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Our Team


Todd Knutsen, ChFC®, CLU®

Owner & Founder

Todd Knutsen is the owner and founder of Knutsen Financial Group, an independent financial services firm designed to assist businesses and individuals to develop proven retirement strategies. Todd brings a unique perspective to investing and retirement planning utilizing over 35 years of industry and technical strengths to evaluate optimal strategies for today’s retirement planning challenges. Todd approaches each individual with a diagnostic ear to help solve their unique retirement planning concerns. He is passionate about helping others achieve financial security.

In 1983 he entered the financial planning industry with a college degree and ambition to build a successful career in the financial industry. Todd earned the Chartered Financial Consultant (ChFC®) designation in 1987 and the Chartered life Underwriter (CLU®) in 1989. Todd is and has been continually active and licensed to provide investment and insurance products and advice since he entered the business, always in the capacity of serving clients.

Experience is one of his greatest assets. He has guided clients through multiple market cycles and myriad changes in all areas of the business, investments, insurance, employee benefits, retirement plans, income and estate taxes. Growing together with clients has been Todd’s greatest reward and what keeps the business interesting and fun.

Todd was born and raised in Minnesota and has lived in Woodbury since 1988. He and his wife Laura together have five children and four grandchildren. After many years of being involved with kids sports as a parent, coach and spectator, Todd’s hobbies now revolve around spending time with loved ones, golfing, hunting, traveling, reading or walking his trusted German Shorthaired Pointer-“Bentley”.


Nancie Voss

Client Service Manager

Nancie Voss is our client services manager at Knutsen Financial Group. She joined the team back in July 2009. She has become an integral part of the firm by assisting in servicing clients and keeping the systems in the office running smoothly while overseeing compliance related actives. With her friendly demeanor, she is committed to providing every client with an exceptional experience. Prior to 2009 Nancie had worked in the retail boat and sporting goods industry as a marketing manager for national brand stores.

Nancie is originally from the ‘show me state’ and is very active in her church and school community. Residing in Hudson WI with her husband Chris and daughter Elizabeth and Father-In-law Ken.

Strategic Alliances


Michael Binger, CFA®

President, Gradient Investments, LLC

Mike brings over 30 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. He has extensive experience working directly with financial advisors designing and actively managing portfolios. Mike has successfully invested in numerous market and economic cycles giving him a level and depth of experience that is rare in this industry. He spent more than 20 years at Thrivent Financial where he managed numerous equity funds through various economic cycles. Mike’s media highlights include numerous appearances, providing market insight on CNBC, Bloomberg TV and Bloomberg Radio.
Mike has also been quoted in The Wall Street Journal, Barron’s, Smart Money, Reuters, Business Week and numerous other local, national and global investment publications.


Wayne Schmidt, CFA®

Chief Investment Officer of Gradient Investments, LLC

In 2008, Wayne brought 30 years of institutional investment experience to the private clients of Gradient Investments. During his tenure at AXA Investment Managers, Wayne served as senior portfolio manager for the U.S. Investment Grade Fixed Income Team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.
Wayne has been quoted on the subject of the global economy in numerous nationally and internationally recognized investment publications such as Bloomberg, Reuters, and The Los Angeles Times. He is a Chartered Financial AnalystTM and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.


Mariann Montagne, CFA®

Portfolio Manager, Gradient Investments, LLC

Mariann has 20 plus years of working with both institutional and high net worth clients and has amassed a strong breadth of investment experience in her tenure. This experience includes company and industry sector analysis, risk monitoring and portfolio management in both the equity and fixed income markets. She is highly attuned to economic and market conditions, and has extensive experience selecting individual stocks, ETFs and mutual funds. In addition to being a CFA, she is a member of both the CFA Society of Minnesota and the CFA Institute. Mariann’s media highlights include quotes in Barron’s, The Wall Street Journal, Fortune, NPR, Washington Post and the Chicago Tribune. She has also appeared on Bloomberg TV and Fox Business News.