Sweet Financial Services
Financial advisors

Financial Advisors with your future in mind.

Our financial advisors work hard to understand your goals, so that they can help ensure you’re on the right path to achieve them.

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Bryan Sweet


Founder, CEO, SFS Wealth Advisor, RJFS, Creator of The Dream Architect™
[email protected]

Since the start of his financial services career in 1979, Bryan has specialized in helping individuals accumulate and preserve wealth for retirement and beyond. A native of Fairmont, Minnesota, Bryan earned his master’s degree in financial services from The American College in Bryn Mawr, Pennsylvania, before embarking on what would become a lifelong career as a wealth management consultant. He established, Sweet Financial Services, in 1987 and developed a relationship with Raymond James in 1989.  Bryan has been a member of the Raymond James Chairman’s Council since 2004(1), which is made up of the firm’s most successful financial advisors.

Bryan’s drive and relentless pursuit to simplify, inspire and improve the future of our clients has given him and his team the opportunity to be recognized in industry publications, such as being named to the Inc Magazine Top 500 list for fastest growing Private Companies since 2014(2).  In order to continue to provide the best client experience possible, Bryan has made the commitment to participate in the Ed Slott Top Advisor GroupPeak Advisor Alliance ,The Genius Network and the Strategic Coach Program *3.

It is because of Bryan’s passion in working with his best clients that he decided to develop Dare to Dream Enterprises. He found that he works best with high-net-worth business owners who have complex financial needs. In working with these clients, helping move them toward living their retirement dreams, it became evident that all too often, people don’t dream big enough.

Dare to Dream Enterprises helps provide clarity in a world of chaos so that people are able to focus on the things in life that matter most to them. Dare to Dream supports business owners, women in transition, and others who are looking to build a bigger future and take control of their lives.

With the help of co-authors, Brittany Anderson, Director of Operations, and Oliver Kollofski, Director of Wealth Services, Bryan wrote his own book, Dare to Dream: Design the Retirement You Can’t Wait to Wake Up to! The passion behind the book, is to help you optimize your assets you have been building for your entire career so that retirement becomes the most fulfilling, rewarding, and joyful time of your life. You can learn more HERE

Locally, his passion of creating a greater community shines through as being part of the Fairmont Opera House Endowment Committee, Martin County Area Foundation, and is past chairman of the board of the Fairmont Area Chamber of Commerce. He and his wife, Mary Beth, live in Fairmont. Bryan recently established the Marilyn Sweet-Borchardt Education Foundation. In honor of his Mother, he started the foundation to help single women who have children going to college. Currently, the foundation is able to help support two young people each year, and as the fund grows, we will expand the number of grants we provide.

(1)Membership is based on prior fiscal year production. Re-qualification is required annually. This recognition is not indicative of the advisor’s future performance, is not an endorsement and may not be representative of individual clients experiences. (2) The 2016 Inc. 5000 is ranked according to percentage revenue growth when comparing 2012 to 2015. To qualify, companies must have been founded and generating revenue by March 31, 2012. They had to be U.S.-based, privately held, for profit, and independent—not subsidiaries or divisions of other companies—as of December 31, 2015. (Since then, a number of companies on the list have gone public or been acquired.) The minimum revenue required for 2012 is $100,000; the minimum for 2015 is $2 million. Raymond James is not affliliated with Inc. Magazine. (3) Raymond James is not affiliated with and does not endorse the opinions or services of Peak Advisor Alliance, Ed Slott, Strategic Coach OR Genius Network. Membership to Ed Slott’s Elite IRA Advisor GroupSM is limited to the top financial professionals in the United States, with nearly 400 professionals dedicated to the ongoing training and mastery of advanced retirement account and tax planning laws and strategies. To be eligible to join Ed Slott’s Elite IRA Advisor Group, you must complete Ed Slott and Company’s 2-Day IRA Workshop or Ed Slott and Company’s eSeminar Series. Strategic Coach and Genius Network will provide the Sweet Financial team with “thinking tools” that open up our minds, conquer roadblocks, connect with industry transformers, and get access to best practices to curate discussions so we can develop and deepen relationships with clients. Raymond James is not affiliated with The Marilyn Sweet-Borchardt Education Foundation or Dare to Dream Enterprises.

