Loyola University – Bachelors of Business Administration
The American College of Finance - Ongoing education for strategic financial planning credential(s)
The American College of Finance - Chartered Financial Consultant designation
FINRA Series 07 General Securities Representative
FINRA Series 66 Uniform Combined State Law
Life & Health Insurance Licenses

I am a Ramsey SmartVestor Pro and am honored to be part of their network of financial professionals in my local area. The SmartVestor program connects consumers with financial professionals in their area. To join the SmartVestor program, financial professionals must meet the SmartVestor program requirements, and pay an enrollment fee that depends on the area served, plus a fixed monthly fee.

SmartVestor™ is an advertising and referral service for investment professionals (“Pros”) operated by The Lampo Group, LLC d/b/a Ramsey Solutions® ("RS"). Thrivent financial advisor, Nick Christoff (“Advisor”) has entered into an agreement with RS under which Advisor pays RS a one-time training fee of $0, a flat monthly membership fee of $400, and a flat monthly territory fee of $900 to advertise Advisor’s services through SmartVestor and to receive client referrals from interested consumers who are located in Advisor’s geographic region.

Because of the arrangement described above, RS has an incentive to recommend Pros that are a part of the SmartVestor program. This incentive creates a material conflict of interest for RS, which you should be aware of and carefully consider in connection with your discussions with RS and Advisor.

The fees paid by Advisor to RS are paid irrespective of whether you become a client of Advisor and are not passed along to you. However, you should understand that all Pros that are available through SmartVestor pay RS fees to participate in the program. Further, the amount of compensation each Pro pays to RS will vary based on certain factors, including whether the Pros choose to advertise in local or national markets. RS has a financial incentive to present certain Pros that offer their services on a national basis ("National Pros") more often than other National Pros that pay lower fees.

It is up to you to interview Advisor and decide whether you want to hire them. RS introduces you to Pros that cover your geographic area based on your zip code. Neither RS nor its affiliates provide investment advice or recommendations as to the selection or retention of any Pro, nor does RS evaluate whether any particular Pro is appropriate for you based on your investment objectives, financial situation, investment needs, or other individual circumstances. RS does not warrant any services of Advisor or any SmartVestor Pro and makes no claim or promise of any result or success by retaining Advisor. Your use of SmartVestor, including the decision to retain the services of Advisor, is at your sole discretion and risk. Advisor has completed Ramsey Pro Training and signed an RS Code of Conduct under which they have agreed to certain general investment principles, such as eliminating debt and investing for the longer-term, but RS does not monitor or control the investment advisory services provided.

Neither Ramsey Solutions nor the SmartVestor program are affiliated with or endorsed by Thrivent. Views are theirs and not necessarily those of Thrivent or its affiliates.