Meet Our Firm

Steve has built a multi-generational practice over his 50 year career with Northwestern Mutual, impacting more than 7,000 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 Generational Wealth Advisors will continue to make. As Steve and his team work with the second and third generation 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 over.

Steve and Lisa live in Minnetonka, MN. He is a proud father of three successful daughters and six grandchildren. He enjoys traveling, tennis, gardening, cooking, bicycling, and 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 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 focuses on solutions to help make those financial goals and retirement planning a reality. Working with multi-generation 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 Minneapolis, MN, with her husband, Josh, and two children, Adeline and Hadley. Outside of work, she enjoys spending time with friends and family, golfing, and baking.

For over a decade, Josh has had the privilege of advising family owned banks throughout the upper Midwest. Leveraging his experience and expertise, Josh’s specialties in financial planning include Bank Owned Life Insurance, business succession planning, estate planning, life insurance planning, and investment management. His impact spans the state of Minnesota and upper Midwest, bringing security to many generations of businesses and families.

Josh is married to Elizabeth Rose Miskovich, his partner at KRM Generational Wealth Advisors and they have two children, Hadley and Adeline. Together, they reside in Minneapolis, MN. When he isn't with his family, he occasionally finds time to get back into his skates (as he is a proud UMD Bulldog hockey alum), golf, fishing, or planning family trips to Alaska.

Sean works alongside Steve, Elizabeth and Josh in constructing the planning analysis and projections we share with clients. He is responsible for investment operations and communications including account transfers, contributions, distributions, and performance information. Having been with Northwestern Mutual since 2014, we are grateful for the wealth of knowledge Sean brings to our firm.

Originally from Duluth, MN, Sean now lives in Minneapolis and spends his time enjoying all things he learned in the “north”: fishing, camping and hockey.

Max works with Steve, Elizabeth and Josh to provide excellent service to our clients ensuring they have a seamless experience. As a member of the team since 2019, Max continues to build relationships with our clients and is responsible for overseeing the “fine print”, including premium payments or policy owner changes. Max lives in Minneapolis and outside of work he enjoys spending time with family, friends, his dog Hari, listening to podcasts, and walking/ running around the city lakes.

Billy joined Northwestern Mutual in 2014 and has been with KRM Generational Wealth Advisors since 2017. Billy lives in Duluth, MN working out of our Duluth office, and handles employer retirement plans and group benefits for the KRM team. Billy also is a client relationship manager who facilitates client review meetings. Billy spends his free time steelhead fishing on the Brule River in Wisconsin and also golfing at Ridgeview Country Club in Duluth.