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The future is bright.

Let's plan for it.

Thoughtful | Thorough | Informed


Our Approach to Wealth Management

We help our clients invest their money and make sense of their finances through a comprehensive financial planning process. Our simple, straight-forward approach was arrived at by navigating an environment that is anything but simple. Wall Street would have you believe that complexity is required in order to be a successful investor. The evidence suggests otherwise. We’ll help you navigate these waters and bring you the peace of mind that you have earned.

What is a modern approach? Cutting edge financial advisors have moved on from the sales-driven ways of the past. Unlike most of the industry, we operate on a fee-only basis and maintain a fiduciary obligation to our clients. We aren’t paid compensation by outside entities to sell you stuff. Our job is to help you plan your finances and invest accordingly.

Our Wealth Management Process



Gather data, identify inefficiencies, understand goals 



Form a plan and invest accordingly


Monitor & Review

Stay on track, maintain discipline and adapt to change

Investment Philosophy: 

Focusing on what can be controlled

It’s common for clients to overestimate the ability of their advisors to predict market movements and make timely transactions based on those predictions. This is not what we do. Instead, we place emphasis on things that can be controlled – risk, expenses, taxes, and investor behavior.  

A financial plan reliant upon outsmarting the market is not a plan – it’s a wish.

Wall Street has perpetuated the myth that to be a successful investor, you need to pick the right stock, invest in the best products, choose the best manager, get in and out of the market at the right time, etc. The reality is that markets are extremely efficiently priced, and these tactics cannot be consistently relied upon. We believe a humble understanding of what you don’t know can be as important as what you do know.

Investment decisions should not be based on news headlines, CNBC ‘expert’ opinions, investment newsletters, market anomalies or who won the super bowl. Your investment decisions should be informed by your financial plan and your own circumstances.  

We focus on efficiency and optimization. Nearly every financial decision you make has risk, suggesting that there is potential reward with each of those decisions. We’ll be there to help.

Justin Dering, CFP® Photo

Justin Dering, CFP®

Founder, North Country Wealth Management

I studied finance at Minnesota State University and graduated in 2004. During my time at MNSU, I served as vice president of the finance club and captain of the Maverick baseball team. From 2004 to 2018, I worked under the umbrella of North Star Resource Group, a leading independent wealth management firm. During my career, I’ve gained valuable experience by working with a wide variety of clients through challenging markets. I earned the highly-regarded CFP® designation in 2011 and remain committed to a broad understanding of finance.  

My wife and I live in Southwest Minneapolis and have two wonderful children, Kaitlyn & Ben. Outside the office, I’m a devoted squash player and urban outdoorsman. I take pride in my home state of Minnesota. “North Country” is a tribute to that. 

Why work with a

Certified Financial Planner?

Are All Financial Planners “Certified?” 

Just about anyone can use the title “financial planner.” Only those who have fulfilled the CFP Board's rigourous requirements can call themselves a CFP® professional.

CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can call themselves a CFP® professional.

Financial planning is a dynamic process. Your financial goals may evolve over the years due to shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you’re working with someone committed to providing the highest standard of financial planning.

Find Out Your Risk Tolerance

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