Steve has built a multi-generational practice over his 50-year carer with Northwestern Mutual, impacting more than 7000 lives. He is incredibly intentional with his clients, seeking to understand their “why,” and building a financial plan to suit their ultimate goals in life. As a perennial top advisor nationally, Steve has impacted multiple generations and looks forward to the impact KRM will continue to make. As Steve and his team work with the second and third generations of his original clients, he is finding complete joy in having a front row seat to witness the benefits of planning and tax-efficient strategies passed to his clients.

Steve and his partner, Lisa, live in Minnetonka, and he is a proud father of three successful daughters and a loving grandfather to six wonderful grandchildren. He enjoys traveling, playing tennis, gardening, cooking, bicycling, and sipping wine with friends and clients.

Elizabeth joined Northwestern Mutual in 2010 alongside her father, Larry Rose, who had been a financial advisor for three decades. As a second-generation family member to join Northwestern Mutual, and a successor to her father’s business, Elizabeth understands and appreciates the value of specializing in generational planning and wealth management. Elizabeth focuses on working with clients to identify their definitions of financial security and then hones in on solutions to help make those financial goals and retirement planning strategies a reality. Working with multi-generational families and businesses, she finds flexible solutions to allow for control of your assets while preparing for efficient transfer to your loved ones and business partners.

Elizabeth lives in Edina with her husband, Josh, and their three children – Hadley, Adeline, and Emerson. Outside of work, she enjoys spending time with friends and family, golfing, and baking.

For over a decade, Josh has been privileged to advise family-owned banks throughout the upper Midwest. Leveraging his experience and expertise, Josh’s specialties in financial planning include bank-owned life insurance (BOLI), business succession planning, estate planning, life insurance planning, and investment management. His impact spans the state of Minnesota, along with much of the upper Midwest, bringing security to many generations of businesses and families.

Josh is married to his business partner, Elizabeth, and they are raising their three girls together – Hadley, Adeline, and Emerson. When he isn’t spending time with the family, you can find him getting back into his skates (as the proud UMD Bulldog hockey alum that he is), golfing, fishing, hunting, or taking the occasional trip to Alaska or Montana to get back into nature.

Bill joined Northwestern Mutual in 2015 and, up until 2023, ran his own practice - Conrad Financial. In January of 2024, he became a partner with KRM Generational Wealth Advisors. Bill’s financial planning experience specializes in working with small business owners, pre-retirees, and young families. His ability to connect with clients and understand their goals and challenges to build a comprehensive plan has allowed him to quickly become a tremendous resource and advocate for his clients in all stages of planning.

Bill and his wife, Anne, live in Stillwater, MN. Outside of work, he enjoys his free time by travelling with Anne, golfing, hunting, and fishing at their family cabins.