UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
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From learning, to living, to retirement

Financial Services

As a medical professional your financial situation is unique. Upon completion of your training, you may have more financial questions than answers.

Have you started asking yourself:
  • Is now the right time to work with a financial professional?
  • Should I pay off my student loans first or start investing?
  • How much should I have in my “emergency fund”?
  • If I purchase a home, what is the best way to finance it?
  • Do I need life insurance?  If so, how much and what type is the best for me?
  • How do I start planning for retirement? What are my options?
  • What is the best way to save for my child’s education?
  • How solid is my employee benefits package?
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From Learning, to Living, to Retirement
The University-designated Foster Klima Represenatives have a keen perspective of the uncommon challenges you will face today, tomorrow, and throughout your career. Your income is a multi-million dollar asset. Assuming only 3% annual increases, today's 30-year-old earning $75,000 a year will earn $4.5 million by age 65. What if you become too sick or hurt to work?
In addition to offering the highest quality disability coverage, we are equipped with a full suite of financial planning tools.
​

What we can offer you:
  • Debt Elimination Strategies
  • Student Loan Planning*
  • Retirement Planning
  • Life Insurance & Disability Income Planning
  • College Savings Strategies
  • Mutual Funds & Money Management
  • Employer Contract Benefit Reviews

Expand your view of your financial world. Contact your Foster Klima Medical Professional Specialists to Protect, Save and Grow your financial wealth.
Have a question, or want to learn more about your options?
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* Neither Guardian nor its subsidiaries offer student loans.
While you can't predict the unexpected, you can prepare. We're here to help you.
Foster Klima and Guardian were chosen exclusively by the University of Minnesota to provide you with disability insurance to protect your financial future. 
© 2024   l   Foster Klima   l   10900 Wayzata Blvd.   l   Suite 730   l   Minnetonka, MN 55305   l   Contact Us
Check the background of your financial professional on FINRA's BrokerCheck.
​

Foster Klima & Company, Inc is an Agency of The Guardian Life Insurance Company of America®  (Guardian), New York, NY.  Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC.  OSJ:   PAS is a wholly-owned subsidiary of Guardian.  Foster Klima & Company, Inc  is not an affiliate or subsidiary of PAS or Guardian.  10900 Wayzata Blvd, Minnetonka, MN 55305, ph# 612.746.2200.

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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Copyright 2024 Foster Klima

7229669.1 Exp 11/2026
  • Home
  • Residents, Fellows, and Interns
    • Graduate Medical Education Residents & Fellows
    • School of Dentistry Residents
    • College of Veterinary Medicine Residents & Interns
  • AHC Students
    • Medical School Students
    • School of Dentistry Students
    • College of Pharmacy Students
    • College of Veterinary Medicine Students
    • Nurse Practitioner Students
    • Certified Registered Nurse Anesthetist Students
    • School of Nursing Students
    • College of Allied Health Professions
    • School of Public Health
  • Request A Quote
  • Real Stories
  • A Detailed Look
    • Learn To Speak The Lingo
    • Student Loan Protection
    • Products & Services
    • Useful Links
    • From Learning, to Living, to Retirement
    • Tips to Start Digging Your Way Out
  • About Us
    • Your Team
    • About Foster Klima
  • Report A Claim
  • Contact Your Advisor