Our Team Gary W. Livingston, CLU®, ChFC® Investment Advisor Representative 651-287-0151 651-287-0155 Gary has over 40 years of experience in the financial services business. Gary helps his clients achieve success by helping to preserve income for retirement and growing assets. He graduated from St. Cloud State in 1973 with a Bachelor of Science in Speech Communication. He has professional designations as a Chartered Life Underwriter as well as a Chartered Financial Consultant. He is licensed as a general securities representative and is the principal at the firm with a Series 24 Registration. Gary and Ione live in Oakdale, Minnesota. They have 2 grown children with grandchildren. Mike Franta Registered Representative 651-287-0151 651-287-0155 Mike is an experienced financial advisor who has been in the financial service business since 1995. Mike’s clients are families and individuals who are retired or are close to retirement. He helps them with many financial planning issues faced by retirees. Two of the biggest challenges for a retiree today are: turning their retirement savings into a life long income and selecting the correct health insurance coverage.Mike has a Series 7, 63 and 65 registrations. He graduated from the University of Minnesota with a B.S. in Sociology.Mike lives in St. Paul, Minnesota with his wife and two sons. Ross Middleton Investment Advisor Representative 651-287-0151 651-287-0155 Ross started in the financial services industry in 1996. He graduated from St. Cloud State in Business and Marketing. He teaches his clients innovative ways to get the most out of their money. Ross is married with 2 sons and lives in Rosemount, Minnesota. Ann Mikiska Registered Representative 651-287-0151 651-287-0155 Ann has over 35 years of experience in the financial services industry. She helps clients achieve their retirement planning goals. Ann graduated from the University of Northern Iowa in 1982. She completed her CLU (Chartered Life Underwriter) designation in 1990 and her ChFC (Chartered Financial Consultant) designation in 1995. In 1996 she completed her QPA (Qualified Pension Administrator) designation. She completed her RICP (Retirement Income Certified Professional) designation in 2016. Ann lives in Farmington, Minnesota and has two sons. Joe Murphy Registered Representative 651-287-0151 651-287-0155 Joe has been in the Financial Services industry since graduating from Bethel College in 1993. He started his career with New York Life where he met Comprehensive Financial's founder Gary Livingston. When Gary decided to leave his previous employer he only asked one representative to come with him, Joe! Joe is proud of the fact that he is Comprehensive’s longest serving representative. Over the past 25 years he has focused on helping small business owners, independent contractors, families, protect and strengthen their businesses as well as their personal savings. Joe is licensed as both an insurance broker as well as a series 6 registered representative in CA, CO, FL, MN, ND, and WI. His hobbies include hunting, fishing, tennis, and taking hot yoga. You can email him at email@example.com his cell number is (651) 247-6442. Ronald Orf*, Representative 651-287-0151 651-287-0155 Ron Orf is a veteran with over 40 years in the financial services industry.Mr. Orf specializes in life insurance planning as well as investment and retirement strategies. *Ron is not affiliated with The O.N. Equity Sales Company or O.N. Investment Management Company. Krystal Soung* "I have always been passionate about helping people reach their goals. I obtained an HR Leadership degree with hopes of changing lives. In 2016, I discovered life insurance and realized how important it is, I took a detour and pursued a career in the financial field. My goal is to educate clients and to provide the best service I can, so my clients can make an informed decision when they are in the process of planning their financial health.*Not affiliated with The O.N. Equity Sales Company or O.N. Investment Management Company.