...
  • Falls Under 40 Board Member
  • Red River Valley Emerging Leaders Alumni
  • Chamber of Commerce member
  • Action Team volunteer
Education & Accomplishments
Education & Accomplishments
  • Bachelor of Science in Finance, Minnesota State University Moorhead, Cum Laude
  • FINRA Series 66 Uniform Combined State Law
  • FINRA Series 7 General Securities Representative
  • Life & Health Insurance Licenses
  • FIC (Fraternal Insurance Counselor) designation
  • RICP (Retirement Income Certified Professional) designation
  • BFA (Behavioral Financial Advisor) designation
My qualifications
  • Fraternal Insurance Counselor
  • Retirement Income Certified Professional®
  • Behavioral Financial Advisor™
  • Series 7 - General Securities Representative
My state licenses
  • Arizona
  • Florida
  • Georgia
  • Minnesota
  • North Dakota
  • South Dakota
  • Wisconsin

Insights

Multi-year guaranteed annuity (MYGA) vs. certificate of deposit (CD)
Multi-year guaranteed annuity (MYGA) vs. certificate of deposit (CD)Certificates of deposit and multi-year guarantee annuities can both help offer predictability to your portfolio, particularly in an uncertain market. Here’s how to know which might make sense for you. 36386k-2
March 2026 Market Update: Wobbling stocks, stronger bonds
March 2026 Market Update: Wobbling stocks, stronger bondsMarkets shifted in February, and that matters for how portfolios are positioned today. Thrivent's March Market Update explains what drove stock volatility, why bonds strengthened, and how we’re thinking about risk and diversification moving forward.
Insight image
Interest rates are shifting. Understanding the purpose and timeline of your cash can help you decide whether and how to invest it for optimal returns. Ask yourself two questions. ⬇️ See thrivent.com/social for important disclosures.
Office location
Thief River Falls Location
319 N Labree Ave
Thief River Falls, MN 56701
Phone218-683-5113Hours
M – F: 8:30 a.m. – 4:30 p.m.
Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

Designations
For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations