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B&E Investment Advisers, Inc.

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Client assets under management

$0

Clients

462

0% high-net worth

Advisors

3

of 7 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

154

Very High

Average account size

$0

About

B&E Investment Advisers provides asset management, financial planning, and pension consulting to retirement plans, small businesses, charitable organizations, foundations, corporations, municipalities, and other institutional clients. The firm reports managing substantial third‑party managed assets and servicing 39 retirement plans (approximately $100,387,600 in plan assets as of 12/31/2025) as well as client accounts on third‑party platforms (approximately $325,384,200 on TPMM platforms as of 12/31/2025).

The firm’s advisory work is delivered primarily on a non‑discretionary basis and often through third‑party money managers, with Valmark Advisers’ TOPS and ACCESS programs named as primary platforms. B&E combines targeted asset‑allocation models, fundamental analysis and Modern Portfolio Theory inputs, periodic rebalancing per Investment Policy Statements, and coordinated financial planning support with clients’ tax and estate advisors.

What distinguishes B&E from many peers is the depth of its industry affiliations and institutional emphasis: the firm has a material relationship with Valmark (Valmark Advisers and Valmark Securities) and discloses associated registered‑representative activity and program marketing allowances, and it operates affiliated entities that provide pension consulting and insurance distribution. The firm’s disclosure of sizable TPMM assets, a dedicated pension consulting practice, and affiliated insurance agency activity — together with the reported composition of plan and institutional business — indicates a practice more concentrated in sponsored platforms and plan consulting than in retail individual or high‑net‑worth advisory business.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Business exit / sale strategy

Occupation focus

Founder/Business Owner Executive

Fee options

Fixed

Financial planning fees based on flat project fees ranging from deposits of $2,000 plus additional planning fees between $3,000 and $18,000

Percentage

$0 - $1,000,000: 1.25% total (0.25% VAI program fee + 1.0% B&E advisory fee) for TPMM TOPS® and ACCESS® Plus programs $1,000,001+: 1.20% total (0.20% VAI program fee + 1.0% B&E advisory fee) for TPMM TOPS® and ACCESS® Plus programs

Commissions

Commissions earned from sale of securities and insurance products by related persons (not by B&E directly)

Project-based

Financial planning hourly rates range from $100 to $500 per hour; pension consulting project-based hourly fee of $250 per hour

Other

Minimum fee: Pension consulting minimum annual fee of $1,000 Fee-only: Financial planning fees on a flat project basis or hourly basis ($100 - $500 per hour), plus ongoing annual review fees ($500 - $2,000 annually)

Main office location

B&E Investment Advisers, Inc.

282 E. Wayzata Blvd.,

Wayzata MN 55391-1621, United States

Number of offices

1

Most active in

More info

Florida · Minnesota · Wisconsin

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 952-475-0440

Advisors at this firm

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user avatar

Laura M

ChFC®, Series 63

Wayzata, MN

B&E Investment Advisers, Inc.

Laura Maksymkow is a financial advisor at B&E Investment Advisers, Inc. with 28 years of industry experience. She holds the ChFC® and Series 63 credentials and has worked at B&E Investment Advisers since 2019 as well as Valmark Securities since 2008. Outside of her advisory career, she is a general member and part-owner of South-Pit LLC, a gravel pit operation in Grand Rapids, MN. B&E Investment Advisers provides financial planning, non-discretionary asset management, third-party money-manager programs, and pension consulting to individuals, trusts, estates, and institutional clients. The firm employs targeted asset-allocation models and third-party platforms for portfolio construction and management, serving approximately 359 client relationships through three advisors.

Business exit / sale strategy Founder/Business Owner Executive
user avatar

Sarah K

CFP®, ChFC®, Series 63

Wayzata, MN

B&E Investment Advisers, Inc.

Sarah Kaelberer is a CFP® and ChFC® with 28 years of industry experience. She has been with B&E Investment Advisers, Inc. since 1996 and also holds roles at affiliated firms including B&E Pension Advisers and Valmark Securities. Kaelberer serves as a board member of the Greater Wayzata Area Chamber of Commerce. B&E Investment Advisers provides financial planning, non-discretionary asset management, third-party money-manager programs, and pension consulting to individuals, trusts, estates, and institutional clients. The firm employs targeted asset-allocation models and third-party platforms for portfolio construction and management, serving approximately 359 client relationships through three advisors.

Business exit / sale strategy Founder/Business Owner Executive
user avatar

Ryan M

CFP®, ChFC®, Series 63, Series 66

Wayzata, MN

B&E Investment Advisers, Inc.

Ryan Michaelis is a CFP® and ChFC® with 15 years of industry experience. He is a vice president and 5% owner of B&E Investment Advisers, Inc., where he has worked since 2017. Prior to that, he held positions at Berthel Fisher & Company Planning, Inc. and Berthel Fisher & Company Financial Services, Inc. He is also vice president and 5% owner of B&E Pension Advisers, Inc., focusing on 401(k) plans. B&E Investment Advisers provides financial planning, non-discretionary asset management, third-party money-manager programs, and pension consulting to individuals, trusts, estates, and institutional clients. The firm manages portfolios using targeted asset-allocation models informed by fundamental and Modern Portfolio Theory analyses and primarily delegates trading authority to designated third-party managers.

Business exit / sale strategy Founder/Business Owner Executive
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