James Schmitz
Advisor at Lfa
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
About
James Schmitz is a financial advisor with Lfa in St. Cloud, MN, holding a Series 63 designation and 17 years of industry experience. He has been with Laraway Financial Advisors since 2012 and serves as vice president and COO. Outside of his advisory role, Schmitz is an independent insurance agent and a member of a real estate holding company. Laraway Financial Advisors is an SEC-registered firm managing approximately $309 million for around 473 clients through a seven-advisor team. The firm serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses, using a model-driven investment approach with diversified portfolios and third-party managers.
Expertise
Based on Lfa
Wealth management
Retirement plans for business owners (SEP, solo 401k)
General retirement planning
Fee options
Fixed fees for financial planning: $1,500 for comprehensive plan, $750 for partial plan
$0 - $1,000,000: 1.50% annually $1,000,001 - $5,000,000: 0.50% annually $5,000,001+: 0.25% annually
Separate commission-based compensation for securities and insurance products through affiliated registered representatives and insurance agents
Hourly fees for financial planning starting at $150 per hour
Account minimum: $25,000 Fee-only: Financial planning fixed fees: $1,500 comprehensive, $750 partial; hourly fees starting at $150/hour
Location
1219 33 Rd Street South
St. Cloud, MN 56301
Most active in
James S has reported serving >5 clients in these states in the last 12 months.
Minnesota
Work history
Laraway Financial Advisors, Inc.
2020 - Present (6 years)
Laraway Financial Advisors, Inc.
2012 - Present (14 years)
Cambridge Investment Research Inc.
2012 - Present (14 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Erik D
Series 63, Series 65
Clear Lake, MN
CRG Wealth, LLC
Jason K
Series 63, Series 65
Clear Lake, MN
CRG Wealth, LLC
Thomas M
ChFC®, Series 63
St. Cloud, MN
Lone Peak Advisers
Steven L
Series 66
St. Cloud, MN
Lfa
Jason H
CFP®, Series 63, Series 65
St. Cloud, MN
AIS Planning
Jessica G
Series 66
St. Cloud, MN
Midwest Financial Partners
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")