Our Team

Joy started her career in the financial services industry in 1998 when she joined her father’s practice as a client services representative.  Her role then evolved as she got her securities and insurance licenses in 2003 and began working more directly with clients and the overall operations of the business.  She continues in these roles today. Her favorite part of her job is the relationships she has developed with clients and their families.  The fact that every client has their own goals and is unique is what keeps things so interesting. She earned her Bachelor of Science in Social Work in 1996 which helped prepare her for working with clients and families on their financial journeys.  Her background in Medical Social Work in Long Term Care has been beneficial in helping clients with LTC insurance and other areas of life changes at and after retirement. Joy has been married to her husband Mark for 27 years, and they have one daughter, Alaina.   As a family they enjoy spending time on the lake, hiking the North Shore, traveling, playing games and whatever activities Alaina is doing.   Joy’s happiest moments are getting to watch Alaina do the things she loves like softball, volleyball, swimming, skiing and golf.  She happily gets to use her hobby of photography often in these moments.

Having been with the team since 2011, Carol is known by most clients as the friendly and fun person they get to hear from when it is time to schedule their meetings.  She is also usually the first person they see when they enter the Coon Rapids office.  In addition, she has taken on the role of Marketing and Events Coordinator for the team.  Having a background as a Project Coordinator, and a degree in Organizational Communications from the University of Minnesota, this was a natural fit for her skills. She and her husband, Joe, reside in Andover, MN.  They have three grown children and cherish the time they can get out to Montana and California to visit with them.  When they aren’t visiting their children, they enjoy spending time at their lake, and with family and friends.

Michelle is an integral part of Salt Financials’ team.  You will find her communicating daily with clients, executing administrative tasks, and creating a full-service customer experience.  The best part of her career is connecting with clients at a personal level and building long term relationships with them.  She really enjoys seeing others succeed in their financial plans. For fun, Michelle likes trying new restaurants, HIIT workouts, spending time with her 3 young daughters and her husband, Matt, of 11 years.