About

Tim Kaley, AIF®

Founder/President

In addition to being an Accredited Investment Fiduciary, Tim has dedicated a great deal of time over the past years studying a variety of important retirement topics. Tim has presented educational workshops and spoken at events throughout Minnesota and Western Wisconsin. In his spare time, Tim enjoys spending time with family and friends, hockey, skiing, hiking and being active in the community.

Tim Kaley is an investment advisor representative of Gradient Advisors, LLC, an SEC registered independent investment advisor. His mission is to provide families and businesses with innovative financial strategies and planning to help lead to financial clarity and security.

María Amundson

Administrative Assistant

As an Administrative Assistant, María plays a vital role in maintaining strong relationships with our clients. She is available to help answer inquiries and help ensure workflows are completed in a timely manner. María also assists our clients in understanding our company processes and systems, and proactively reaches out to ensure service levels are being met. With a 20 year background in the public sector as a Human Resource professional, María brings a wealth of knowledge and experience to her role. She has an enthusiasm for learning and personal development as well as a commitment to the highest levels of customer service in the financial industry.

Strategic Alliances

Gradient Investments

Michael Binger, CFA®

President of Gradient Investments, LLC

As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.

Keith Gangl, CFA®

Senior Portfolio Manager Gradient Investments, LLC

Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.

Kyle Bergacker, CFA®

Portfolio Manager Gradient Investments, LLC

Kyle joined Gradient Investments in 2025 and has more than 15 years of financial services experience. Prior roles include portfolio manager with a couple of large international institutional asset management firms, also was an advisor with a retail wealth advisory firm. Kyle has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charter holder and has appeared on the Schwab network.



*This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC

Jim Gaskins

Investment Advisor Representative & Insurance Agent

Jim Gaskins works alongside Tim Kaley to service insurance needs for Kaley Financial Group clients. Jim’s mission has developed over his 15 years of financial services experience, developing a passion for helping the needs of public employees. Jim founded United Financial Services to help address the retirement planning needs for those who keep us safe, educated, and living in a functioning society. In his free time, Jim enjoys spending time at the family lake home, reading, writing articles, staying physically active, and having adventures with his daughter, Annika.

*Jim Gaskins is an investment advisor representative of Gradient Advisors, LLC, an SEC registered independent investment advisor serving customers in Minnesota and Wisconsin.

*Jim Gaskins owns and operates United Financial Services. Tim Kaley owns and operates Kaley Financial Group. These entities do not share common ownership and are held as independent entities. Tim Kaley and Jim Gaskins partner to provide financial planning services and to jointly sell insurance products, including annuities. A conflict of interest exists as compensation may be exchanged for this arrangement in the form of shared commissions on insurance and annuity sales, and the splitting of financial planning services fees, including those collected for assets under management. Jim Gaskins offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. United Financial Services is not a registered investment advisor and is independent of Gradient Advisors, LLC. Insurance products and services offered through Jim Gaskins, independent agent. United Financial Services, Jim Gaskins and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.

John Hatfield

MN Licensed Realtor

John is passionate about helping people through the process of buying and selling homes. Whether you’re just starting your home search or ready to take the next step in home-ownership, John believes it’s important to work with an agent who has experience. John has the experience needed, not just in the purchase and sale of homes or investment properties throughout the Twin Cities, but also in his knowledge and understanding of technology, which plays a critical part in today’s real estate industry. The most rewarding part of being a full-time Realtor® is having the opportunity to help new people. John looks forward to learning more about you, and helping you with your real estate needs.



*The endorsement of the above listed individual(s) is provided by this investment advisor who refers clients for their professional service(s). The individual(s) is/are a client of this investment advisor who is not affiliated with them or their service(s) in any other way.

Chad Levis

Chad Levis, REBC® has been helping clients meet their insurance needs since 1997. He launched CAL Financial in 2016 and partners with many of the leading insurance companies in the industry to deliver top quality insurance products to fit the unique needs of each individual and business client. Chad and his agency assist clients in areas of Medicare, health insurance and employee benefits, life and disability insurance programs for individuals and business owners, as well as personal insurance lines such as auto, home and personal liability.

Chad holds a BS degree from the University of Minnesota, and holds the Registered Employee Benefits Consultant credential. He enjoys holding periodic education seminars and other speaking events to keep the public informed on the latest developments in Medicare, healthcare and other lines of insurance. Chad is veteran of the US Navy Reserve, and currently serves as a Board Member of the Minnesota Association of Health Underwriters.

 

 

Tom Fafinski

Estate Planning, Virtus Law
Tom Fafinski is Co-Founder of Virtus Law. He graduated from William Mitchell School of Law 13th in his class with honors. He speaks locally and nationally on topics associated with business, succession and estate planning. Tom has been named SuperLawyer many times, authored articles, made radio appearances and has been actively practicing law for over 27 years. Tom facilitates CEO peer groups for Allied Executives and 2 estate and business law firm peer groups from across the country.

In addition to owning Virtus Law PLLC, Fafinski owns several real estate investment companies managed by his spouse. He is a continuing education instructor relating to advanced estate planning concepts and authored the book “The Ultimate Guide to Estate Planning.”

 

 

Harrington Langer & Associates

Accounting and Tax Services
Harrington Langer & Associates has been providing personalized financial guidance to businesses and individuals for over 30 years. A Saint Paul based accounting firm with diverse expertise in tax management and accounting services, auditing and attestation, financial statement preparation and analysis, and strategic planning, Harrington Langer & Associates has the experience and proficiency to insure that every client can have confidence in the service they are provided.



With a mission to help clients maintain financial viability in the present, while taking a proactive approach to achieve future goals, Harrington Langer & Associates uses open communication to reach an understanding of clients’ needs through research and analysis and maintains dedication to meeting these goals with high standards of excellence and professionalism.  

 

Hard work and dedication has earned Harrington Langer & Associates the respect of the business and financial community in and around the twin cities.



*The endorsement of the above listed individual(s) is provided by this investment advisor who refers clients for their professional service(s). This investment advisor is not affiliated with them or their service(s).

*This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.

*Third-Party Money Management is offered through our Strategic Alliances with Gradient Investments, LLC

*Our firm’s strategic partners/alliances are not employees, or directly affiliated with, our firm.