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Ty Totzke

ChFC® , AIF® 

Partner, SFS  Wealth Advisor,RJFS
[email protected]

Ty has been helping clients plan for retirement since 1998. He joined Sweet Financial Services in 2003 and became a partner of the firm in 2011. Ty is dedicated to providing innovative, practical advice to help your financial goals align with your life goals. He is committed to listening to what matters most in people’s lives and learning which values and goals they hold dear.

After earning his Bachelor of Arts in financial economics from Gustavus Adolphus College, Ty joined The Retirement Group at Merrill Lynch, where he held various positions, specializing in defined contribution and defined benefit plans.

He is a Chartered Financial Consultant® (ChFC®) and has earned the Accredited Investment Fiduciary professional® designation (AIF® ) awarded by the Center for Fiduciary Studies, which is associated with the University of Pittsburgh. He has received formal training in investment fiduciary responsibility.

Ty lives in Fairmont with his wife, Sarah, and twin daughters, Maggy and Libby.

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Amber Knips


Wealth Advisor, RJFS
[email protected]

Amber joined Sweet Financial Services in 2012.  Amber is a graduate of South Dakota State University with a bachelor’s degree in financial planning. She is also a CERTIFIED FINANCIAL PLANNER™ professional and has extensive experience and training on guiding women through transitions such as loss of a loved one, divorce, career change, retirement and much more.

She specializes in retirement planning and the comprehensive planning process; and is passionate about building relationships with her clients beyond investment management.  She will tell you that the best part of her job is seeing her clients growth over time after they have experienced a major life transition.

She covers the bases when it comes to important topics such as taxes, investments, cash flow, and estate planning. But that’s only half of the experience of financial change. The other half is the human experience of adapting to change, and to help increase her clients confidence in their financial future.

She is also passionate with her role in Women Forward, and providing financial education to women on their path to their best lives.  Interested in learning more about Women Forward?  Click here for more information.

Amber splits her time between the Fairmont and Jackson office, to offer convenient locations to help her clients.

She currently lives in Jackson with her husband, Jared and daughter Blakely.

CFP® | Certified Financial Planner™ | CFP GRAPHIC Certified Financial Planner Board of Standards, Inc., owns the certification marks above, which it awards to individuals who successfully complete initial and ongoing certification requirements.

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Lynne Burgraff


Wealth Advisor, RJFS
[email protected]

Lynne joined Sweet Financial Services in 1996. Lynne is dedicated to working with clients and women in transition to help make sure their financial plans align with their goals and dreams. Her goal is to help clients find the path to their best life.

A 1980 graduate of the University of Wisconsin-Superior, Lynne holds degrees in English and History. Lynne received her Wealth Management Specialist designation in 2004 and her Certified Divorce Financial Analyst (CDFA™) designation in 2014. As one of the Founders of Women Forward, Lynne is dedicated to inspiring women to confidently pursue their ideal life, while providing financial education.

Lynne lives in Fairmont and is the proud mother of three children: Philip, who resides in the Twin Cities, Taylor who is a Youth Minister in Bloomington, MN and Catherine who works for Embrace Church in Sioux Falls, SD.

Raymond James is not affiliated with Women Forward.

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Oliver Kollofski


Partner, Director of Wealth Services, SFS

Investment Advisor Representative, RJFS
[email protected]

Oliver joined Sweet Financial Services in 2007, and became a partner in 2013. Oliver is our leader in the planning and investment department. His passion lies in building creative planning strategies so our clients have the freedom to concentrate on the things that matter most to them.  He works closely with all the advisors in the office in creating wealth plans for clients and conducting investment analysis and research.

Oliver is a graduate of the University of Northern Iowa, where he earned bachelor’s degrees in both finance and real estate. He is a CERTIFIED FINANCIAL PLANNER™ professional and a Certified Private Wealth Advisor.

Oliver lives in Fairmont with his wife, Emily, and sons, Jace and Van.

CFP® | Certified Financial Planner™ | CFP GRAPHIC Certified Financial Planner Board of Standards, Inc., owns the certification marks above, which it awards to individuals who successfully complete initial and ongoing certification requirements.

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